Personal Loans


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

  • Rates as low as % APR*
  • 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.

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.

Receive a personal loan offer in the mail?

What's the process?

Select from multiple pre-approved offers

Receive your money in 1-2 business days after verification

Apply Online

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.”

- Walter

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

- Mandi

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


Do I need to become a PenFed member to get my loan?

How much can I apply for?

Do I need to submit collateral for a personal loan?

When will I receive my funds?

Will checking my rate affect my credit score?


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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