Signature & Holiday Loans

Personal loans that don't require collateral

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Holiday Loan Special

Personal Loans

Holiday Loan Special

A lower rate personal loan to help this time of year

Limited time offer
Only available during November, December, and January
Competitive fixed rates & loan terms up to 24 months
Maximum loan amount of $3,000
Quick & easy approval in-branch or online
No pre-payment penalties
Loan payment protection options
Online & Mobile Banking
End-of-Year Member Reward Dividend
Free account access at any CO-OP Shared Branching location

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Signature Personal Loans

Consider this for debt consolidation

This personal loan can be used for any expense
We offer competitive fixed rates & loan terms up to 60 months
Maximum loan amount is based on approved credit
Quick & easy approval in-branch or online
No pre-payment penalties
Loan payment protection options
Online & Mobile Banking
End-of-Year Member Reward Dividend
Free account access at any CO-OP Shared Branching location
Holiday Skip-a-Payment in November, December, or January

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Personal Loan Rates

Rates up to date as of March 1, 2025. Rates subject to change without notice.

Personal Loan Types	12-month APR	24-month APR	36-month APR	48-month APR	60-month APR
Signature	As low as 10.99%²	As low as 11.24%²	As low as 11.49%²	As low as 11.74%²	As low as 11.99%²
Holiday¹	As low as 8.74%²	As low as 8.99%²	—	—	—

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Holiday loans are only available during the months of November, December, and January.
2. GoldStar® Membership required, otherwise rate is 0.25% APR higher.

For more information visit Terms & Conditions, Current Rates, and Fee Details.

"It's good to be member at First Californian. They really do care about their members and proactively offer financial products throughout the year for me to consider. I appreciate their personal loan options, especially when the alternative is predatory payday lenders with extremely high fees."

First Californian Member

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Additional Info

How Do Personal Loans Work?

Personal loans have some benefits that differentiate them from other loan types, such as automobile loans or mortgages.

Personal loans are unsecured, which means you don’t have to put forth any collateral to get approved.
They are simple and straightforward; they require only your signature and less paperwork than other types of borrowing.
This type of lending is for flexibility. Personal loans are available for almost any purpose, including debt consolidation.
Personal loan payments are easy to budget for because they have a fixed rate for a set length of time up to 60 months.

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Why Should I Get A Personal Loan With First Californian Credit Union?

At First Californian, personal loans have no fees and the approval process is fast. Statements are delivered electronically, and you have access to a full suite of online and mobile account management tools. We also offer loan payment protection to protect your credit in case the unexpected happens. You even have access to Member Reward Dividends distributed at the end of each year. All you need is a membership with First Californian and approved credit.

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What Are Some Common Reasons Members Use Personal Loans?

Members love the flexibility of a personal loan. Here are a few everyday situations that lead members to apply for this type of loan.

Personal loans are suitable for paying off credit cards because the interest rate is usually lower. The fixed interest rate on the personal loan can also be preferable to the variable rate of most credit cards.
Personal loans can help pay off unexpected medical bills, such as an emergency room visit or a child’s need for braces.
Emergency home needs, such as a refrigerator that dies or a heating unit that fails, can be remedied with personal loans.
Personal loans can pay for vacations when you really need a getaway.
Upgrading your home and renovating your living space can be financed through a personal loan.
Personal loans can pay for a dream wedding for yourself or one of your children.
You can grow your family using a personal loan to help cover adoption costs.

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How Do I Start The Personal Loan Process?

For your convenience, you can start the loan application process right online. If you prefer a more personal touch, call to apply over the phone or visit one of our branches to get started in person. No matter how you apply, you’ll get a fast and friendly response to let you know the next steps. Contact us today to see how easy it is to build a personal loan into your budget.

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