Your Personal Loan
- Receive a discount of 0.25% Annual Percentage Rate with automatic loan payments*
- Borrow up to $25,000 per member, subject to credit approval**
- Choose a repayment term, up to 5 years, that meets your needs
- Minimum loan is $500
- Payment protection available
- Get a monthly statement via mail or e-statement
- Share Secured, Share Certificate Secured, and Cashline Overdraft Protection options are available
Get more out of life with First New York’s personal loan. Its flexible repayment terms and low rates can help you finance vacations, holiday expenses, a wedding, and whatever else you desire. Because, when you need low personal loan rates, First New York has you covered.
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View our Personal Loans
- Receive a discount of 0.25% Annual Percentage Rate with automatic loan payments
- Borrow up to $25,000 per member, subject to credit approval**
- Choose a repayment term, up to 5 years, that meets your needs
- Minimum loan is $500
- Payment protection available
A personal loan is an easy solution to covering emergency, vacation, wedding, and home remodeling expenses. First New York’s team of loan experts can help you determine the best personal loan solution for your needs. Let’s get you the best financing for your unique situation.
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| Term Up To | APR as low as* | Monthly Payment |
|---|---|---|
| 12 months | 8.99% | $87.45 |
| 24 months | 9.24% | $45.79 |
| 48 months | 9.74% | $25.24 |
| 60 months | 10.24% | $21.37 |
| *Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month. | ||
Financial Solutions
Additional Personal Loans
- Interest rate is 3% above the share dividend rate and adjusts quarterly***
- Term up to 10 years
- Receive a monthly statement by mail or by e-statement
- Maximum amount is based on the account balance
- Borrow up to Share Balance
Start using your savings to cover a big expense. If you’re exploring your options on how to cover a major purchase, discover how a Share Secured Loan can help.
Apply Now Shop Rates- Interest rate is 3% above the share certificate dividend rate****
- Term up to the term of the new share certificate term or remaining balance of share certificate term
- Receive a monthly statement by mail or by e-statement
- Maximum amount is based on the account balance
- Borrow up to Certificate Principal Balance
Use your certificate account to fund a major purchase. Like a Shared Secured Loan, you can borrow against the money in a certificate account to help get the funds you need.
Apply Now Shop Rates- Variable rate based on Prime Rate; adjusts quarterly
- Receive a monthly statement by mail or by e-statement
- Borrow up to the $5,000 maximum line of credit******
Shield yourself from overdraft, returned checks, and all the related fees with Cashline Overdraft Protection. Let us help you prevent accidental overdrafts or issue a loan up to the amount of your approved limit to cover expenses.
Apply Now Shop Rates*Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
**This applies to personal loans only.
***Competitive Variable Rate. After disbursal, the loan rate may adjust quarterly. The variable Annual Percentage Rate (APR) will be based on the share rate on the first business day of the current quarter. See share rates for current rates. APR offered is subject to change at any time and all loans are subject to approval. The maximum amount for a loan is based on individual Share Balances.
*****Competitive Fixed Rate. Borrow up to 100% of your Share Certificate Rate and Share Certificate Balance.
******Variable loan rates are set quarterly and based on the actual Prime Rate on the last business day of the previous quarter. $5,000 maximum line of credit subject to credit approval. The Prime Rate as of 06/30/2023 was 8.25% APR as published in the Wall Street Journal.
†Loan Center is available Monday-Friday from 8 a.m. until 6 p.m. and on Saturday from 9 a.m. until 1 p.m.