PERSONAL LOANS & LINES OF CREDIT

Let's get a little personal.

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Great Rates Ahead!

We make it easy to get pre-approved for the loan you’re looking for.

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A custom fit loan that can cover almost any expense

When you need a loan or line of credit that is not a one-size-fits-all solution, PenAir offers a variety of options that will help you reach whatever goal you’re working toward.

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Personal Loans

A Personal Loan will help you purchase that big ticket item that you’ve had your eye on with a set, monthly payment and term limit – all with a great low rate. Don’t wait for a pre-approved personal loan offer to come in the mail and apply online today instead.

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Personal Line of Credit

Buy what you need, up to your credit limit, and pay interest only on the amount that you borrow. Lines of Credit are a good option when you want access to funds at any time.

Get personalized solutions and the flexibility you need

  • Best for

    Best for

  • Approx. Term

    Approx. Term

  • Rate

    Rate

  • Funding Options

    Funding Options

  • Annual Fees

    Annual Fees

Loan

  • Best for

    When you need a loan for a fixed amount, provided in a lump sum at a fixed rate.

  • Approx. Term

    Up to 60 mos

  • Rate

    Fixed, monthly repayment plan

  • Funding Options

    Single Lump Sum

  • Annual Fees

    No Annual Fees

Line of Credit

  • Best for

    When you want ongoing access to funds that can be used and re-use as needed.

  • Approx. Term

    60 mos

  • Rate

    Fixed Rate

  • Funding Options

    Digital Banking transfer, by check or in-person at any PenAir location

  • Annual Fees

    No Annual Fees

Go after your dreams

Apply Today

Great Rates Ahead!

We make it easy to get pre-approved for the loan you’re looking for.

Not Yet a Member?

Get Started Online

How will you use your funds?

We mean it when we say Personal Loans & Lines of Credit can cover almost any expense.

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Debt consolidation

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Medical expenses

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Emergency repairs

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Home improvements

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Pools

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College expenses

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Weddings

Personal Loan

Term up to

APR* as low as

Rates are effective as of October 2, 2023

*APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change and vary based on creditworthiness, qualifications, and amount of the loan. All loans are subject to approval. Rates as low as 7.90% APR. Interest will still accrue with the NO payment for 90 days offer. Loans range from a minimum of $500 to a maximum loan amount of $25,000. A $5,000 personal loan for 5 years at 9.90% APR will have a monthly payment of $106.04. Term of up to 60 months.

Term up to

60 months

APR* as low as

7.90%*

Personal Line of Credit

Loan Type

Approx. Term

APR*

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.

Loan Type

Personal Line of Credit

Approx. Term

up to 60 months

APR*

14.9%

Benefits of financing with PenAir

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No collateral required for approval

Your rate is simply based on credit history and loan term.

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Competitive rates

Not-for-profit means that we can give back to you by way of lower interest rates.

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Loans from $500 to $25,000

Whether your borrowing needs are big or small, we’ve got you covered.

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Flexible Term Range

Keep your monthly payment low with flexible terms.

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Quick funding

We won’t keep you waiting on access to your funds.

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No application fee or prepayment penalty

You have the choice to pay early and save on interest.

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No origination fees

Because we like to keep things fee-free around here.

Need a little more information?

Maybe you’ll find what you’re looking for here.

A Personal Loan gives you a sum of money upfront and requires fixed monthly payments throughout your loan term. A Personal Line of Credit, on the other hand, lets you withdraw as much cash as you need at any point in time and pay it back on your own timeline with a variable interest rate.

Unlike a Personal Loan and other financing options where you receive a lump sum of money upfront, a Personal Line of Credit lets you withdraw funds as much — or as little — as you’d like. This means you won’t have to pay interest on any money you didn’t borrow. Our personal line of credit is a fixed rate.

Though Personal Lines of Credit offer some flexibility, there are some guidelines:

  • Loan amounts: The maximum amount offered depends on the lender, but Lines of Credit typically run between $1,000 and $25,000.

You can apply online, in a branch, or call our MSC.

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Great Rates Ahead!

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