Pentagon Federal Credit Union
Log In Accounts
Search
  • Routing # 256078446
  • Partners
  • Member Discounts
  • Wealth
  • Foundation
  • ATMs & Branches
  • About
  • Search
  • Checking & Savings
    • Checking
      • Free Checking
      • Access America Checking
      • All Checking Accounts
    • Savings
      • Premium Online Savings
      • Regular Savings
      • All Savings Accounts
    • Certificates
      • Money Market Certificate
      • Coverdell Education Certificate
      • All Certificates
    • IRAs
      • IRA Certificate
      • IRA Savings Account
      • All IRAs
    • How Can We Help?
      • Contact Us
      • FAQs
      • Forms
    • Special
      • Access America Checking - Earn more and Get paid early.
  • Credit Cards
    • Our Cards
      • Credit Cards Overview
    • How Can We Help?
      • Contact Us
      • Disclosures
      • Resource Center
    • Special
      • Choose the perfect card - Open Now
  • Auto
    • Auto Loans
      • Purchase
      • Refinance
      • Car Buying Service
    • Protection
      • Vehicle Protection
      • GAP Coverage
      • Debt Protection
    • How Can We Help?
      • Contact Us
      • FAQs
      • Forms
    • Special
      • Score up to $350 on your auto loan
  • Mortgage & Home Equity
    • Home
      • Mortgage Home
    • Purchase
      • Apply for a Mortgage
      • PenFed Homes
      • First Time Homebuyer
      • Mortgage Pre-approval
    • HELOC & Refi
      • HELOC
      • Mortgage Refi
    • Loan Types
      • Conventional Loan
      • FHA Loan
      • VA Loan
      • Jumbo Loan
      • VA Refi Loan
    • Tools & Resources
      • Knowledge Center
      • Mortgage Media
      • Mortgage Calculators
      • Contact
    • Special
      • Spring Mortgage savings event!
  • Loans
    • Personal Loans
      • Overview
      • Debt Consolidation
      • Credit Card Consolidation
      • Home Improvement
      • Additional Uses
    • Student Loans
      • Student Loans
    • How Can We Help?
      • Contact Us
      • FAQs
      • Forms
    • Special
      • Personal Loans made easy online
  • Learn
    • Learning Hub
      • Learning Center
      • Mortgage Knowledge Center
      • Financial Assistance Center
      • Natural Disaster Relief Assistance
    • About PenFed
      • About
      • New Members
      • Sponsors
      • FAQs
      • Forms
    • Security & Fraud
      • Security Center
    • How Can We Help?
      • Careers
      • Contact Us
    • Special
      • Learn how we protect your data
  • Join Now
  • Log In
  • Accounts
  • Resources
  1. Home
  2. Personal Loans
  3. Additional Personal Loans
woman talking on phone while holding a tab in hand and smiling

Life's big moments don't wait

Weddings, vacations, family planning — we've got you covered with a PenFed Personal Loan.

Personal Loan Mailbox icon

Money when you need it

Check your Personal Loan rate

Already a member?

Sign in for a faster experience; we'll automatically fill in part of the application.

Log In

Not yet a member?

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

Check Your Rate

Won’t affect your credit score¹

Benefits
Family
Wedding
Travel
Medical
Loan Process
FAQs
Articles

BENEFITS

Get peace of mind with PenFed

Turn a large purchase into convenient, monthly payments. Get the money you need, without the hassles you don’t.

Flexible loan options up to $50,000

Choose from terms up to 5 years

money bag icon

Save on interest

Simplify your life with a rate as low as % APR*

bar chart decreasing icon

Say goodbye to fees and penalties

No origination fee, no early payoff penalties, no balance transfer fee**

no penalty icon

FAMILY PLANNING LOAN

We’re excited to help you grow your family!

A new child is one of life’s greatest gifts. With a family planning loan from PenFed, we’ll help you cover a variety of financial expenses so you can focus on what’s most important.

infant's bedroom
couple viewing a pregnancy test
a women meditating
a pregnant women practicing stress control
couples are smiling

Adoption

A PenFed Personal Loan for family planning offers manageable payments for domestic or international adoption — whether private or through foster care.

couple viewing a pregnancy test

In Vitro Fertilization (IVF)

You can use your loan to cover the entire IFV process, including preparation, retrieval, genetic testing, implantation, and egg or embryo storage.

a women meditating

Surrogacy & Egg Freezing

Your loan can help you with the costs of agency fees, surrogate expenses, legal fees, retrieval and storage expenses, and medical treatments.

a pregnant women practicing stress control

Pregnancy

Fund expected and unexpected costs — when you’re expecting. Use a PenFed Personal Loan to cover prenatal, medical, unpaid leave, and other support costs.

Personal Loan Mailbox icon

Money when you need it

Check your Personal Loan rate

Already a member?

Sign in for a faster experience; we'll automatically fill in part of the application.

Log In

Not yet a member?

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

Check Your Rate

Won’t affect your credit score1

WEDDING LOAN

Let us hold your hand down the aisle

Finance all of the fine details — from your engagement photos to your honeymoon.

newly wed couple dancing
newly wed couple kissing
wedding gate at the beach front
newly wed couple dancing

Engagement

Checkmark Icon

Engagement photos

Checkmark Icon

Engagement rings

Checkmark Icon

Engagement and rehearsal dinners

newly wed couple kissing

Ceremony

Checkmark Icon

Wedding rings

Checkmark Icon

Attire

Checkmark Icon

Wedding photos

Checkmark Icon

Music

Checkmark Icon

Food

Checkmark Icon

Flowers

wedding gate at the beach front

Travel

Checkmark Icon

Destination wedding

Checkmark Icon

Relatives' travel

Checkmark Icon

Honeymoon

Personal Loan Mailbox icon

Money when you need it

Check your Personal Loan rate

Already a member?

