Student Loans

Valley First offers private loan solutions that can help you fill the funding gaps that federal aid may leave behind. With low rates and fewer fees, you could save hundreds of dollars by choosing a Valley First Student Choice private loan over other "alternative lenders".

What are the benefits of a Valley First Student Loan?
  • Zero origination or prepayment fees
  • Low interest rates
  • Option to defer all payments while in school
  • Convenient line-of-credit that helps you secure financing for your entire undergraduate career*
  • Flexible repayment terms
*Subject to credit qualification and annual credit review.

Who is eligible?

Undergraduate students enrolled at least half-time in a four year degree-granting program at a public or private non-profit school. Nearly 2,000 schools and campuses nationwide are eligible. If you are not already a member of the credit union, you will need to become a member.

Find eligible schools and campuses

How much can I borrow?
Once approved, students can borrow up to the school's calculated cost of attendance less other financial aid received. The exact amount will be certified by the school. The aggregated maximum (total amount you can borrow throughout your college career) is $75,000.

How quickly are the funds disbursed?
Funds are disbursed directly to the school by Valley First Credit Union on the date the school requests payment. Any excess funds beyond what is needed by the school will be disbursed to the student by the school.

How to Apply?
Apply Now or call the 24/7 Student Loan call center at (866) 677-0764.