A Personal Loan Should Be An Option

Let's help get you get the cash you need.



Or you can call us at (800) 548-8138.

3 Simple Steps to Get a Personal Loan


1. Prepare

Determine how much money you need. Know your credit score. 


2. Calculate

Calculate your estimated monthly payment.


3. Apply

Quickly get the money you want. We'll guide you through the process. 

Ann BI have been with First Bank for a very long time. My first encounter was when I bought my first home. First Bank helped me when no other financial institution would even talk with me. My commitment to First Bank has grown from there.

-Ann B.


First Bank Richmond has been an amazing and supportive partner for the Rotary Club of Richmond. With their assistance we have been able to affect positive change in our community. We are lucky to have them and their generous giving spirit in the area!

-Mary C., Rotary Club of Richmond

Step 1: Prepare

Our rates are based on credit score, the loan amount, and other factors such as whether the loan is secured or unsecured. Consider what you will use your personal loan for and estimate how much you need. 

Step 2: Estimate Your Monthly Payment

Whether you're consolidating debt or planning a dream vacation, you'll want to have an idea as to what your monthly payment will be. Our calculator can help show you what your payments could be depending on your interest rate, term, and loan amount. 


Step 3: Apply

One of our loan officers will confirm your rate, guide you through the application process and answer any questions you may have to find the best loan for you. 


Frequently Asked Questions

What is the difference between a secured and unsecured loan?

With secured loans, the bank places a lien on some sort of property that belongs to the borrower (car, motorcycle, certificate of deposit, etc.) so in the event that we do not get repaid for the loan, the bank has the right to sell that property and try to recover its losses. 

Unsecured loans are given based only on a borrower's promise to repay.

Because unsecured loans do not have any collateral for the bank to hold as security, they are more risky for the bank. As a result, the interest rate on an unsecured loan is higher than if it were a secured loan, and the underwriting standards are stricter.

I have less than perfect credit, can I get a loan?

We try to offer flexible financing terms to help people even if they have some credit issues. However, there are still times when we have to deny a loan.

If we can't help you today, our lenders will counsel you on things you can do to improve your credit so you can come back again and apply successfully in the future. 

Does it cost anything to apply for a loan?

First Bank never charges just for applying.

A personal loan will have $175 in total prepaid finance charges (a $75 origination fee and a $100 processing fee). The finance charges are only charged once, when your loan has been finalized.  Fees can be financed into the balance of your personal loan which means if you take out a $2000 loan, you receive $1825 from First Bank. 

Can I pay my loan off early?

Absolutely! We do not charge any prepayment penalties for paying your loan off early.