We provide our hardworking customers with personal loans for a variety of needs including unanticipated bills, holiday cash, car repairs, medical expenses, dental expenses or any other expenses for which they might need a little extra help. We can also make large loans for furniture, vacations, appliances, debt consolidation and other larger purchases. We also make automobile loans.

At 1st Capital Credit, we understand that everyone needs a little help sometimes, even customers with less than perfect credit. We will consider your individual situation and credit background and then work with you to try and find a personalized financial solution that fits your needs. We can make small loans up to $2,000.

We understand the hardships our customers face every day, and we are committed to helping you keep your belongings. However, we require collateral in the form of personal property (TVs, stereos, etc.) and/or car or truck titles.

Federal law requires us to obtain, verify, and record information that identifies each person who opens an account with us. Your assistance in providing us with this information helps us to not only process your application quickly, but also to protect you from the danger of identity theft. You will need to bring the following items to the branch when you apply for a loan: An unexpired driver's license or other government-issued ID. A recent utility bill (water, telephone, power), bank statement, or lease agreement that states your name and physical address. Your most recent payroll stub or other proof of income.

Yes, you can make a payment at any other 1st Capital Credit branch, although our branch representatives will not be able to access your account information from a different branch. We strongly encourage you to make your payments at the branch from which the loan was originally made.

Currently 1st Capital Credit accepts cash, Certified checks, and debit Cards.