Personal Loans

Take Control Of Your Finances And Get The Cash You Need With A Personal Loan.

Whether you need a small personal loan, or you’re working to improve bad credit, PFCU offers low rates and fast approval. A PFCU personal loan allows you to borrow the money you need to pay off debt or finance a necessity with only your signature as collateral.

The amount you can borrow depends on your income, current unsecured debt, and other underwriting criteria, while the interest rate depends on your credit rating.**

You can pay off your personal loan using convenient payroll deduction or automatic monthly transfers from your Savings or Checking Account.

** Please note that the offer of credit is subject to credit approval. If you are worried about your credit score affecting your application, you may want to learn about our Share Secured Loan or Credit Builder Loan.

PFCU Personal Loan Snapshot

Open to

PFCU members age 16+ * Members under 18 require a co-applicant

Interest Rate

As low as 9.99% APR* (based on credit)

Loan Amount

$500 - $25,000


  • No required collateral
  • Convenient payroll deduction or automatic monthly transfers available
  • Pay off anytime – no prepayment penalty
  • Able to be refinanced at any time
  • Affordable monthly payments



Up to 60 months

Benefits of choosing a personal loan from PFCU

  • Loan amounts to fit your needs
  • Competitive fixed rates based on credit history
  • Affordable monthly payments
  • Convenient payment options like payroll deduction or automatic monthly transfers
  • Refinance at any time
Apply or Continue Application
for Personal Loan


* 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 $21.01 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.

Refer your Friends
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.