--- title: Personal Loans Up to $45,000 | Fast & Simple Application | First Financial Federal Credit Union description: Get fast, simple personal loans up to $45,000 for life's moments. Enjoy fixed payments and no collateral required. Apply online in minutes. image: https://marketing.firstfinancial.org/hubfs/Guy.png --- ![2015-logo\_FFFCU\_PMS\_3C](https://marketing.firstfinancial.org/hubfs/2015-logo_FFFCU_PMS_3C.png) [![Apply Now](https://no-cache.hubspot.com/cta/default/8699080/interactive-216738678891.png)](https://marketing.firstfinancial.org/hs/cta/wi/redirect?encryptedPayload=AVxigLKQJIdfkr4Qxy1FW%2FU%2BG%2BnaBCGAM7P8A1Oskp57RkVr6Aw%2F%2BMrUw%2F9LB%2BbsLY0bBAz78kK79LriCZ%2B3WBk5Fc2mNdMJ86t%2BlO6lsITw7rZ%2Fh8LIkpTQYN7EpgsTZBxqMehOIRZwnZ3gMkgTxyeUd1Z1Iqv2qhLKBDwaLEbaOr6pAjRKhmshN54j%2B6%2FXfBgvzyJwx33xnRB1CJth8Mtttm%2BDHcWJF1EyhlYfPv2s8LEISkBomab3cJtNhQfXoRD7ugqe5Fm3UbvY7HGibcGxAz83ojTMyWzrjAnLc1g1SNFcOxtrud85IQ%3D%3D&webInteractiveContentId=216738678891&portalId=8699080&hsLang=en) # AnyTime Personal Loan for Life’s Moments Enjoy rates as low as **8.90% APR\* for 36 months**, with repayment terms available for up to **84 months**. - Borrow up to $45,000 - Fixed Monthly Payments - No Collateral Required [![Apply Now](https://no-cache.hubspot.com/cta/default/8699080/interactive-216607136007.png)](https://marketing.firstfinancial.org/hs/cta/wi/redirect?encryptedPayload=AVxigLLY154u87dhqpjF0R%2BCX%2BJu0CkbRmx9XFdq4rJVeDHE8CiNPBsCSaJwhhNkBC0AIZGcokClKt0tTIIMI21QIajsCtzPJ0Ae24xXP4XmbEsK044nqFIYRB1x2fZHD4p9wAU9fwuhaFe5KlUkupXn%2F2kzm7RTo3BeWjin3TL2EM3pfPD%2F5DfaFw7%2FrhD933rrIA9G9Cj24swiE9vUBlnxcdJvXZ1FuOuXEEZnxtgxvUH2yk1baMDBsFzVEC0OY8DlQXgW83pd0u0IH3wo2Ic4&webInteractiveContentId=216607136007&portalId=8699080&hsLang=en) It only takes a few minutes ![](https://marketing.firstfinancial.org/hubfs/Personal%20Loan%20Page/iStock-2185137412-size.png) ## Why Choose a Personal Loan? ![Debt Consolidation
Combine higher-rate debt into one lower payment.](https://marketing.firstfinancial.org/hubfs/Personal%20Loan%20Page/iStock-1866754303-size.png) **Debt Consolidation**
Combine higher-rate debt into one lower payment. ![Home ImprovementUpgrade your home without using equity.](https://marketing.firstfinancial.org/hubfs/Personal%20Loan%20Page/iStock-1372984899-size.png) **Home Improvement**Upgrade your home without using equity. ![Unexpected ExpensesHandle life's surprises with confidence.](https://marketing.firstfinancial.org/hubfs/Personal%20Loan%20Page/iStock-846756200-size.png) **Unexpected Expenses**Handle life's surprises with confidence. ![Major PurchasesFinance appliances and other household essentials.](https://marketing.firstfinancial.org/hubfs/Personal%20Loan%20Page/iStock-2218752925-size.png) **Major Purchases**Finance appliances and other household essentials. ![Celebrate the Smart Way Plan for special occasions with confidence.](https://marketing.firstfinancial.org/hubfs/Personal%20Loan%20Page/iStock-2197917564-size.png) **Celebrate the Smart Way** Plan for special occasions with confidence. [![Apply Now](https://no-cache.hubspot.com/cta/default/8699080/interactive-217216804464.png)](https://marketing.firstfinancial.org/hs/cta/wi/redirect?encryptedPayload=AVxigLLlZO2iV8nCChQXYs794Xeccb6tqUsa0AzYR8w3WEaseXhUfFmNAewcBuWSVAdiGXhCehcezsUk0X96jQV%2FbJ1bxYmBFGVLzmo3DsinHqF3ab5KsIoucd3JW%2B4uymweQOIzwBuNWZBnNJGtT24AeM%2FsuyVlPDv5%2FH32urHACtyLDA65h81tqeAkGor15wtG%2BauPoNtJa%2B8xUbUF6VfEEuO2bW9O6tT6c7S9kOl1uwbc33cf7%2Fg%3D&webInteractiveContentId=217216804464&portalId=8699080&hsLang=en) ## Get