All f1RST Personal loans offer a fixed rate, but individual rates are determined based on each person's qualifications that include, but are not limited to education, credit history, work experience, and debt-to-income. 

Our Annual Percentage Rate (APR) ranges from:

See Website - 20.00% for 3- and 5-year loans

The interest rate is only one factor of the cost of a loan. The total cost can be understood by the APR which is the annual cost of a loan inclusive of the interest rate and all other associated fees. When comparing loan products, it is important to consider the APR of each product.