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Pen Air has the borrowing solution you need.

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Personal Loans

Let your holidays shine brighter with a personal loan with rates as low as 5.90%

A Pen Air personal loan is a great option to give you the personalized solutions and flexibility you need.  We get that sometimes you need a little extra wiggle room for whatever it is that you’re dreaming about. We make it easy!

Already a member? 

 Want to become a member and apply for a personal loan? It’s easy!

Our competitive rates and a fixed monthly repayment plan will have you reaching your dreams sooner! This short-term loan is approved for a set amount; the payment and terms are then scheduled for repayment.

What you should know:

  • Debt consolidation, medical expenses or emergencies
  • Vacation, home improvements, a pool, appliance upgrades or college expenses
  • No collateral required for approval
  • Competitive rates starting as low as 5.90%  APR1
  • Loans from $500 to $25,0002
  • Terms range from 1 to 5 years3
  • Quick funding
  • No prepayment penalities4. Pay early and save on interest
  • No origination fees
Loan TypeApprox. TermAPR*
Personalup to 60 mos5.90% to 18%

Line of Credit

A Pen Air line of credit is a set loan amount that is extended to you as an unsecured loan. As each purchase or advance is made by you, the amount is debited from your approved line of credit amount. As payments are made, including the interest on the advanced amount, those funds become available to you again.

What you should know:

  • Emergency uses
  • Quick access to funds
  • Fixed rate
  • No origination fees
Loan TypeApprox. TermAPR*
Line of Creditup to 60 mos14.9%

Personal Loan Disclosures
Rates are effective as of November 6, 2019
©️ 2019 Pen Air Federal Credit Union. NMLS#413053. 1 APR = Annual Percentage Rate. Rates as low as 5.90% APR. No application fee or prepayment penalty. Maximum loan amount is $25,000. A $5,000 personal loan for 5 years at 8.90% APR will have a monthly payment of $103.56. All rates are based on an evaluation of credit history, so your rate may differ. 2 Interest will still accrue with the NO Payment for 90 Days offer. Additional terms, conditions and restrictions may apply. Rates are subject to change without notice. Rates not applicable for existing Pen Air Loans. Call toll-free 1.877.4PENAIR for complete details.
Personal Line of Credit Disclosures
The APR is the Credit Union’s Standard Rate. The rate is fixed. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.