How long do I need to be a member before I can apply for a personal (unsecured loan) with First Flight?

The primary borrower must be a Member for at least 90 days and have an account in good standing.

What qualifications and credit score requirements are needed to apply for an (unsecured) personal line of credit?

Applicants must be at least 18 years of age and meet the applicable credit requirements for a personal line of credit. Loan approval is based on several factors. We use a holistic view when reviewing an applicant’s credit history rather than relying solely on a client’s credit score.

How much can an (unsecured) personal line of credit be?

The amount you can borrow with an (unsecured) personal line of credit is based on a percentage of your annual gross income.

If I am self-employed, can I apply for an (unsecured) personal line of credit?

Yes, self-employed Members can apply for an (unsecured) personal line of credit. These applicants will be asked to provide two years of tax returns.

How much should I budget for my monthly bill?

Yes, we offer competitively-priced warranty products and GAP insurance on RVs, which our specialists can work with you during the process.

Are there fees on the unused balance?

There are no fees on the unused balance.

If the line of credit is paid off may I use it again?

Yes, you can use the funds again. First Flight does reserve the right to close lines of credit.

Personal Equity Line

Overdrafts and unforeseen expenses can happen. Give yourself options with with fast access to cash with no overdraft fees.

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$500

Minimum borrowing amount ¹

60 months

Up to

Terms available

Rates as low as

12.27%

APR

Easy personal lines of credit—so you can focus on your budget.

Easy application

A First Flight Member Service specialist will guide you thru our application and answer any questions you have.

Fast decisions. Fast funding.

We have processes in place for a quick-turn around on loan decisions. We value your time and respond quickly.

We value our members

Members with over 90 days at First Flight may apply for a Personal Equity Line.

Flexible loan options

Competitive rates and flexible terms keep payments budget-friendly and link directly to your First Flight checking account.

Other popular products

Auto Loans

Competitive auto rates with terms that work – on your terms.

Purchase from a dealer or private seller
Efficient approvals and personalized service
Refinancing options available

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Personal Loan (Unsecured)

Consolidate debt and manage major expenses with affordable, budgeted payments.

Fixed rates for the life of your loan
Expect quick, timely decisions
No collateral is needed

Learn More

Personal Equity Line

Consolidate debt. Manage large planned and unexpected expenses with budgeted payments.

Fixed rates for the life of your loan
Expect quick, timely decisions
No collateral is needed

Learn More

Frequently asked questions:

How long do I need to be a member before I can apply for a personal (unsecured loan) with First Flight?
The primary borrower must be a Member for at least 90 days and have an account in good standing.
What qualifications and credit score requirements are needed to apply for an (unsecured) personal line of credit?
Applicants must be at least 18 years of age and meet the applicable credit requirements for a personal line of credit. Loan approval is based on several factors. We use a holistic view when reviewing an applicant’s credit history rather than relying solely on a client’s credit score.
How much can an (unsecured) personal line of credit be?
The amount you can borrow with an (unsecured) personal line of credit is based on a percentage of your annual gross income.
If I am self-employed, can I apply for an (unsecured) personal line of credit?
Yes, self-employed Members can apply for an (unsecured) personal line of credit. These applicants will be asked to provide two years of tax returns.
How much should I budget for my monthly bill?
Yes, we offer competitively-priced warranty products and GAP insurance on RVs, which our specialists can work with you during the process.
Are there fees on the unused balance?
There are no fees on the unused balance.
If the line of credit is paid off may I use it again?
Yes, you can use the funds again. First Flight does reserve the right to close lines of credit.

Membership required. APY = Annual Percentage Yield. Rates are effective as of 4/1/25 and are subject to change without notice. 1$10 monthly fee for Prestige Checking is waived with Direct Deposit or $500 average monthly account balance. 2First Flight Federal Credit Union charges $2 per non-First Flight ATM transaction, which is waived on Prestige Checking Accounts. Members are responsible for fees charged by the ATM-operator.

Note: First Flight also offers a checking account option to applicants who do not qualify for a standard checking account. Please speak with our friendly staff or Member support to learn more about a First Flight Fresh Start Checking Account.