Sign in for a faster experience; we'll automatically fill in part of the application.

Log In

Not yet a member?

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

Check Your Rate

Won’t affect your credit score1

TRAVEL LOAN

Your next adventure awaits

Create lasting memories — not lasting debt — with a PenFed Personal Loan for travel.

Ocean front by a village
plane ticket icon

Family & Friends

Checkmark Icon

Ocean and riverboat cruises

Checkmark Icon

City and regional tours

Checkmark Icon

Cultural destinations

Checkmark Icon

Volunteer excursions

hot ballon icon

Recreational

Checkmark Icon

Photographic safaris

Checkmark Icon

Cycling or walking tours

Checkmark Icon

Kayaking voyages

Checkmark Icon

Rafting trips

Checkmark Icon

Mountain climbing

Checkmark Icon

Sailing and watersports

Checkmark Icon

Backpacking excursions

Ocean front by a village
airline ticket icon

Friends & Family

Checkmark Icon

No origination fee

Checkmark Icon

No early payoff fee

Checkmark Icon

City and regional tours

Checkmark Icon

Volunteer excursions

hot balloon icon

Recreational

Checkmark Icon

Photographic safaris

Checkmark Icon

Cycling or walking tours

Checkmark Icon

Kayaking voyages

Checkmark Icon

Rafting trips

Checkmark Icon

Mountain climbing

Checkmark Icon

Sailing and watersports

Checkmark Icon

Backpacking excursions

MEDICAL LOAN

A path to a healthier you

Whatever your medical needs may be, PenFed is here to help you manage them.

a girl giving her doctor a high five
women getting a hair wash
a girl giving her doctor a high five

Planned medical procedures

Checkmark Icon

Orthodontics and dental care

Checkmark Icon

Vision care

Checkmark Icon

Elective surgery

Checkmark Icon

Post-operative care and equipment

Checkmark Icon

Medical and mobility devices

women getting a hair wash

Cosmetic procedures

Checkmark Icon

Cosmetic surgery

Checkmark Icon

Minimally invasive treatments

Personal Loan Mailbox icon

Money when you need it

Check your Personal Loan rate

Already a member?

Sign in for a faster experience; we'll automatically fill in part of the application.

Log In

Not yet a member?

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

Check Your Rate

Won’t affect your credit score1

Enjoy an easy loan process

Fast funding for your dream trip, joyous wedding, future family, and major expenses¹.

Check your rate

Get pre-qualified in just a few minutes with no impact to your credit score¹.

desktop icon

Choose your offer

Select flexible loan terms that work for you.

document find icon

Finalize your loan

E-sign your loan documents.

document and pen icon

Get funded

Receive your money as soon as the next day!

double dollars icon

FAQs

Because a personal loan has a fixed rate, using a personal loan for large purchases usually makes more sense than using a credit card, which has a variable rate. An exception might be if you have a card with a low introductory interest rate that is lower than the personal loan rate. In that case, using your credit card might be better.
 

Additionally, credit card payments can vary from month to month, making it hard to save money and pay off your debt. Personal loans have fixed monthly payments, which means there will be no surprises on how much you owe each month.

To decide whether to use a medical loan or a payment plan or financing through your provider, compare the interest rate offered in both situations. Also see if the provider will charge any fees for the payment plan, and how long you would have to pay off the cost of the treatment. Then determine which option will be the lowest-cost option and has a payment amount you can manage.

If you're a student at an accredited institution, it might be better to consider a student loan. That's because you're generally not required to pay back your student loan — and you can often defer interest accrual — until after your academic program has completed.
 

A travel loan can be good for expenses that a student loan might not cover — such as flight tickets or expenses at your destination should you decide to depart early to get acclimated before your classes begin or extend your stay past your program's end date.

Yes. You can use your loan to fund recent, current, or future family planning needs.

If you've already charged some expenses using credit, you may want to use a credit card consolidation loan. However, if you still need more funds to make your dream wedding come true, you could use one personal loan for both your current debt and future expenses.

Learn more about personal loans

personal loan for wedding

How to Use a Personal Loan for Your Wedding

A smiling baby

How to Use a Personal Loan to Build a Family

older couple decided to cosign

Differences Between a Co-Borrower vs. Cosigner

See All Articles

Disclosures

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

1The 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.

*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.

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

**There is no balance transfer fee, no early payoff fee, and no origination fee. There are no “hidden” fees such as home appraisal, closing, or title search fees that you might incur in other borrowing situations. If you do not make your monthly installment payment on time, you may incur late payment fees.

  • ATMs & Branches
  • Careers
  • Foundation
  • Contact Us
  • Security Center

This credit union is federally insured by the National Credit Union Administration. Rates are current as of May 2025 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


  • facebook
  • twitter
  • linkedin
  • youtube
  • instagram
Download the PenFed app on Apple Store Download the PenFed app on Google Play
Read More about Equal Housing
Routing #256078446

©2025 Pentagon Federal Credit Union

Privacy
Disclosures
Fees
Rates
Forms
Site Map

Head’s Up!

You are about to visit a third-party site not affiliated with PenFed.org.

penfedcu.sparrowfi.com sparrowfi.com penfed and traveller logo penfed and seguros logo penfed and national car logo penfed and trustage logo PenFed and CampusDoor logo PenFed and Ascent logo PenFed and Ascent logo penfed and househappy logo penfed and benefit services logo penfed and chubb logo penfed and alpha logo penfed and crutchfield logo penfed and ftd logo

This content is from a third-party website. PenFed Credit Union is not responsible for its information.

Continue

Get Started

×

LOGIN

JOIN