Personal Loans



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Want to consolidate debt or need extra cash for the holidays, a wedding, or a vacation? We're here to help. 

Wherever life takes you, we make it easy with small or large personal loans - no collateral required and no closing costs.

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You Choose Your Loan

You never know what life will throw at you. From unexpected medical bills to emergency car repairs, things happen and they're not always in your budget. We offer a personal loan, no collateral required, for whatever you need. You choose and we'll be ready to help.
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C1st Cash Loan

Looking to build better credit? We offer smaller loans for C1st members that can range from $200 - $1,000 with a term of up to six months and no minimum credit score requirements. It's similar to a payday loan, only without the sky-rocket interest rates and fees.

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Consolidation Loan

If your bills are stacking up and you have high-interest debt, but don't have equity in your home to consolidate it, C1st can help. Combine your debt into one low rate loan with a Consolidation Loan.
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Quinceañera Loan

She deserves the best. Let C1st help give your daughter the Quinceañera of her dreams! With low rates and affordable payments, quickly access the funds to give her a day she’ll never forget. We’re here for you and your family and want to help commemorate special occasions EVERY day!
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Immigration Loan

Ease the high costs associated with citizenship applications, immigration, and work permits. It is possible to achieve your dreams in the United States, and C1st is ready to help! To apply for a personal loan for immigrants in the U.S., you will need a valid Driver's License or Consular ID Card, and your Social Security or ITIN.

Want to start the process of applying for a loan, but aren't able to make it into a branch right now? Start the application process online or schedule an appointment!

apply online 

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Convenient Options To Make Your Loan Payment

Online Banking Transfer
To make a payment from a C1st account, simply transfer the funds using online banking.

Cross-Member Transfer
Pay your loan with funds located in a separate C1st membership!  We can set up cross-member transfers in online banking.

Payroll Deduction
Have your payments automatically deducted from your direct deposit.

ACH Debit Payment
Set up preauthorized monthly payments from your account at another financial institution.

One-Time Payment
To make a one-time payment from another financial institution or credit card*, visit our Online Payment Center. There is an $8 convenience fee to use this service. This service is currently not available to pay a C1st Mortgage or C1st Credit Card.

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For additional information about these loan payment options, please call 866.360.5370 or email

*Does not include Visa credit cards. Cards that are available for payments include: Visa debit card, Mastercard credit and debit cards, and Discover cards.