We are currently in our pre-launch phase and will begin accepting applications upon receiving our Illinois CILA license. Submit your information below to join our waitlist and be among the first to apply.
Your Credit Journey Starts Here
We believe everyone deserves a fair shot at building credit. First Gen Loans was created to help thin-file and first-time borrowers get the financing they need — and take the first step toward building their personal wealth and achieving their American dream.
$2,500 – $15,000 loan amounts
Build credit from day one
Step 1
Apply Online
Complete our simple online application in minutes. No hard credit pull to get started.
Step 2
Get Your Decision
We review your application using alternative credit data — not just your credit score. Get a decision fast.
Step 3
Drive & Build Credit
Get behind the wheel and start building your credit history. We report to all three major credit bureaus from day one.
Loan Details
Loan Amount
$2,500 – $15,000
APR Range
Tailored to your profile
Credit Reporting
All 3 Bureaus
Who We Serve
First Gen Loans was built for borrowers who have been overlooked by traditional lenders. If any of these sound like you, we’re here to help.
First-Time Borrowers
Never had a loan before? We specialize in helping first-time borrowers establish their credit history and get the financing they need.
Thin-File Borrowers
Have some credit history but not enough for traditional lenders? We use alternative data to evaluate your full financial picture.
ITIN Borrowers
Don’t have a Social Security number? No problem. We accept ITIN borrowers and believe everyone deserves access to fair credit.
Ready to Start Your Credit Journey?
Applying takes minutes and won’t affect your credit score. Take the first step toward building your financial future today.