PRODUCTS
Personal Loans
Business Loans
Credit Repair
Military Loans
Pension Loans
Auto Loans
Debt Assistance
Merchant Accounts
Student Loan Assistance
HOW IT WORKS
ABOUT
CONTACT
GET STARTED
phone
  • PRODUCTS
    • Personal Loans
    • Business Loans
    • Credit Repair
    • Debt Assistance
    • Merchant Accounts
    • Student Loan Assistance
    • Military Loans
    • Pension Loans
    • Auto Loans
  • HOW IT WORKS
  • ABOUT
  • CONTACT
  • GET STARTED
  • facebook linkedin instagram twitter
calculator
calculator
We offer Personal Loans, Business Loans, and Debt Consolidation Loans that fit any credit situation and work within your budget!

Get Approved Now !

Enter Numbers Only
Enter Numbers Only

I agree to the terms and conditions e-consent and terms of services*
100% Free and will not impact your credit score!
Call us if they are not immediately approved.
PERSONAL LOANS
Making it simple for everyone to obtain financing
  • Overview
  • How It Works
  • Loan Types
  • FAQ
  • How To Apply
OVERVIEW
A personal unsecured loan is a great way to handle unexpected bills, consolidate debt, make a large purchase, improve your home or perhaps assist with education expenses. Although personal loans are the easiest way to handle most financial issues, it is a credit driven loan and personal credit is taken into consideration when applying for a personal loan.
Personal Loan Options
Here at First Loan Choice, we have many loan options to help with any credit situation from excellent to poor. Our loans offer fair monthly payments and NO prepayment penalties.
AT A GLANCE
Maximum Loan Amount
$500 - $50,000
Loan Term
6 - 48 months
Interest Rates
Starting at 5.9%
Speed
As little as 24 hours
Period for Repayment
6 to 60 Months
Annual Percentage Rate
5.9% to 21.9%
Total Cost of The Loan
Vary with Accordance to the Lender
GET STARTED TODAY
HOW IT WORKS
1
Apply conveniently from our website
Apply from our site. We reach out to you right away.
2
We reach out to you right away
Next, we ask a few questions in order to help with your best option.
3
We move right into funding
Lastly, we'll send you an application to proceed with placing you on the correct loan program.
Loan Types
Conventional Loans
680 - 750+
GET STARTED
Non-Conventional Loans
630 - 680
GET STARTED
Installment Loans
560 - 630
GET STARTED
Pay Day Loans*
Below 560
GET STARTED

Statistics show that the number of Americans looking for a Personal Loan to fulfill some type of financial gap in their budget is on the rise, the main reason why is because of the current interest rates for Personal Loans. But what most people do not know is that qualifying for a Personal Loan is not that easy. Many factors play a role in the approval process for a Personal Loan, the main one is the individual's credit score.

Demand for unsecured personal loans at credit unions, for instance, was up 4% in June compared with a year ago, according to Perc Pineda, a senior economist with the Credit Union National Association, or CUNA. That comes after a dramatic drop in interest rates since 2013. The average interest rate on a Personal Loan has fallen 9.37 percentage points since the end of 2013 and 2.68 percentage points since October 2014 to 10.34%.

An unsecured Personal Loan is a viable option if you are looking for a way to pay for an unexpected emergency, make home improvements, or pay for unexpected bills. Loans can range from $500 to $100,000, and collateral usually isn't required to cover them.

Find The Best Personal Loan Rates

Where and how to get a personal loan:

  • First determine the loan amount that will fulfill your specific financial need.
  • Check your credit score and credit report this will be the determining factor for the lender to determine the interest rate.
  • Always ask if the personal lender will impact your credit score
  • Some personal lenders will take into consideration your educational experience or degrees.

Personal loans can be attained by a huge array of nationwide personal lenders. Though the application process borrowers should be ready provide the lender with personal information.

