Better than a credit card

Life Happens Loan

Big expenses happen, and sometimes they catch you off-guard. You learn you have to finance a wedding next year. Or your car needs major repairs. Or you need a medical procedure your insurance won’t quite cover.

We have a better solution than maxing out a credit card. It’s called the Life Happens Loan^{[1] [2]}.  It’s an unsecured loan that lets you borrow at rates even cheaper than many online lending websites. The Life Happens Loan means:

• No need for collateral to qualify
• Terms of 24 to 84 months
• Borrow $2,500 to $20,000
• Lower interest rates for higher credit scores
• Fast, local approval from a bank you trust

Handle life’s curveballs — and keep your nest egg right where it is, working hard for you — with the Life Happens Loan.

For more information, please click here.

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Deposit-Secured Loans

Another alternative to credit cards is a deposit-secured loan^[1], which can be used for building credit, home improvements, debt consolidation, education expenses, or a wide range of other purposes. 

Use your First Hope savings account or certificate of deposit as collateral. Your balances will continue to earn interest, and you can use the loan funds instead of depleting your savings account or incurring early withdrawal penalties on your certificate of deposit.

Since you're using your deposits as collateral, this option offers competitive rates and a fast application process combined with the personal service and local decision-making you have come to expect from us.

We work hard to create a solution that fits your monthly budget while attaining your goals.

Apply Now View Rates

Completed applications can be sent to consumer@firsthope.com or dropped off at your local branch.

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^[1]All loans subject to approval.  Rates are subject to change without notice.  To obtain current information, please call 908-459-4121.

^[2]Must be an established First Hope Bank customer for a minimum of one year. Payments must be auto-debited from a First Hope bank account or via ACH.  Maximum household borrowing limit is limited to the maximum loan amount.