Below are a few of our most


What is required for a loan?

– You are at least 18 years old (19 in AL)
– You live in a state we service
– You have a job or regular source of income
– You have an active and valid checking account (savings and prepaid accounts not accepted)
– You have an email address to receive account information

How do I get my application results?

The results will typically be available to you in a matter of seconds after you submit your application. In some cases, we may need to ask for additional information or proof of income before your application can be approved. Once approved, you choose how much you want to borrow (based on your approval amount and state of residence). In the event we are unable to approve your application, we’ll provide you a reason for denial.

How do I get the offer you mailed me?

If you received an offer from First Federal Credit in the mail, you need to complete our loan application. Click Apply Now at the top of the page to get started!

Why is my approved amount different from my mailer?

As a responsible lender, First Federal Credit doesn’t want you to have payments that are too high or put additional strain on your finances. Our final offer takes into account the income you entered on the application and we may offer you a lower amount to ensure the payment is affordable.

Do you serve military customers?

Due to the changes in the Military Lending Act effective October 3, 2016, First Federal Credit is not available to applicants listed as Covered Borrowers in the Military Lending Act database, including qualifying active duty service members and their dependents as defined in 32 C.F.R. § 232. of the Military Lending Act.

Loan Information

How much can I borrow?

Our loan approval amounts range from $500 to $2,500 – depending on the laws of your state. Returning customers may be eligible for an increased loan amount depending on their payment history and the affordability of the amount requested. See our How it Works page for more information.

Can I pick a different loan amount?

The amount you are approved for is determined based on your state of residence, our assessment of what you can afford and your credit history. In several states we are not allowed by law to offer lower loan amounts. To understand the loans that we offer in your state please visit our What it Costs page.

How soon can I get my money?

If we receive your application by 6pm ET and you are approved, we can typically deposit your money into your account electronically as early as the next business day (M-F excluding bank holidays). You can contact the ACH department of your bank to verify that the funds have been credited to your account. If you prefer, you can request a paper check. If a paper check is chosen please allow 7-10 business days for delivery via the USPS. Applications received after 6pm ET are processed the next business day.

Can I pick a different payment schedule?

When you are approved, your first payment date and re-payment schedule are determined from your application information.

How much does it cost?

This depends on our assessment of what you can afford, your application information and credit history and the loan amounts and terms offered in your state (see How It Works for more information on the terms in your state). It’s important to remember that First Federal Credit may not be the least expensive credit option and may not be the best option for you. To understand how our rates compare to other options check out our What it Costs page.

What if I change my mind and no longer need the loan?

You have 3 business days from the date you signed your loan agreement to change your mind. If you decide our loan isn’t right for you, contact Customer Support and tell us that you no longer want the loan. You will repay the principal and will not be charged any fees or interest.

Can I have two loans at once?

No, you must pay off your current loan before applying for a new one.

How do I re-apply?

Existing customers need to Sign In to their account to apply for a loan. You must wait 1-10 days (depending on the payment method) after paying off your previous loan before you can reapply. Once you are eligible to reapply, click Apply Now.

Payment Information

What are my payment options?

For your convenience, if you have chosen to receive your money via electronic deposit (ACH debit), your payments will be electronically debited from your checking account. Contact Customer Support to make any other payment arrangements.

Are there early payment penalties?

First Federal Credit does not have any prepayment penalties, and we encourage you to pay back your loan early and save on the cost of your loan!

What happens if I don't make a payment by the due date?

Please contact Customer Support if you’re unable to make a payment by the due date. In most states, charges will continue to accrue on overdue amounts when you miss a payment.

How can I change my ACH Debit Authorization?

If you want to revoke your ACH authorization please contact Customer Support.