How It Works About Us
BorrowersFirst
About Us

We are an online consumer lending platform organized around providing superior value and experience for our borrowers. Founded in the summer of 2013 and headquartered in Austin, Texas.

We believe in putting our customers first. That means affordable, fixed rate personal loans that are backed by secure technology and friendly service.

This is what first feels like.

The philosophy of putting borrowers first

By breaking the mold of high interest, sudden rate hikes and complicated processes, we created a new approach to lending that connects consumers to credit in a revolutionary way.

Low rates that never go up

Our borrowers can rely on personal loans that come without any surprises. Low, fixed rates and affordable monthly payments that won’t increase over time. Plus, no pre-payment penalties.

Secure technology means smarter lending

By using safe, secure technology we have streamlined the lending process. The result is loan approvals in seconds and funding in as little as two days. Extraordinary focus on efficiency that never compromises the safety of our customers’ information.

Personal loans that come with personal service

It’s no surprise that 95% of our customers would recommend us to a friend. We make sure our customers get the help they need as quickly as possible by a trusted and friendly service team.

Satisfaction rate from the Better Business Bureau as of 12/16/2016

BorrowersFirst loans are unsecured, personal loans made by Cross River Bank, a New Jersey State chartered bank, Member FDIC. Eligibility for a loan is not guaranteed. To receive a loan, you must be a US citizen or permanent resident and at least 18 years old (or 19 years old in Alabama). At this time, we do not accept loan applications from residents of Connecticut, Hawaii, Idaho, Iowa, Maine, Mississippi, Nevada, New York, Tennessee, Vermont, West Virginia, Wisconsin or Wyoming.