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Personal Loans

Personal Loans

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Unsecured Personal Loans

Your Loan, Your Way.

Life is full of unexpected expenses and opportunities. Whether you need to cover veterinary care, support your children's back-to-school needs, embark on a dream vacation, or even upgrade your home with new appliances, a personal loan can be the answer to your financial needs. You can also consolidate debt from high-rate credit cards or other loans, which can help you manage your monthly cash flow with a lower fixed-rate payment. 

  • Fixed rate with terms available up to 60 months
  • Maximum loan amount is $20,000
  • Easily apply online
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Secured Personal Loans

Preserve Your Finances While Getting Cash.

With a secured personal loan, your savings serve as collateral to obtain the loan. Opting for a secured personal loan enables you to protect your savings, build a positive credit history, and secure funds at the highly advantageous interest rates offered by First Commonwealth.

  • Safeguard your savings
  • Access to the low personal loan rates available

Secured personal loans can only be initiated through an in-person visit or by phone.

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Personal Line of Credit

Pay for the Unexpected.

Be ready for life's unexpected events with a Personal Line of Credit. It provides money when you need it, giving you peace of mind. You can stop worrying about how to pay for things because it's there when you need it and quietly available in the background when you don't.

  • Link to checking accounts to avoid overdraft fees
  • Maximum draw of $10,000 with a low, variable rate
  • Payments are based only on the amount you use
  • As you repay, your available line replenishes itself
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Student Loans

Student Lending Made Simple.

Why borrow money from some faceless lender? Get your student loan from your local credit union. If you’re looking for extra funding for your schooling, First Commonwealth, in partnership with Sallie Mae®, can help!

For those attending or borrowing for a student attending a degree-granting institution, we offer flexible loans designed to meet your needs. Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, we've got you covered:

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty 1
  • Multiple repayment options


1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.