Personal Loans

PERSONAL LOANS

The money you need, the
hassles you don't.

• Rates as low as % APR*
• Check your rate without affecting your credit score!

What's the process?

Select from multiple pre-approved offers

Receive your money in 1-2 business days after verification

Apply Online
CHECK YOUR RATE

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Explore the possibilities

Additional Features and Benefits

No Fees

No Annual Fees:

  • You won't have to pay an annual fee to enjoy all the great features that come with your PenFed card.

No Foreign Transaction Fees: 

  • You won’t be charged extra for using your PenFed card outside of the U.S.

Favorable Fees
Credit card
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2% CASH BACK on all purchases for PenFed Honors Advantage Members

1.5% CASH BACK on all purchases

$100 Bonus Statement Credit when you spend $1,500 in the first 90 days

Annual Fee: $0

Purchase Variable APR: 14.99% to 17.99%

0% PROMO APR on balance transfers for 12 months , after that a non-variable APR of %, 3% fee applies to each transaction. Subject to credit approval.

APPLY NOW

Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

Get a decision in as little as 20 seconds.

Good/Excellent Credit

50,000 Bonus Points when you spend $3000 in the first 90 days

4x

Points on all Travel categories for PenFed Honors Advantage Members

3x

Points on all Travel categories

1.5x

Points on all other purchases

Annual Fee: $95

(waived for existing Honors Advantage Members)

Purchase Variable APR: 14.99% to 17.99%

0% PROMO APR on balance transfers for 12 months , after that a non-variable APR of %, 3% fee applies to each transaction. Subject to credit approval.

APPLY NOW

Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

Get a decision in as little as 20 seconds.

Good/Excellent Credit
Limited time offer
PenFed PenFed, Inc FREE - On Google Play