Personal Loans & Lines

Life’s unexpected twists and turns often require financial flexibility. A personal loan or line of credit from Altoona First may be the first step towards a brighter future.

Personal Term Loans

As your local lender, we want to give you every opportunity to succeed. That’s why we give you options, and take the time to guide you through those options so you can make an informed decision about the loan that’s right for you. We offer two types of term loans; secured and unsecured.

Secured Loan vs. Unsecure Loan

With a secured loan, we help you lock in a low rate when you use collateral such as a vehicle, savings or certificate of deposit at Altoona First. This may allow you to borrow a larger sum of money at a lower rate than an unsecured loan.

An unsecured loan does not require collateral, therefore you may have a lower borrowing limit and notice higher interest rates.

To see which loan is right for you, we encourage you to call one of our local representatives and see which loan is a better fit for your borrowing needs!


  • Competitive rates for a wide variety of personal needs:
    • Vehicle repairs or updates
    • Purchase a car or recreational vehicle
    • Family vacation
    • Education expenses
    • Personal projects or startups
    • And much more!
  • Secured and unsecured loans available
  • Customizable repayment terms
  • Local decision-making and fast processing

Personal Lines of Credit

Don’t wait to get started on that next home project, or pay off those outstanding medical bills. Get a personal line of credit today, so you can borrow what you want, when you want, at competitive interest rates to help cover larger expenses! Talk to one of our local representatives today to see if a Personal Line of Credit is the right loan for you!


  • Competitive rates for a wide range of needs
  • Only pay interest on what is used
  • Access anytime; no need to re-apply
  • Easy access to funds online, by check, in person, or through telephone banking
  • Security in knowing funds are always available
  • Local decision-making and fast processing

Manufactured Home Program

Unlock the door to home ownership with Altoona First’s Manufactured Home Program. We understand that finding the perfect place to call home is essential, and we are here to help you every step of the way. Embrace the comfort, convenience and affordability of a manufactured home. Your new chapter starts here – come and explore our manufactured home loan options today.


  • Fast, local decisions
  • Purchased only (no refinances)
  • Double-wide homes
  • Land-in-lieu of down payment options

Deposit Loans

Imagine accessing the funds you need while keeping your hard-earned savings intact. With our deposit secured loan, you can secure a competitive rate by using your savings or time deposit account as collateral.


  • Get the financial boost you need;
  • Continue to grow your savings;
  • Monthly payments required
  • Same day turnaround!