PenFed Personal Loan
What PenFed Credit Union publishes: "Rates as low as 6.09% APR with autopay | PenFed offers APRs ranging from 6.09% to 17.99%. Your actual APR will be determined at the time of disbursement... | AutoPay discount of .25% is only available prior to loan funding. Rates without AutoPay are 0.25% points higher. Excellent credit required for lowest rate."
6.09% floor includes 0.25% AutoPay discount; without autopay floor is 6.34%. Range 6.09% to 17.99% verified in FAQ 'What rates do you offer?'. Rates current as of September 2026.
Representative example from the lender: A $[Personal Loan Payment Example Amount] personal loan financed at [Personal Loan T1 Rate Range Low]% APR would amount to 24 monthly payments of approximately $[Personal Loan Payment 24] each (numbers are unrendered tokens)
The rate you are offered is set by PenFed Credit Union after you apply on its site. It depends on your credit history, income, loan amount and term, and may be higher than the lowest rate shown here.
| Loan amount | up to $50,000 |
| Term | up to 60 months |
| Rate type | fixed |
| Funding speed | Receive your money as soon as the next day! |
| Origination fee | None: 'No origination fee, no early payoff fee, no balance transfer fee' |
| Prepayment penalty | No |
| Late fee | If you do not make your monthly installment payment on time, you may incur late payment fees (amount not stated) |
| Minimum credit score | Not disclosed |
| States | Not stated |
| Membership | Required, see the lender's eligibility rules |
- Origination fee None: 'No origination fee, no early payoff fee, no balance transfer fee'
- Funding: Receive your money as soon as the next day!
- Borrow up to $50,000
- No prepayment penalty
- Credit union membership required
| Legal name | Pentagon Federal Credit Union |
| Type | Credit union |
| Website | https://www.penfed.org |
Other PenFed Credit Union offers on Banrox: PenFed Auto Loan (new, used, refinance, car buying service), PenFed Home Equity Line of Credit (HELOC).
| Rates as of | Sep 04, 2026 |
| Lender rate page | Open |
Every number on this page is copied from PenFed Credit Union's public website on the date above. Banrox does not set, estimate or adjust lender rates.
Third-party lenders
Loan offers are provided by third-party lenders. Banrox is a technology company and is not a lender. Banrox does not take loan applications, make credit decisions or fund loans.
Compensation
Banrox may receive compensation from some lenders when you click or apply through links on this page. Compensation does not affect the rates shown, which are taken from each lender's public website as of the date displayed.
Rates and estimates
Rates, amounts, terms and fees are shown as published on the lender's website on the date marked above and may change without notice. The payment estimate uses the lowest APR the lender publishes and excludes origination and other fees; the lender's own disclosure governs. Nothing on this page is an offer, a rate quote or a commitment to lend.