Most Personal Lenders take about 24-48 hours to either approve a borrower or fund the approved loan. If you want to get pre-qualified for your Personal Loan today please fill out our short form and provide us with a little bit of information about yourself.

The borrower's credit score is the determining factor of the interest rate for the Personal Loan. Before applying for a Personal Loan be sure to check your credit score here. Some lenders will require that the borrow show proof of income, these lenders are typically willing to accept a lesser credit score for the approval, but want the last two paystubs in order to approve the Personal Loan.

If you have a job, have a bank account and need help, most will qualify. Please look below and fill out a quick inquiry and we'll get right back to you and begin help you now!
*First Loan Choice offers Payday Loans as emergency assistance to take care of an immediate need.
First Loan Choice in no way condones using Payday loans as a good means of financing. We require these loans are paid back as quickly as possible in order to offset the extremely high interest rate. First Loan Choice strongly recommends working to improve your credit score in order to qualify for a much better loan option in the future.
If you have a job, have a bank account and need help, most will qualify. Please look below and fill out a quick inquiry and we'll get right back to you and begin help you now!
At First Loan Choice we feel strongly that our mission is to help individual borrowers receive the personal loans that they currently need while simultaneously improving their financial profile and empowering them to best handle their future financial situations which will inevitably occur. So often in life circumstances arise that demand immediate financial attention, from car and housing payments to tuition, monthly bills, medical bills and any number of other monetary commitments that are simply a part of our everyday lives. First Loan Choice not only helps to stem the tide of these financial pressures by helping our clients to obtain personal online loans, we also help to ensure that our clients improve their financial standing to make future borrowing of funds a less costly, less time consuming and a more financially rewarding experience.

First Loan Choice works with individual clients to secure online loans no matter what their income level is and no matter how bad their credit or how low their credit scores may be. We work with a multitude of lenders who have varying degrees of lenience in granting personal loans to those with low income, poor credit, no credit or any combination thereof. The ability of our clients to secure personal loans is of course influenced by these factors, and direct lenders are more inclined to grant loans to clients with higher incomes and credit scores. Interest rates vary as well, and the higher a borrower's credit scores are the more likely he or she is to secure their desired loans at the lowest possible interest rates.

With many individual borrowers the best course of action has proven to be a dual approach, with First Loan Choice immediately working with our clients to secure online personal loans while simultaneously beginning a program of credit analysis for them, in which a borrower's credit report and credit history are examined and purged of any and all negative marks. Items such as late payments, charge offs, write offs, collections, bankruptcies, repossessions and foreclosures can all be removed from individual credit histories resulting in significantly higher credit scores and increased likelihoods of receiving the online personal loans that our clients need at the low interest rates that they deserve.

Both secured and unsecured loans are available through First Loan Choice and we also work with a large number of individuals in the military, either currently serving or those who are retired and seeking personal loans for veterans. For military and of course non military borrowers there are a multitude of lending options, among them payday loans for those who desire the quickest results and currently have lower credit scores. For this category of borrowers the most effective plan is often one of obtaining online payday loans for immediate cash relief while embarking on the aforementioned plan of credit analysis. The desired end result is cash in hand for our clients and a game plan in place to raise credit scores and make larger loans at lower interest rates a part of their financial future.

The First Loan Choice personal loans calculator is an effective tool for borrowers to gauge their credit standing and ability to obtain personal loans in relation to good credit personal loans, bad credit personal loans, low interest rate personal loans, no credit personal loans, low income personal loans, bad credit payday loans and all other online personal loan factors which may exist. No matter what your present financial situation may be, First Loan Choice is here to help you obtain the cash that you need today and help to make your financial future as bright as it can possibly become!
FREQUENTLY ASKED QUESTIONS
Do you have a fee for your service?
No. Our service is 100% free!
Will this affect my credit?
Yes. The lenders do verify credit scores. That's why we're here. We'll provide the best loan option to fit your current situation without wasting your time with lenders we know will not approve.
If I choose to consolidate/settle my debt, do I have to close my credit card accounts?
Once you send back your application, we will let you know if any of these accounts need to close. But based on our experience, we request you close any credit account you choose to no longer use.
Where is your office located?
Coral Springs, FL
Why would I work with First Loan Choice vs. any other business lender offering me similar terms?
We have many differences that many other lenders cannot offer. Most lenders don't utilize experience and education when assisting with financing, they'd hire anyone who can read and write. First Loan Choice uses the strictest hiring process in order to bring the best agents to help the best people!

