Skip to main content

Personal Loans and Debt Consolidation

Get cash back on everything. Everywhere.

Achieve your dreams with affordable financial options to free up cash.

A personal loan from Community First can help you consolidate debt, take a vacation, do home repairs, cover car expenses, pay for medical procedures and much more.  Have the cash you need, when you need it and start focusing on what's most important to you.

Call us at  904.900.2877
Personal Loan Rates | Debt Consolidation Calculator | Schedule an Appointment

Apply for up to $50,000

Affordable payment options

Special low rates

No origination or account fees

Personal Loans

Personal Loans feature fixed low rates that never go up. You can apply for up to $50,000 and spread out your payments for up to 84 months.

Benefits include:

  • Fixed low payment
  • Terms up to 84 months
  • No origination or account fees
  • Loans for up to $50,000
  • Transfer cash into your account
  • Competitive rates

Lines of Credit

A Line of Credit is a revolving credit line available for you to draw on whenever you need it. It works like a credit card without the plastic.

Benefits include:

  • Revolving Line of Credit (similar to a credit card)
  • Minimum $500
  • No origination or account fees
  • Take control of your cash flow and draw out cash as you need it
  • Online account access
  • Competitive rates

Shared Secured Loans and CD Secured Loans

Do you need to establish credit? Community First Share or CD Secured Loans are connected to money already in your account and allow you to build credit or rebuild and improve your credit score.

Benefits Include:

Debt Consolidation

With a debt consolidation loan from Community First you can borrow up to $25,000 to combine your high rate debt into one fixed low payment you can afford.

Benefits include:

  • Borrow up to $25,000*
  • Pay off high rate credit card debt
  • Have one fixed low monthly payment
  • Spread out payments for up to 84 months
  • Competitive rates

Frequently Asked Questions

What is a Personal Loan?

A Personal Loan is used for a variety of purposes such as freeing up cash, home & auto repairs, funding a vacation and much more.

What are the benefits of a Personal Loan?

The benefits of a Personal Loan is that it can be used for a variety of purposes, it has a set loan term, a fixed rate and an unchanging monthly payment.

What can I use a Personal Loan for?

You can use a Personal Loan for many purposes such as debt consolidation, planning for a vacation, covering unexpected expenses, making home improvements or repairs, vehicle repairs, special events, and much more.

What are the rates for a Personal Loan?

Click here for our Personal Loan rates

Can I use a Personal Loan to purchase a vehicle?

Yes, you can use a Personal Loan to purchase a vehicle. Although, an Auto Loan may be more suitable and may offer more advantageous terms. Check out our Auto Loan offers here

Can I draw more money from my Personal Loan?

A Personal Loan is an established amount borrowed for an established time frame. Although, additional draws are not available, we may be able to look into loaning an additional amount. However, Community First Credit Union also offers additional products that offer this great benefit.

What is the interest on my Personal Loan?

To find the interest on your Personal Loan, visit the ‘Loan Details’ page in Online & Mobile Banking. Click here to register in Online Banking, or log into Online Banking. You can also find the interest on your Personal Loan in the original loan document.

How many more payments do I have on my Personal Loan?

To learn how many more payments you have on your Personal Loan, you can call our Member Experience Center's Solutions Representatives at 904.354.8537. They can provide the specific details of your loan and discuss the many loan options that Community First offers. Click here to find your closest branch location or call our Express Team at 904.204.9077.

How do I pay my Personal Loan?

Community First offers multiple ways to make your payments. Click here to view payment options

Can I pay ahead on my Personal Loan?

Yes, you can pay up to 90 days in advance on your Personal Loan. Any additional payments that are made outside of the monthly payments will be applied to principal and any outstanding interest owed. Interest will still accrue during the time between payments.

Will I receive a penalty/fee for paying off my Personal Loan early?

No, you will not receive a penalty or fee for paying off your Personal Loan early. There are not any pre-payment penalties on any of our Consumer Loans at Community First Credit Union.

moveUP Money Talk

Here are some great reads to help you learn more about financial tips for all of your personal loan needs!

Do You Have Too Much Debt?

Do You Have Too Much Debt?

When to Use Credit (and When to Avoid it)

When to Use Credit (and When to Avoid it)

Personal Loans - All loans and accounts are subject to approval. All rates are based on an evaluation of the member’s individual credit history. Terms are subject to conditions and verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.

*Debt Consolidation - An initial deposit of $5 to be held in your Community First Share account is required for membership. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. Credit and other restrictions may apply. APR= Annual Percentage Rate. Payment example for $5,000 borrowed at 8.25% APR for 36 months= $157. *In some cases you may be able to borrow up to $50,000.  Credit, income and other restrictions apply.

rev. 12.21