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.

Can I refinance a personal loan?

Refinancing options for (unsecured) personal loans are availability based on eligibility. You can consult with a loan specialist on options.

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

Applicants must be at least 18 years of age and meet the applicable credit requirements for a personal loan. 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 I borrow with an (unsecured) personal loan?

A new RV is considered an RV made in the current year or minus one year.We do not finance commercial boats, limited charters, primary residences, house boats, fiberglass or metal-construction only boats.

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

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

Unsecured Personal Loan

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

Apply now

Call us or visit.

$500

Minimum borrowing amount ¹

36 months

Up to

Terms available

Rates as low as

12.27%

APR

Easy personal loans, 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 loan.

Flexible loan options

With competitive rates and terms up to 180 months, your monthly payment can fit your budget.

Other popular products

Advanced Personal Loans

Borrow up to $2,000 with no credit check.

Funds can be deposited into your account
Efficient approvals and personalized service
Easy online application

Learn More

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

Learn More

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

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.
Can I refinance a personal loan?
Refinancing options for (unsecured) personal loans are availability based on eligibility. You can consult with a loan specialist on options.
What qualifications and credit score requirements are needed to apply for an (unsecured) personal loan?
Applicants must be at least 18 years of age and meet the applicable credit requirements for a personal loan. 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 I borrow with an (unsecured) personal loan?
A new RV is considered an RV made in the current year or minus one year.
We do not finance commercial boats, limited charters, primary residences, house boats, fiberglass or metal-construction only boats.
If I am self-employed, can I apply for an (unsecured) personal loan?
Yes, self-employed Members can apply for an (unsecured) personal loan. These applicants will be asked to provide two years of tax returns.

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.