We know that life is full of unexpected surprises and we're here to help you be prepared for whatever surprise may come your way. With rates starting as low as 5.90% APR 1 , you can be prepared with an Unsecured Personal Loan from Pen Air. A fixed monthly payment and short repayment plan will have your reaching your dreams sooner! Apply online, through our Mobile Banking App or at any location.

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.

Personal Loan

A Pen Air personal loan is perfect for unexpected purchases. This short term loan is approved for a set amount; the payment and terms are then scheduled for repayment. A personal loan can be used for anything from home improvements, emergency travel, appliance upgrades, and more.


1 APR = Annual Percentage Rate. Rates as low as 5.90% APR. All loans are subject to credit approval. No application fee or prepayment penalty. Maximum loan amount is $40,000. 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. Additional terms, conditions and restrictions may apply. Rates are subject to change without notice. Rates not applicable for existing Pen Air Loans.

Debt Consolidation

If you are having trouble managing multiple bills with high interest rates, become more financially fit. Let us help you simplify your life by consolidating your bills into one monthly payment, making your budgeting easier. Consider a debt consolidation loan from Pen Air.

Loan Type Approx. Term APR*
up to 60 mos 5.90% to 18%
Line of Credit
up to 60 mos 14.9%

Rates are effective as of May 15, 2019

Approximate term = The term we use when calculating payments for the Credit Union's loan products.

*APR = Annual Percentage Rate. Rates are based on the evaluation of an applicant's credit and may vary.

Additional terms, conditions and restrictions may apply. Rates are subject to change without notice.

All loans are subject to credit approval.

Personal Loans - couple sitting on the floor of their home, next to a ladder, looking at a color swatch

Personal Financing