• Organize your finances
    in a better way.

    As low as
    9.99% APR* 

    Consolidate credit card or other high interest debt for 36 months under one amazingly low-rate loan.

    Other rates and terms available.

    Apply today. 

    PenFed Bill Consolidation Loans

    We’ve got what you need

    • APR as low as 9.99% for 36 months*
    • No Collateral Required
    • Subject to Credit Approval

    Details & Disclosures

    Rates and offers current as of June 1, 2017 and are subject to change.

    *Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history.

    In order to consolidate an existing PenFed loan, line of credit, or credit card, the current rate must be equal to or greater than the rate on your existing PenFed loan, line of credit, or credit card. Loan amount determines rate and term. All loans are subject to a minimum monthly payment of $50. PenFed does not permit internal refinances of an existing PenFed Bill Consolidation loan.

    Apply Now



    Fixed Interest Rates

    Allow yourself to get debt-free quicker — when you consolidate your debt with a fixed interest rate. You can save on the amount of interest you are charged on your debts each month.

    APR as low as* Term Loan Amount Approx. Loan Pmt. ($15,000 loan)
    9.99% APR
    36 months
    $500 - $25,000 
    9.99% APR
    48 months
    $5,000 - $25,000 
    9.99% APR
    60 months
    $10,000 - $25,000 



    Worry-free Banking

    Fast Approval

    There aren’t very many things more precious than time. If you apply online today, you can have your money as soon as tomorrow, so you can focus on the things that really matter.