Consumer Loans

Show Me the Money

First Entertainment offers loans for nearly every personal borrowing need, with a helpful variety of terms and repayment options. We're here to help!

• Personal Loans

  With up to $30,000 and excellent rates, we can get you the money you need to make stuff happen, and fast.

  • Consolidate your bills at a lower rate.
  • Take a vacation.
  • Use it for whatever - it's personal.

  First Entertainment Personal Loans feature fixed payments and a fixed payment schedule. View Current Personal Loan Rates

  Learn More About Personal Loans

• Secured Loans

  Perfect for establishing credit. These competitive loans enable you to borrow varying percentages of your pledged savings - at substantially lower interest rates.*

  You can Apply Now!

  View Current Secured Loan Rates

  Call us at 888.800.3328, we'll help you get your new Secured Loan and explain the terms and repayment options.*

  *All Loans are subject to credit approval, not all members will qualify. If loan request is for over $5,000 and the Account is less than six months old, the funds must be on deposit for a minimum of 90 days prior to the loan.

• Stretch Loans

  Have you come up short between paychecks and needed a little extra cash? Don't worry, it happens to all of us once in a while. Our Stretch Loan is a simple, fast, and low-cost alternative to payday loans.* Consider it a safety net when confronted with unexpected expenses - and without getting stuck in a never-ending cycle of debt from excessive finance charges.

  Stretch Loans are Easy to Get Too

  See any teller at your local branch and tell them you need a Stretch Loan for either $200 or $400.** They'll process your verbal request right there. And if approved, you'll walk out with cash in hand. That's all there is to it.

  *Approved based on the following: Primary member ONLY • Valid Driver's License, State ID card, U.S. Passport, or US Military ID • Account must be open 90 days Loan type: • Closed-end loan • First Entertainment membership in good standing • Employment or other source of income • Must be at least 18 years of age  Must have a valid contact/phone number already on file and a valid email Restrictions: • One loan at a time • Maximum of 4 loans in 6 months • Once maximum is reached, there is a 90-day waiting period from payoff of the last loan to apply again.

  **All Stretch Loans are subject to credit approval, not all members will qualify. Only Primary members may request a Stretch Loan; Joint members are not eligible. Loan terms are 35-days for amounts of $200 and $400 and have application fees of $15 and $22 respectively. The 35-day Annual Percentage Rate (APR) for a $378 loan with a $22 application fee would be 60.70%. The 35-day APR for a $185 loan with a $15 application fee would be 84.56%. A payment reminder will be e-mailed to the member seven (7) days prior to the loan due date. If not paid by due date, a $15 Late Fee will be assessed. A Late Notice will be sent via e-mail four (4) days after the due date. Failure to pay the loan will result in loss of services. Funds are advanced immediately, thus requiring an immediate signature on the Note and Disclosure Statement. Members may only have one (1) Stretch Loan at a time and are limited to four (4) consecutive Stretch Loans within a 6-month period. When this occurs, member may be eligible for the Next Step Loan. Call us at (888) 800-3328 for additional information.

  Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Our Members Deserve All the Credit They Can Get

We make credit affordable, convenient and helpful. No matter what your borrowing need, we have a program that can help, with various terms and repayment options that allow you to tailor your loan to your particular situation. And like everything else we do for our members, there are no hidden fees or charges, ever.

Convenient, helpful options:

• Payroll Deduction.
• Automatic Repayment Option.
• Money available the moment your loan is funded.
• Debt Protection Plan.
• And more!

We hope you find all the information you need. If not, just call us at 888.800.3328, we'll help you find the loan, the term and the repayment options that suit you best.*

* All Loans are subject to credit approval, not all members will qualify.