• Life Has Big Milestones. (And Sometimes Big Price Tags)

    Achieve your dreams or tackle what comes your way with our personal loans and lines of credit

    Whether you’re paying for college, taking a trip, planning a wedding or just want to prepare for the unexpected, some events in life just can’t wait. That’s why our personal loans and lines of credit are designed to help you move your life forward when you decide the time is right.


  • Signature Line of Credit

    Get flexibility for the unexpected. Give yourself extra peace of mind knowing you have funds on hand to cover any surprises. You’ll get a variable rate and easy access to withdraw what you want when you want. This variable-rate line of credit is based on the Wall Street Prime rate and is subject to change every three months.
    Enter your ZIP code to get rates.
  • Secured Loans

    Borrow more by leveraging the assets you already have. By using your cash or paid-in-full collateral, such as a recreational vehicle or a boat, you gain access to additional funds. You’ll enjoy a fixed rate and flexible terms.
    Enter your ZIP code to get rates.
  • Signature Loans

    Cover a vacation, buy a big-ticket item or consolidate debt. Life events don’t always happen when it’s convenient. But with this unsecured fixed-rate loan, you can choose the amount you need — starting at $5,000 — with no collateral required.
    Enter your ZIP code to get rates.
  • Home Improvement Loan

    Finance small-scale home improvement needs by taking advantage of our Home Improvement Loan - an unsecured loan product starting at $5,000.
    Enter your ZIP code to get rates.
  • Overdraft Line of Credit

    Protect your account and your credit from the unexpected. Have you ever had someone else’s check bounce in your account? It can cause you a whole cascade of unexpected overdraws. That’s where our Overdraft Line of Credit comes in. It automatically transfers money into your First Niagara checking account in increments of $100 and at a fixed rate.  
    Enter your ZIP code to get rates.
  • Student Lending

    We're proud to offer the First Niagara StudentFirstTM Loan in cooperation with Sallie Mae. If you’ve maximized grants, scholarships, and federal student aid, the StudentFirstTM Loan is an excellent education financing tool that features three repayment options, rewards opportunities and potential for an interest rate reduction.

    StudentFirstTM is a trademark of First Niagara Financial Group, Inc. Sallie Mae is the creditor for StudentFirstTM Loans. First Niagara is compensated by Sallie Mae for referring customers to the StudentFirstTM Loan program. Sallie Mae reserves the right to modify or discontinue products, services, and benefits at any time without notice.

This is not a commitment to lend. All loans are subject to credit approval. Restrictions apply.


Customize Your Experience.

By providing your ZIP code, we can customize our content to display the rates, products, locations and Mortgage Consultants in your area. Alternately, you can continue without ZIP code.


Lower your monthly payment by refinancing.

If you own a home, you may be able to lower your payment or shorten the term of your mortgage by refinancing. Call a Mortgage Consultant now at 1-877-731-4646.