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  1. Home
  2. Personal Loans
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Already applied for a loan and not a member yet? | Check your status

family on an adventure

The money you need, the hassles you don't

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Rates as low as % APR*

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Check your rate without affecting your credit score!†

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

  • How We Can Help
  • Features
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  • Not a problem, anyone can join. Apply now and we'll create your membership during this application.

How a PenFed Personal Loan Can Help You

Debt Consolidation

Debt Consolidation

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Home Improvement

Home Improvement

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Transportation

Transportation

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Medical & Dental

Medical & Dental

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Life & Events

Life & Events

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Features of a Personal Loan

  • As low as % APR*
  • Terms up to 60 months
  • Loans up to $
  • No early payoff penalty
  • No origination fee
  • No hidden fees

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

What's the process?

Check your rate without affecting your credit score†

Select from multiple pre-approved offers

Receive your money in 1-2 business days after verification

Apply Online
Review loan and E-Sign
Receive your money in the mail

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

What Our Members Say

- Condaisy

“The service was quick and easy. Took the stress out of waiting and also gave many options to choose from.”

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- Walter

“Great rates, customer service and quality products. Moving to PenFed has been the best financial decision for myself and my family.”

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- Mandi

“It was the easiest loan process I have ever had and the rates were very competitive!”

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FAQs

The process is simple, easy, and quick. Please visit our Personal Loans  page to start the process.

Definitely. Every year millions of U.S. consumers use unsecured loans for debt consolidation of high-interest credit. If you’re feeling overwhelmed by multiple debt payments, or you want to lower your monthly payments, you can combine unsecured debts into one lower, fixed-rate loan.

You can apply for up to $50,000 across all personal loan applications with PenFed. 

APRs range from % to %. 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.

Yes. There are no penalties for paying off your loan early.

Still Have Questions?

Featured Articles

Personal Loan Basics: The Basics to Borrowing Money

What to Know Before Taking Out a Personal Loan

Personal Loan vs. Personal Line of Credit: What are the Differences?

See All Articles

Disclosures

Personal Loan rates range from % to % APR.

Rates and offers current as of and are subject to change.

*Your actual APR will be determined at the time of disbursement and will be based on your loan term and creditworthiness, which includes an evaluation of your credit history and the length of your PenFed membership. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Other eligibility requirements may apply.

Loan Payment Example: A $ personal loan financed at % APR would amount to 36 monthly payments of approximately $ each.

†The initial inquiry will be a soft pull that will not affect your credit score. If you choose to initiate a loan application after checking your rates, you will be required to authorize a full credit report inquiry, which would be considered a hard pull and may affect your credit.

Loan amount determines rate and term. All loans are subject to a minimum monthly payment of $50.

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This credit union is federally insured by the National Credit Union Administration. Rates are current as of December 2023 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


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Routing #256078446

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IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party Website that is not a part of Pentagon Federal Credit Union.


The content you are about to view is produced by a third party unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility for the content of the page.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party site. PenFed Realty, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.


For more information about the relationship between PenFed and PenFed Realty, LLC, see the Affiliate Business Arrangement Disclosure.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party Website.


The content you are about to view is produced by a third party website that is unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility for the content of the page.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party site. PenFed Title, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.


For more information about the relationship between PenFed and PenFed Title, LLC, see the Affiliate Business Arrangement Disclosure.


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