• YouFirst Neighbor Loans

    When you need a helping hand to take the first step home

  • To apply call:
    1-800-421-0004
    Weekdays from 6 a.m. to 9 p.m. ET
    Weekends from 8 a.m. to 6 p.m. ET

    Our YouFirst Neighbor Loan is a low-interest rate, unsecured, expedited loan that we offer to customers in times of great community need, like Hurricane Sandy recovery.

    When you need money quickly to repair your house, replace a destroyed car, or buy necessities for your family, our YourFirst loans can help provide the funding.

    We are currently offering this program to customers in Eastern PennsylvaniaEastern New YorkConnecticut and Massachusetts. You can apply for this loan in your local branch or on the phone until December 31.

    Details of the loan program include:

    • Same day decision and funding
    • Loan amount: $1,000-$10,000
    • Fixed rate of 4.99% APR
    • Term: 12-60 months
    • No closing cost
    • No application fee
    • No prepayment penalties
    • Requires automatic transfer of minimum monthly payment from a First Niagara Checking account

    To give you a sense of how these terms translate into monthly payments, here are a few sample scenarios:

    Loan Amount Term Annual Percentage Rate (APR) Monthly Payment
    $5,000 36 months 4.99% $149.83
    $5,000 48 months 4.99% $115.12
    $7,500 48 months 4.99% $172.69
    $7,500 60 months 4.99% $141.50
    $10,000 60 months 4.99% $188.67


    Please call 1-800-421-0004 if you have any questions about this program.

    This is not a commitment to lend or extend credit. Conditions and restrictions apply. Information and offer is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states.
FDIC

Security Message: First Niagara will never contact a customer on an unsolicited basis and request their electronic banking credentials or any other form of personal identifiable information. (Bank card number, account number, Social Security Number, PIN number or password).

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