PHONE: 215-934-3500 or 800-832-PFCU

ABA Routing # 236084298

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?
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 Share 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


  • Building Credit
  • Immediate Expenses


  • 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.
  • Open to PFCU members age 18 or older.
Apply for a Shared Secured Loan
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 7.50% APR*

(based on credit)

Loan Amount


Required Collateral



  • Debt Consolidation
  • Immediate Expenses


  • 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.
  • 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. Offer excludes all loans already financed at PFCU. For each $1,000 borrowed at 7.50% 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. Offer expires January 31, 2022.

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 13.40% APR*

(based on credit)

Loan Amount

Up to $15,000

Required Collateral



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


  • 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. Rates as low as 13.40%. For each $10,000 borrowed over a term of 48 months, pay approximately $270.26 per month. This is the Credit Union's best rate. Rates may vary depending on each borrower's credit history and underwriting factors. All rates are subject to change without notice.

Apply for a Line of Credit Loan

Personal Loan Features & Services

Bill Payer


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

Loan Payment Protection


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

PFCU Member Support


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

Security & Privacy


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


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.
Excess Share Insurance Corporation 
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.
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. Since they are not a deposit of the Philadelphia Federal Credit Union, investment accounts do not qualify for Excess Share Insurance (ESI). 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.