Started with an AnyTime Personal Loan ![Get Started with an AnyTime Personal Loan](https://marketing.firstfinancial.org/hubfs/Personal%20Loan%20Page/iStock-622898304.jpg) ### **1. Apply Online** Complete a quick personal loan application in just a few minutes.  ### **2. Get A Quick Decision** Most applicants receive a response right away. ### **3. Move Forward With Confidence** Use your approved funds to shop, consolidate debt, or cover unexpected expenses for more peace of mind. [![Apply Now](https://no-cache.hubspot.com/cta/default/8699080/interactive-184137626495.png)](https://marketing.firstfinancial.org/hs/cta/wi/redirect?encryptedPayload=AVxigLI0cLfgdtcqBVK4Wx3MOh9%2FpqHG7OoPWmlHfCwlP%2BGKrV2PFFE2SQly4KzInSeb57P7N2WArPQK2n2tiiW%2BnDprLcdzLRo82tivMmLCWZuCSbc%2F3JtE4Y1xRGPzOXbIyFGdidFYBNAEPnn41P048QUzUeS59EOX5WFPnQx7hWVRjnIp7GN76slxHVwnGmh7Imh3zt3An7AjpkrIgYM%2F5iQxjzSujLxZu1yBkT9ncmTxW1EFhx8%3D&webInteractiveContentId=184137626495&portalId=8699080&hsLang=en) It only takes a few minutes to get started. \*APR means Annual Percentage Rate. Loans subject to approval. Not all applicants will qualify and not all borrowers will qualify for the lowest rate. Actual rate will vary depending on applicant's creditworthiness. Rates for personal loans range from 8.90% to a maximum no greater than 18% APR. The maximum APR of 18% includes interest rate plus fees and other costs for a year and is calculated consistently with local law. The minimum period for repayment is 12 months, the maximum period for repayment is 84 months. For example, the total amount paid on a First Financial personal loan of $8,000 with a 60 month repayment period, $0 in all applicable fees, payments of $25.41 per $1,000 borrowed and based on an 18% APR would be $12,192.98. Amount could vary. The borrower will receive $8,000 at the time of loan funding and will make 60 monthly payments of $203.23. Rates good as of 08/14/2026. Equal Housing Lender. Federally Insured by NCUA. Membership eligibility required. [![2015-logo\_FFFCU\_3Cwhite\_CMYK](https://marketing.firstfinancial.org/hubfs/2015-logo_FFFCU_3Cwhite_CMYK.png "2015-logo_FFFCU_3Cwhite_CMYK")](https://www.firstfinancial.org/) **Don't Just Bank, Belong.®** 410-321-6060, Option 4 | Routing Number: 2550 7767 1 --- [Contact Us](https://www.firstfinancial.org/about/contact) | [Privacy Policy](https://www.firstfinancial.org/policies-fees/privacy-policy/) | [Rates](https://www.firstfinancial.org/rates) | [Policies & Fees](https://www.firstfinancial.org/policies-fees/) | [Site Map](https://www.firstfinancial.org/sitemap/) | [Applications & Forms](https://www.firstfinancial.org/resources/applications-forms/) ©Copyright 2026, First Financial Federal Credit Union. All Rights Reserved. [![NCUA-Logo-White](https://marketing.firstfinancial.org/hs-fs/hubfs/NCUA-Logo-White.png?width=120&height=51&name=NCUA-Logo-White.png "NCUA-Logo-White")](https://ncua.gov/) [![EHL-white](https://marketing.firstfinancial.org/hs-fs/hubfs/EHL-white.png?width=50&height=52&name=EHL-white.png "EHL-white")](https://www.hud.gov/)