Best personal loans with a co-signer in February 2022


First Tech Credit Union was founded in 1952 and offers its members small personal loans, allowing those with low to average credit profiles to access better rates with minimal fees. Rates are competitive – starting at 6.70% – especially for those with lower credit scores, and First Tech allows co-signers.

Unless you live in Lane County, Oregon, you will need to meet one of these membership criteria: you are employed at a company on the First Tech Partner List, you work for the State of Oregon or you belong to the Financial Fitness Association or Computer History Museum. However, since anyone can join these two Affiliate Member Organizations, we chose First Tech as the best lender for the minimum loan amounts.


Other important information:

  • Maximum/minimum amount you can borrow: $500 to $50,000
  • APR range: 6.70% to 18.00%
  • Costs: No administration or set-up fees or penalties for early repayment; Late fees vary by loan type; $28 returned payment fee
  • Minimum recommended credit score: 580
  • Other qualification requirements: First Tech Credit Union considers your complete creditworthiness
  • Repayment Terms: 24, 36, 48, 60, 72 or 84 months
  • Deadline for receipt of funds: From the same day of loan approval and within 2-3 business days of approval
  • Restrictions: Must be a credit union member to qualify

Read the full review: First Tech Federal Credit Union Personal Loans

About Judith J. George

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