PenFed Credit Union Personal Loan

Personal loans up to $50,000 with APR as low as 6.09% with autopay. Military-rooted credit union open to all Americans. Terms up to 60 months, no prepayment penalties.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ APR as low as 6.09% with autopay — among the lowest available ✓ Loans up to $50,000 ✓ No prepayment penalties
Representative APR Amount Term Type
6.09% — — personal_loan
Best For

Military members and veterans seeking some of the lowest personal loan APRs available, though open to all Americans.

Pros & Cons

Pros
  1. ✓ APR as low as 6.09% with autopay — among the lowest available
  2. ✓ Loans up to $50,000
  3. ✓ No prepayment penalties
  4. ✓ Rate check does not affect credit score
  5. ✓ Over 90 years serving military and defense communities
  6. ✓ Open to all Americans, not just military
Cons
  1. ✗ Best rates require autopay enrollment
  2. ✗ Maximum of $50,000 may be limiting for larger needs
  3. ✗ Military-affiliated roots but now open to everyone
  4. ✗ Terms capped at 60 months

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