PERSONAL LOANS

Start Here.
Do Anything.

Explore PFFCU’s flexible borrowing solutions
for every life goal.

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Put Your Plans Into Action

Competitive interest rates

Competitive interest rates

No collateral required

No collateral required

0.5% discount with automatic payments4

0.5% discount with automatic payments4

Easy applications and fast decisions

Easy applications and fast decisions

Trusted personal lender since 1938

Trusted personal lender since 1938

Compare Your Options

Overview

With this revolving line of credit, you’ll only pay interest on what you borrow.

  • Borrow up to $10,000 at a competitive variable rate
  • Withdraw funds as needed through Online/Mobile Banking, at ATMs, and at a Branch
  • Use your PLOC as free overdraft protection for your Free PFFCU Checking Account5

Use a PLOC for the planned and unexpected. Loan decisions and terms are based on factors like your credit score and debt-to-income ratio.

FAQs

Get Started Today

It’s easy to apply online or at a Branch. You’ll get a decision within one hour and access to funds within
24 hours.6

Apply Now

Rates are effective as of December 14, 2024 and are subject to change.
Monthly payment is 2.25% of the line amount with a minimum of $25.

APRHow the Variable APR Is CalculatedMinimum Rate
Personal Line of Credit1 212.65%Prime + 4.9%8.9%
16.65%Prime + 8.9%12.9%
18.00%Prime + 12.9%17.9%

Overview

Lock in a competitive fixed rate, get a lump sum upfront, and use it for anything.

  • Borrow up to $30,000
  • Terms up to 72 months available
  • Fixed rates for the term of your loan

This versatile borrowing option is great for paying for major expenses, consolidating higher-interest debt, and more. Loan decisions and terms are based on factors like your credit score and debt-to-income ratio.

FAQs

Get Started Today

It’s easy to apply online or at a Branch. You’ll get a decision within one hour and access to funds within
24 hours.6

Apply Now

Rates are effective as of December 14, 2024 and are subject to change.

APRMonthly Payment
60-Month Term
Monthly Payment
72-Month Term
Signature Loan1 2 312.75%$22.63$19.94
12.90%$22.70$20.02
15.90%$24.26$21.64
18.00%$25.39$22.81

Compare Your Options

Overview

With this revolving line of credit, you’ll only pay interest on what you borrow.

  • Borrow up to $10,000 at a competitive variable rate
  • Withdraw funds as needed through Online/Mobile Banking, at ATMs, and at a Branch
  • Use your PLOC as free overdraft protection for your Free PFFCU Checking Account5

Use a PLOC for the planned and unexpected. Loan decisions and terms are based on factors like your credit score and debt-to-income ratio.

FAQs

Rates are effective as of December 14, 2024 and are subject to change.
Monthly payment is 2.25% of the line amount with a minimum of $25.

Personal Line of Credit1 2
APR12.65%
How the Variable APR Is CalculatedPrime + 4.9%
Minimum Rate8.9%
APR16.65%
How the Variable APR Is CalculatedPrime + 8.9%
Minimum Rate12.9%
APR18.00%
How the Variable APR Is CalculatedPrime + 12.9%
Minimum Rate17.9%

Get Started Today

It’s easy to apply online or at a Branch. You’ll get a decision within one hour and access to funds within
24 hours.6

Apply Now

Overview

Lock in a competitive fixed rate, get a lump sum upfront, and use it for anything.

  • Borrow up to $30,000
  • Terms up to 72 months available
  • Fixed rates for the term of your loan

This versatile borrowing option is great for paying for major expenses, consolidating higher-interest debt, and more. Loan decisions and terms are based on factors like your credit score and debt-to-income ratio.

FAQs

Rates are effective as of December 14, 2024 and are subject to change.

Signature Loan1 2 3
APR12.75%
Monthly Payment
60-Month Term
$22.63
Monthly Payment
72-Month Term
$19.94
APR12.90%
Monthly Payment
60-Month Term
$22.70
Monthly Payment
72-Month Term
$20.02
APR15.90%
Monthly Payment
60-Month Term
$24.26
Monthly Payment
72-Month Term
$21.64
APR18.00%
Monthly Payment
60-Month Term
$25.39
Monthly Payment
72-Month Term
$22.81

Get Started Today

It’s easy to apply online or at a Branch. You’ll get a decision within one hour and access to funds within
24 hours.6

Apply Now

Rates are effective as of December 14, 2024 and are subject to change.

How Much Would Your Monthly Payments Be?

 
Protection When You <br class='d-none d-xl-block'>Need It Most Protection When You <br class='d-none d-xl-block'>Need It Most

PAYMENT PROTECTION

Protection When You
Need It Most

PFFCU’s Payment Protection is a low-cost, optional feature for your Personal Line of Credit or Signature Loan that can safeguard you, your family, and your credit if the unexpected happens. It can cancel your loan payments, up to the agreement maximum, if you become sick or injured. It can also cancel your loan balance, up to the agreement maximum, in the event of loss of life. Call us at 215.931.0300 for more information on terms and eligibility.

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Ask about our 9-month intro rate
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More Financial Solutions

You name it. We’ll help you do it. PFFCU offers a full suite of personal banking and lending products.

Disclosures
APR = Annual Percentage Rate
  1. Personal Line of Credit and Signature Loan include 0.50% discount with automatic payment from an active PFFCU Checking Account (S0004) or Savings Account (S0001) or distribution from a payroll check automatically deposited with PFFCU and is SUBJECT TO CHANGE WITHOUT NOTICE. The current prime rate is 7.75%, as of 11/18/2024.
  2. Your rate will depend on your credit score at the time of application.
  3. All payments quoted per $1,000 borrowed. Terms are based on 60 months unless otherwise noted. The 72 month Signature Loan has a $10,000 minimum loan requirement. To get a monthly payment for a specific borrowed amount, multiply the per $1,000 payment factor by the number of thousand dollars borrowed. For example: If you borrow $10,000, multiply 10 by the monthly figure noted next to the specified loan product.
  4. 0.50% rate discount with automatic payment from an active PFFCU Checking Account (S0004) or Savings Account (S0001) or distribution from a payroll check automatically deposited with PFFCU and is SUBJECT TO CHANGE WITHOUT NOTICE.
  5. If you would like to use your Personal Line of Credit for Overdraft Protection, you may request it when you apply for your PLOC or contact us at any time to do so.
  6. One-hour loan decisions during branch hours and next-day loan decisions after branch hours are contingent upon receipt of all required application information. Access to loan funds in 24 hours or less may be contingent upon certain requested items needing to be provided.