Personal Loans

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We’re here for you when you need us.

Whatever life brings your way today, our Personal Loan offers competitive rates and an easy application process so that you can look forward to tomorrow.

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Enjoy these convenient features & benefits:

Competitive,
Fixed Interest Rates

Flexible Terms

No Prepayment
Penalties

Rates

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12 Months
As low as
12.00 % APR1
24 Months
As low as
12.25 % APR1
36 Months
As low as
12.50 % APR1
48 Months
As low as
12.75 % APR1

Personal Loan Options

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  Personal Loan Unsecured Share Secured Loan
Summary A loan without collateral and based on the creditworthiness of the applicant. A loan secured by a set amount of share on deposit.
Minimum Loan $500 $500
Maximum Loan $25,000 for single
$50,000 for joint
Not to exceed share account balance being pledged.
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Applying for a Loan is Easy

Online

Our online loan application is easy, secure and available 24/7.

Apply Now

Over the Phone

Call us 24/7 to apply at your convenience.

(877) 549-4567

In Branch

Visit any of our 10 locations during business hours.

Skip-A-Payment

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Need some extra cash in your pocket? See how you can skip an auto or personal loan payment and get the flexibility you need to handle unexpected expenses.
Terms and conditions apply.

Learn More

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Loan Protection Gives You Peace of Mind

Valley First loan protection products are designed to help you overcome any hardships that may come your way.

Debt Protection

Help protect your loan payments against life’s unexpected events such as death, disability, or involuntary unemployment with
Debt Protection.2

Ask to add Debt Protection at any
Valley First branch.

TruStage Insurance

Save money on your life, auto or property insurance and experience excellent service with TruStage Insurance.2

Learn More

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Requirements 

To get an Personal Loan, you must be a member of the credit union.

Not yet a member?

You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.

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1APR = Annual Percentage Rate. 12 monthly payments of $88.85 per $1,000 borrowed at 12.00% fixed APR. 24 monthly payments of $47.19 per $1,000 borrowed at 12.25% fixed APR. 36 monthly payments of $33.46 per $1,000 borrowed at 12.50% fixed APR. 48 monthly payments of $26.71 per $1,000 borrowed at 12.75% fixed APR. All loans subject to credit approval. Rates, terms and conditions subject to change. 
2Restrictions Apply. The purchase of these products is optional and will not affect your application for credit. The information provided here is not a contract. It is a general summary of product benefits, and its contents are limited due to size. Debt Protection coverage is administered by CUNA Mutual Group. TruStage Insurance is administered by CMFG Life Insurance Company, License #0I19359. These products are not insured by the National Credit Union Administration.