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Personal Borrowing
Find the Right Loan for You

Whether you're consolidating debt, covering a major expense, or planning something new, we’ll help you choose the lending option that fits your goals.

Explore Your Options Explore Your Options

Plan Your Borrowing with More Clarity

Choose your account type.

Choosing the right borrowing option can feel complicated. That is why we make it easier to compare your needs, your timeline and your goals in one place. Answer a few simple questions and get a personalized recommendation sent to your email, so you can review your best borrowing option with more clarity

What to expect:

  1. Questions tailored to your financial routine

  2. Instant recommendation based on your responses

  3. We'll even email you the results for easy reference

Answer these questions to discover which one is the right fit for you!

Compare Your Personal Borrowing Options

When You Need Ongoing Flexibility

First Preferred Line of Credit

A flexible line of credit that can help cover ongoing needs, unexpected expenses or short-term cash flow gaps.

Best for: Flexible access to funds

Explore Flexible Credit Explore Flexible Credit

When You Want a Clear Payoff Plan

Personal Loan

A personal loan let's you borrow a set amount with predictable payments for planned expenses, debt consolidation or life’s next step.

Best for: One-time expenses or simplifying payments

When You Need Everyday Flexibility

First Platinum Mastercard®

The First Platinum Mastercard® can help with everyday purchases, unexpected expenses or added payment flexibility.

Best for: Everyday spending and flexible purchasing power

Apply for a Credit Card Apply for a Credit Card

When You’re Ready for Your Next Vehicle

Auto Loan

Finance your next vehicle with guidance that helps you stay focused on what fits your life and budget.

Best for: Buying a new or used vehicle

When You Prefer Fixed Terms

Home Equity Loan

A home equity loan may be a good fit when you want to borrow a set amount and make predictable payments over time.

Best for: Renovations, medical expenses, or consolidating debt.

Turn Your Equity into a Plan Turn Your Equity into a Plan

When You Want to Use Your Home’s Value

Home Equity Line of Credit

A HELOC gives you access to funds using the equity in your home, with flexibility to borrow as needs come up.

Best for: Education costs, phased home projects, or ongoing expenses.

How It Works

Start with What You Need

Tell us what you’re planning for and what matters most.

Compare Your Options

See options that may fit your needs and goals.

Move Forward with Confidence

Apply with clarity around your terms and payments.

Home Equity-How it Works 3- Find a Banking Center

Borrowing Guidance That Starts with You

Whether you are planning ahead or responding to a need right now, the right option depends on what you want to do, how much flexibility you need and how you prefer to repay. First Financial is here to help you understand the path before you apply.

Loans are subject to credit approval.

First Financial will waive closing costs for originations on Home Equity Lines of Credit. Taxes and other fees may still apply in certain jurisdictions. There is a maximum closing cost of $299 on First Financial Fixed Rate Home Equity Loans.

Sample payment example: If you are approved for a $10,000 loan at 10% APR for a term of 60 months, you will pay $212.47 a month, and a total of $12,748.23 over the 60-month life of the loan.

*Offer is subject to credit review and approval. Additional rates and terms are available.