Apply For A Loan At First Choice

Applying for a loan at First Choice is a simple process. Like many other financial institutions around the New Castle and Lawrence County area, we ask for basic information, verification of income and information on the type of loan you are applying.

Are you ready to apply?

Apply For Your First Choice Loan Now

Please remember, federal regulations dictate that you must be a member of the credit union before any credit check may be taken.

Why First Choice Federal Credit Unions?

With First Choice Federal Credit Union of New Castle Pennsylvania, you get more than a great loan. You get competitive (likely, some of the best you will see) rates in APR and interest rates, flexible programs, the availability of Skip-A-Pay when you need it, more liberal approval rates and more.

How does First Choice do this?

The first reason why First Choice can offer low rates and more programs is because we are not like a corporate financial institution. Instead of a focus on profit, we are focused on serving our members, and the community.

This is also the other reason why we can offer what we do in loans at such low APRs and varied types – the community. Not every problem is the same as the next. And, solutions are not always the same from one situation to the next. Because of this, we offer special programs like our Board Special loans, varying degrees of new and used car loans and more.

Comparing Financial Institutions In The Area

Over the years, First Choice has continuously has continuously shown itself as a leader in the best rates for our community, and our membership. How low can we go?

At First Choice, we do not offer just comparative loan rates, but some of the lowest loan rates in the Lawrence County area. And, this doesn’t end with our new car loans and used car loans.

What do you need for a First Choice Federal Credit Union loan?

At First Choice, when you apply for a loan, we require a few items for 1)verifying you are who you are, 2)verifying that you correctly take on a loan of a certain size and 3)look at your credit history and credit score for validation. We do this because we want to set you up for success – you can afford it, you can accept this debt and you are doing it because you want to and are not being coerced into getting a loan.

For the most part, we ask for the following…

  • Personal information like your name, address, phone
  • State ID / Driver’s License
  • Birth Certificate
  • Proof of current address (bills, tax filing, etc)
  • Proof of current income
  • Proof of previous income (tax filing, etc)
  • References and contacts

Depending on the type of loan, we may need a little more.

For instance, for car loans, we may require you to provide your current title if you are using this for collateral, proof of current car insurance and more. For a home equity loan, we need proof of your property taxes being paid, proof of home owner’s insurance and current and possibly last year and the year prior tax returns.

Please remember, federal regulations dictate that you must be a member of the credit union before any credit check may be taken.

What can you get with your First Choice Federal Credit Union loan?

The short answer is many things!

Our members do not only purchase their next vehicles through First Choice, but also the following:

  • Debt Consolidation
  • New boat
  • Camper / RV
  • Vacation
  • Classic Vehicles
  • Home upgrade(s)
  • Optional medical and/or dental work
  • Building credit

These are only a few of the reasons our members have relied on First Choice over these past 70 years for help.

Are you looking for a lender that you can trust?

Simply stop by one of the First Choice branches, call us at (724)652-8393, or fill out the form below. We can help you understand your options, and give you the best advice possible in meeting your goals and needs.