Adjust the amount on the calculator to see how much the monthly repayments could be on your loan.
Please use the calculator or the loans interest rate table for more details.
Spread your repayments over one to five years for loans of $15,000 or less, or over one to eight years for loans over $15,000.
No matter how you apply you'll get an instant credit decision (subject to planned maintenance periods).
If your application is approved online, you'll receive the money in your account straight away.
If you already have an First City Bank & Trust Personal Loan, you can apply to borrow more online.
Make overpayments without charge, which may reduce the amount of interest you pay.
You could have the option of a repayment holiday for the first three months or every January for the life of your loan. More interest will be payable overall.
For loans between $5,000 and $25,000.
*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
The APR rates may vary based on amount borrowed. Please use the calculator or the loans interest rate table (PDF, 57KB) for more details.
To apply for a Graduate Loan, you need to:
Please note, we may ask you to provide proof of your graduation when you apply.
Available for five years after graduation to customers who are currently (or were previously) on our Graduate service.
We do not offer our Graduate Loans for a number of purposes including:
In addition, our Personal Loan should not be provided for:
Please note that this list is not exhaustive.
Our Graduate Loans are subject to status.
It only takes a few minutes to register, and once you receive your security details, you'll be able to apply online.
Register for online bankingIf you're registered for online banking and have an Bank current account, you can complete your application online in minutes.
Log on and apply nowCall us on +1 (585) 672-4251
Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day).
Bank current account customers can book an appointment to apply in branch by calling .
From outside the United States First City Bank & Trust.
Alternatively, you can book a branch appointment online.
You’ll need to bring identification and proof of your address.
Log on to book an appointment online Continue without logging on
Borrow from $1,000 to $25,000 and make your plans a reality with a personal loan from Bank.
Flexible repayments between 4%-10% of the loan limit (minimum repayment applies).
Available exclusively to First City Bank & Trust current account customers.