A Variety of Personal Loans From First Choice Credit Union

Personal loans are loans between $500 and $10,000 that can be taken out for a variety of reasons and are not restricted to a particular purchase. Like other loans with First Choice Credit Union, the terms of your loan are based on the amount borrowed, and the rate you pay is based on your credit history. Our members know they can rely on us to offer the fairest and best rate possible, and it is a pleasure for us to help our members realize their dreams.

Personal loans are appealing not only because they can help you reach your goals, but because they are flexible, have lower rates than credit cards in most cases, and, if paid in full each month, they can actually improve your credit score.

Americans use personal loans for everything from debt consolidation to wedding receptions. Let’s look at some of the common (and not so common) ways to use a personal loan.

1. Debt Consolidation

Consolidate credit cards or other loans into one single personal loan, and get a fixed rate, fixed monthly payment, and often, cases lower interest rate.

2. Home Improvements and Remodeling

Americans spend billions of dollars on home remodeling projects each year, and these costs can be covered (and paid over time) with personal loans.

3. Weddings or Quinceñeras

Celebrate your big day just how you want! It may mean big price tags that add up, so many families use a personal loan to make their celebration perfect.

4. Medical Bills or Adoption

Paying for surgeries and treatments or worrying about preparing for an adoption can be alleviated with personal loans.

5. Funeral Expenses

These often unexpected costs can run over $10,000.

6. Trips of a Lifetime

Be careful of using a personal loan for travel expenses, but if there is a once-in-a-lifetime trip that you are carefully planning to finance, like a honeymoon or destination wedding, this could be a good option.


Interested in your own personal loan? Members can apply for a personal loan in person at any of our branch locations, or online.

How to Save Money on Your Daughter's Quinceañera

Your daughter's coming of age birthday party might seem like it is going to cost you a pretty penny as you begin to plan and prepare. Some people can go overboard and spend a small fortune on their daughter's quinceañera, but with these money-saving tips, you can afford to throw your girl the birthday party of her dreams!

Skip the Salon

Your daughter and her friends want to look perfect for the big day, but a lot of hair, makeup, and nail treatments can be done less expensively than at a salon. One idea is to go to a local cosmetology school to get discounted services. Otherwise, enlist a particularly talented friend or relative to help with hair or makeup for getting ready, saving you hundreds in salon costs.

DIY Decorations

Instead of flowers, choose balloons or photographs to decorate the party. The dollar store offers many creative and inexpensive decorations and you can search on Pinterest.com for easy DIY crafts to make with them. Enlist relatives to help create custom quinceañera decorations and even put together favors for your guests.

Frugal Food

Make handmade food choices instead of catering. Traditional dishes will go over better with your guests, anyway! You can also choose to have multiple smaller cakes or cupcakes instead of just one big one to save a little money. Another popular choice is to serve multiple appetizers instead of a sit-down dinner. Plated meals will oftentimes blow the budget so simpler food choices can reduce the cost of your daughter's quinceañera dramatically.


As your daughter celebrates her very special fifteenth birthday, it can be tempting to spend a lot to have her every wish granted. To save money on her quinceañera, heed these tips to save tons of money.

First Choice Credit Union is here to help you make smart financial decisions in all aspects of your life. We offer a special quinceañera loan just for your little girl. Stop in today and ask about how we can help make her birthday the best yet!

Quinceañera Loans to Help Celebrate Your Daughter’s Big Day

For a young woman, a quinceañera marks the landmark moment when she transitions from childhood to adulthood. Celebrated in different ways across the world, this special birthday is a once in a lifetime event for a young woman. A grand affair, the expenses of a quinceañera can quickly spiral into an expensive bill. Even with a well-intentioned and firm budget, many quinceañeras end up costing as much as a small wedding. How can you make this grand celebration a dream come true for your daughter without spending a fortune?

To help relieve your family of some of the financial burden of a quinceañera, First Choice Credit Union offers a quinceañera loan that focuses on special low rates. This can make the cost of a dress, accessories, venue, photographers or videographers, invitations, decorations, and food significantly more affordable. Securing a First Choice Credit Union Quinceañera Loan can help you be proactive in your celebration planning.

To help celebrate and as an added bonus for loyal members, First Choice Credit Union will provide a 1% discount off an already low and unsecured interest rate.

First Choice Credit Union will also provide $25 dollars to help open a savings account for the special birthday girl. This means that your daughter can mark this special rite of passage with a rite of responsibility. While planning the special event, take this opportunity to teach her about financial security and responsibility by including her in the budgeting process and encouraging her to help save for the big event.

First Choice Credit Union offers wonderful customer service and excellent loan rates for every need. First Choice Credit Union members can apply online or call (562)-641-0100 for more information on loans.

For quinceañera celebration ideas, take a look at Budgeting for a Quinceañera Party and the Top 10 Quinceañera Themes of 2016.