The Right Loan for 'What's Next'

Your needs are unique, and so are our personal loans. Our flexible personal loans are designed to give you the financial support you need, fast. Explore our loan options and find the perfect fit for your situation.


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Explore Our Personal Loan Options

Personal Loans

A flexible borrowing option to fund your needs, from consolidating debt to covering unexpected expenses. Unlock the power to achieve your financial goals with competitive rates and terms tailored to your lifestyle.

Lines of Credit

A revolving line of credit giving you quick access to funds when you need them. Whether it’s handling unexpected emergencies or a large expense, this flexible financing solution grows with you.

CD Secured Loans

Secure your loan with a BayFirst Certificate of Deposit (CD). Ideal for leveraging your existing savings for larger purchases without touching your principal.

Money Market Secured Loans

Perfect for larger expenses like home renovations or purchasing a vehicle, with your investments as collateral.

Credit Builder Loans

Designed to help establish or rebuild your credit while you save. This loan allows you to improve your credit score while building up a savings account, perfect for planning for future financial success.

Get Started

What's Next? Apply online.

  • Choose Your Loan

    Select your loan type, term, and desired loan amount.

  • Provide Your Information

    Give us some brief contact and personal information.

  • Submit Your Application

    Once completed, your application will be reviewed and if approved, receive your funds.

    Apply Now

Have questions?

Personal Loan FAQ

A personal loan is a type of installment loan that allows you to borrow a lump sum of money and repay it over time with fixed monthly payments. You can use a personal loan for various purposes, such as debt consolidation, covering medical expenses, or funding home improvements. Interest rates and terms vary depending on your credit score, income, and loan amount. At BayFirst, we offer flexible personal loans with competitive rates and no hidden fees.

Personal loans offer several benefits, including fixed interest rates, predictable monthly payments, and the flexibility to use the funds for almost any purpose. They can be a good option for consolidating high-interest debt, financing large expenses, or covering emergencies. Our personal loans come with quick approval processes and terms tailored to your financial needs.

To qualify for a personal loan, lenders typically consider your credit score, income, and debt-to-income ratio. Good credit can help you secure better terms, but even if your credit is less than perfect, BayFirst offers credit-builder loans designed to help you improve your credit score while accessing the funds you need. We offer flexible requirements for different loan types.

A secured personal loan requires collateral, such as a Certificate of Deposit (CD) or money market account, to back the loan. This often results in lower interest rates. An unsecured loan does not require collateral, but it may have higher interest rates. BayFirst offers both options, allowing you to choose based on your financial situation and needs.

Yes, personal loans are commonly used for debt consolidation. You can combine high-interest debts like credit card balances into a single loan with a lower interest rate, reducing your monthly payments and simplifying your finances. BayFirst offers competitive rates that can help you save money over time.

While a personal loan can be used to finance the purchase of a car, an auto loan is generally a better option for vehicle financing. Auto loans typically offer lower interest rates because the vehicle itself serves as collateral. In contrast, personal loans are usually unsecured, resulting in higher rates. If you're looking to purchase a car, consider an auto loan for more favorable terms, but if you want flexibility in how you use the funds, a personal loan could still be an option. At BayFirst, we offer both auto loans and personal loans to help you find the best fit for your needs.