.
.

Personal Loans

Knowing what you're looking for doesn't always mean knowing how to find it. That's where we can help. Whatever your next big purchase is, we'll help you find a loan that's right for you.

Personal & Vehicle Loans
What Kind of Loan are you looking for?
Personal Loan

Personal Loan

With our low rates, this is an ideal way to consolidate your debt. And best of all, the only collateral you need is your signature.

Features of Personal Loan ▸
Details for Personal Loan ▸
Apply for a Personal Loan

Interest Rate

As low as 9.99% APR*

(based on credit)

Loan Amount

$500-$25,000

Required Collateral

None

Uses

  • Debt Consolidation
  • Immediate Expenses

Features

  • Approved loan amount is based on income and current unsecured debt.
  • Annual Percentage Rate* is determined by evaluation of applicant's credit.
  • Loan can be refinanced at any time.
  • Competitive fixed rates based on credit history.
  • Open to PFCU members age 16 or older. (Members under 18 require a co-applicant.)

* APR = Annual Percentage Rate. Rate reflects all possible discounts. This is the credit union’s best rate. The available terms are subject to change without notice. For each $1,000 borrowed at 9.99% APR over a term of 60 months, pay approximately $20.04 a month. Rate and approved loan amount may vary depending on each borrower’s credit history/eligibility, underwriting criteria and market conditions. Offer of credit is subject to credit approval.

Apply for a Personal Loan
Line of Credit

Line of Credit

Useful for sudden or unexpected expenses. Borrow the cash you need as you go, without having to reapply.

Features of Line of Credit ▸
Details for Line of Credit ▸
Apply for a Line of Credit Loan

Interest Rate

As low as 12.90% APR*

(based on credit)

Loan Amount

Up to $15,000

Required Collateral

None

Uses

  • Cashflow as you need it
  • Unexpected expenses
  • Overdraft protection

Features

  • Annual Percentage Rate* is determined by evaluation of applicant's credit
  • Minimum payment is $20 or 2.94% of the balance, whichever is greater.
  • Open to PFCU members age 16 or older.(Members under 18 require a co-applicant.)

* APR = Annual Percentage Rate. Rate reflects all possible discounts. This is the credit union’s best rate. The available terms are subject to change without notice. Your monthly payment will be 2.94% of your outstanding balance, including principle and unpaid interest, or $20, whichever is greater. We will begin charging interest on the transaction date. Rate and approved loan amount may vary depending on each borrower’s credit history/eligibility, underwriting criteria and market conditions. Offer of credit is subject to credit approval. Maximum loan amount is $15,000. Consult a tax advisor regarding the deductibility of interest.

Apply for a Line of Credit Loan
Credit Builder Loan

Credit Builder Loan

Great for those borrowing for the first time or trying to repair their credit history. Borrow at a low rate with convenient repayment terms.

Features of Credit Builder Loan ▸
Details for Credit Builder Loan ▸
Apply for a Credit Builder Loan

Interest Rate

4.00 % APR*

Loan Amount

$250 - $1000

Required Collateral

None

Uses

  • Building Credit
  • Rebuilding Credit

Features

  • No credit qualifications.
  • The funds are deposited into your savings account or certificate and used as collateral for the loan. They are frozen until the loan is paid off.
  • Maximum loan term is 18 months
  • Credit Builder Loans are not available on IRA certificates, IRA Shares, or Checking accounts.
  • Open to PFCU members age 16 or older (Members under 18 require a co-applicant).
Apply for a Credit Builder Loan
Share Secured Loan

Share Secured Loan

A perfect option for first-time borrowers. Lets you borrow at our usual low rates and easy terms, using your savings as collateral. No credit qualifications required.

Features of Share Secured Loan ▸
Details for Share Secured Loan ▸
Apply for a Shared Secured Loan

Interest Rate

3% above current regular savings rate

Loan Amount

$250 or more

Required Collateral

Savings or certificate equaling the amount of the loan

Uses

  • Building Credit
  • Immediate Expenses

Features

  • If the loan is secured by a certificate, the loan term cannot exceed the certificate’s maturity date.
  • Funds for the loan generally have to have been in your account for 15 days.
  • Share Secured Loans are not available on IRA certificates, IRA Shares, or Checking accounts.
  • Your savings remain intact throughout the term of the loan, and you will continue to receive dividends. As payments are made on the loan, funds are released in the savings account.
  • Open to PFCU members age 18 or older.
Apply for a Shared Secured Loan

Personal Loan Features & Services


Bill Payer

BILL PAYER

Pay your bills, safely, quickly, and reliably for free.
Learn more about Bill Payer ▸

Loan Payment Protection

LOAN PAYMENT PROTECTION

Sleep easy knowing you and your family are secure.
Learn more about Loan Payment Protection ▸

PFCU Member Support

PFCU MEMBER SUPPORT

Click on live chat with any questions or call us directly at 215-934-3500 or 800-832-PFCU.




Security & Privacy

SECURITY & PRIVACY

Our Security Resource Center can help you keep your money and your identity secure. 
Learn more about Security & Privacy ▸

edeposit_450x230_4_20visa-purchase-alerts_450x230_12_19

National Association of Federal Credit Unions 
PFCU is a proud member of the National Association of Federal Credit Unions
National Credit Union Administration 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender 
We do Business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

We provide links to external websites for your convenience. Philadelphia Federal Credit Union does not endorse and is not responsible for their content, links, privacy or securities policies.

Please note that the amount of money contained in your investment accounts are considered non-deposit products and therefore, are not NCUA insured, not credit union guaranteed, may lose value, are not guaranteed by any government agency. Securities, Financial Planning and Insurance products are offered through LPL Financial, and its affiliates, Member FINRA, SIPC. LPL Financial and Philadelphia Federal Credit Union are independent entities.