The compliance group’s mission is to supply readers with stories which might be fact-checked and present, so they can make informed financial selections. First Tech is among the finest options if you’re looking for a small home repair loan for minor work. You can a First Tech private mortgage for as little as $500, the smallest quantity of any of our high picks. You’ll additionally keep away from the excessive APRs that come with payday loans. First Tech loans don’t have any utility, origination, or annual charges, and there is no prepayment penalty.

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