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 6.09%
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Personal

PenFed Credit Union Personal Loan

PenFed Credit Union
APR 6.09%
Loan Amount —
Term —
Decision Time —

Our Verdict

Exceptional APRs from a military-rooted credit union — open to everyone but especially compelling for veterans.

Pros

  • APR as low as 6.09% with autopay — among the lowest available
  • Loans up to $50,000
  • No prepayment penalties
  • Rate check does not affect credit score
  • Over 90 years serving military and defense communities
  • Open to all Americans, not just military

Cons

  • Best rates require autopay enrollment
  • Maximum of $50,000 may be limiting for larger needs
  • Military-affiliated roots but now open to everyone
  • Terms capped at 60 months

Best For

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

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.

Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.

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You'll be redirected to penfed.org

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