Life Happens Loans

Just when you think you’ve got everything under control, life happens. Your child needs braces. You’ve got a medical issue. The family pet gets hurt. If you need to pay for life’s expenses, First Commerce can help with a Life Happens! Loan.

  • Loan amounts up to $50,000
  • Flexible terms up to 7 years
  • Low rates

Approved Providers

We’re partnering with healthcare providers in the communities we serve to make it easier for you to handle whatever life brings your way. Our healthcare partners often provide lower rates and more flexible terms than your provider’s other financing options. See our current list of partners below.

We’re always looking to expand our list of approved providers. If your provider isn’t on the list, let us know and we’ll contact them. We have plans to expand our list to providers offering medical, dental, cosmetic, optical, bariatric, fertility, veterinary services and more.

Dr. Russell B. Rainey, DMD

OFFICE: 850.385.3700


Dr. Daniel D. Barry, DMD MDS

OFFICE: 850.656.3917


Dr. Daniel B. Snead

OFFICE: 850.386.7846


Dr. MaKeba Earst, DDS



Dr. Walter E. Colon II, DMD, MS

OFFICE: 850.562.6111

Periodontal Associates of North Florida, P.A.

Chaney, Couch, & Associates

OFFICE: 850.877.0215

Family Dentistry

Interested in becoming a Life Happens! Provider at no cost to you so you can offer great rates & terms to your patients/clients? Contact us at 850.410.3559.

Life Happens! Loan Rates

TermMin. Loan AmountAnnual Percentage RatePayment per $1,000 Borrowed
24 months $1,000 8.24% – 12.24% $45.55 – $47.51
36 months $3,000 8.24% – 11.24% $31.60 – $33.06
48 months $3,000 7.74% – 10.74% $24.40 – $25.88
60 months $5,000 6.24% – 9.24% $19.52 – $20.99
72 months $10,000 6.24% – 9.24% $16.75 – $18.25
84 months $25,000 6.24% – 9.24% $14.78 – $16.30

We also offer secured loans that could give you even lower rates or tax deductible options!