Have you had a bankruptcy? Foreclosure or short sale? Battling a low credit score?

First Citizens' Fresh Start Loan can offer you a new beginning while re-establishing your credit!

Who qualifies?

  • Members with bankruptcy within the past 12 months
  • Members with previous delinquencies
  • Members with limited credit
  • Must have 20% equity in property

Do you qualify for a Fresh Start Loan?


Want to build credit?

See our Banzai couch below for a helpful guide!


*Loans are subject to approval