If you are looking for financing now, you may have come across agencies who "match" clients with loan options. The problem there is that you will NEVER speak with that agency again and therefore are back on your own looking for loans. We walk you right into funding! And yet other agencies are clever credit repair companies disguised as someone who can give you money. First Loan Choice is in the business of lending and LENDING ONLY! We'll tell you like it is and guide you in the right direction always!
How does First Loan Choice make money?
First Loan Choice, through years of experience and education in the loan industry, has its own premium network of lenders. These lenders all pay First Loan Choice a separate fee if you are approved and funded.
What are your interest rates?
Personal loans start at 5.9% APR. Business loans start at 1.12% factoring rates.
What is the maximum PERSONAL loan amount I can get now?
What was last year's income after taxes? (Usually you can get 50-60% of your income as long as you are NOT revolving any other loans)
What is the maximum BUSINESS loan amount I can get now?
What are your average monthly sales deposits? (On business loans, they can max at 125% of the client's monthly deposits as long as the business has no other revolving loans)

Our User Experience Speaks for Itslef - Rated Excellent on

January 8, 2016
Great Experience!! First Loan choice is the greatest!!
Andres was GREAT to work with, I was approved same day and working on fixing credit now too!!
-Mariah
December 4, 2015
First Loan Choice Is Great!
I enjoyed my experience with First Loan Choice, I was desperately in need of a loan and they provided me with everything I needed! Great company!
-Elvis
December 4, 2015
AWESOME EXPERIENCE
I was helped with all my needs and the customer service was great!
-Vicky
November 16, 2015
Very responsive and quick to action!
Communication was fast and courteous. They followed up to make sure everything worked out. I would recommend this is where you start.
-Dave
Apply now to get the cash you need!
HELP ME FIND A LOAN TODAY!
100% Free and will not impact your credit score!
Click Here
PRODUCTS
Personal Loans
Business Loans
Credit Repair
Pension Loans
Auto Loans
 
Merchant Accounts
Debt Assistance
Student Loan Assistance
Disclosures
Loan Calculator
Privacy Policy
ABOUT US
Our Mission
How It Works
Why First Loan Choice?
FAQs
Terms of Service
Blog
Jobs
CONTACT US
1-866-978-6863
info@firstloanchoice.com
facebook linkedin instagram twitter
 -866-978-6863,  info@firstloanchoice.com Copyright © 2016 First Loan Choice ,LLC . All Rights Reserved.
7061 West Commercial Boulevard, Suite 5-G, Lauderhill, Florida 33319
Disclaimer: Debt Management services are solely provided by a tax identifiable nonprofit organization in which First Loan Choice is not or does NOT claim to be. First Loan Choice will assist clients with connecting to a nonprofit debt management firm. First Loan Choice works with attorneys for credit & debt settlement services. First Loan Choice is NOT or does NOT claim to be licensed attorneys or paralegals in any way. First Loan Choice is not a lending institution or does NOT claim to be. Not ALL loan options are solely provided by First Loan Choice and some lenders will refer client to additional financial assistance options. The Annual Percentage Rate or APR is predicated by a client's credit history as well as Debt to Income Ratio (DTI). First Loan Choice has no authority to "guarantee" loans in any way and are dictated by underwriters and direct lending institutions. Debt Services and Some Loan Services are not available in all 50 states. Contact a representative for exact information.