Pay for almost anything

Personal Loans

Get money to pay off high-interest debt or cover big expenses like medical bills, home improvements, or a special event.
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Get the money you need

With a fixed rate and steady monthly payment, a personal loan can help you pay for almost anything.

  • Borrow up to $25,000
  • Flexible terms up to 72 months
  • Fixed interest rates that won’t go up
  • Typically no collateral needed
  • No application fees or prepayment penalties
  • Optional payment protection 
  • Manage your loan with free online and mobile banking
  • Also available as a line of credit that you can link to your checking account

Personal loans can help cover an emergency, unexpected expense or a big purchase, such as:

  • Emergency expenses like medical bills, car repairs, or everyday surprises
  • Home projects such as a new deck, roof, or kitchen update
  • Life events like weddings, honeymoons, or moving
  • Debt consolidation to pay off higher-rate debt like payday loans and credit cards
  • For educational expenses, check out our student loans and lines of credit
View Rates

Got credit card debt?

See how debt consolidation works

Debt consolidation helps you simplify your finances by turning your credit card debt into one lower fixed monthly payment. With a lower rate and just one payment to manage, you could save on interest charges and pay off debt faster.

Learn More About Debt Consolidation

1

Get your personal loan

Start by applying for a fixed-rate personal loan with us.
2

Pay off credit cards

Once approved, use your new loan to pay off your high-interest credit card balances.
3

Save on interest charges

Enjoy one steady monthly payment at a lower fixed rate. Know exactly when you'll be debt-free and how much it will cost.

Explore a flexible line of credit

If you’re not sure how much cash you’ll need or just want a safety net for emergencies, consider a personal line of credit. Plus, you can link your line of credit to your Firemen’s checking account for overdraft protection.

Flexible amounts and access

Get a line from $500-$25,000 that you can use, repay, and use again.

Save on interest charges

Money is there when you need it and you only pay interest on what you use.

Overdraft protection

If you spend more than you have in your checking, a line of credit could cover you.

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What our members say

Affordable loans

"I love Firemen's! I couldn't get a loan from a bank because I filed bankruptcy six years ago, and Firemen's approved me with no problems. I have a cheap note and low interest rate. Thanks for given me and my credit another shot!"

- Felicia D.

Fast and smooth process

"I will not bank with anyone else. I love my Firemen's. They are very helpful. I refinanced my house and it went so smoothly and fast. I have all my accounts linked and can go online and pay everything at one time. Thank you for staying up-to-date with technology."

- Camille T.

Best credit union

"This credit union has by far been the best one I have had. I've had several in my life time, but this one works with you and helps you. They find ways to help your credit and give you loans when other places will not. I love that they value their customers before anything. I strongly recommend them to anyone. "

- Jeffery S.

We're here to help

Personal Loan FAQs

You can use a personal loan for almost anything, including consolidating debt, covering unexpected expenses, or funding a large purchase.

We’ll need to review your application in order to determine which rate you qualify for. But don’t worry, we offer competitive rates and will work with you to make sure you have the best option for your situation.

Yes, applying may cause a small, temporary dip in your score, but making on-time payments can help build your credit over time.

Loan amounts can go up to $25,000 and vary based on your financial profile. After you apply, we review your information immediately. Approvals typically take hours, not days.

No, Firemen’s Federal does not charge any fees to get a personal loan – no application fee and no prepayment penalties.

If you need a break, qualifying members can skip up to two loan payments per year for $35 each. Request a skip or learn more.