Loans
First Miami offers a wide range of loans to all members, such as:
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Student loans and student loan refinancing options are available through our partner LendKey
No Application Fees
No fees
We also work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*
ISL Education Lending offers:
Loans for college students.
A loan option for parents and family members who wish to borrow on behalf of a college student.
Multiple student loan refinance options.
In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.
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Relocation loans are designed to help students (graduating seniors) about to enter the real world. This loan could be used if a student is moving into an apartment after graduation. First month’s rent, security deposits, furniture and other expenses can be hard to cover alone.
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Studying abroad during J-Term, Spring Semester, or during the summer? Get a loan from First Miami to help pay for that trip!
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Sometimes college programs and classes can interfere with a student’s financial position. At First Miami, we can discuss the possibility of taking out a short- or long-term loan to help pay for your computer and books.
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First Miami can help provide you with a solution to other financial needs, whether that be medical expenses or refinancing debt. We can advise you on the best way to achieve your financial goals.
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Greek life offers leadership, connection, and lifelong friendship, but the cost shouldn’t stand in the way. Our Greek Life Loan helps members cover chapter dues and required fees with manageable payments and transparent terms, so you can focus on your experience and not the bill.
Current Rates
Up to 36 Months
11.24%
Up to 60 Months
12.24%
Up to 72 Months
13.24%
The Annual Percentage Rates (APRs) listed are "AS LOW AS" rates. The rate you pay will be based on your credit history, account relationship, term of the loan, and where Applicable the year, age, condition, and value of the collateral.
~ APR, interest rates, and loan terms are subject to daily change without notice.
~ Share Secured Loan Rates, add 3.00% to the divided rate being paid on the share type securing the loan.
~ The Annual Percentage Rates (APRs) listed above are our lowest possible rates reflecting the highest credit rating, along with a .25% rate discount for Payroll Deduction, and .25% rate discount for Payroll Deduction, and a .10% rate discount for Automatic Loan Payments.
~ FMSCU is a subsidiary of Miami University and Community Federal Credit Union.