Personal Loans & Lines of Credit
Access to money when you need it.
Affordable & Accessible Personal Loans
Are you looking to make a big purchase? Consolidate debt? Or fund a long-awaited vacation? We can help you get the funds you need to achieve your goals.
Signature Loan
A Personal or Signature Loan is ideal when you do not have any collateral that you want to pledge as security for your loan. You simply provide your signature as a promise to repay. A Personal Loan offers you the money you need with a comfortable, fixed rate for a variety of purposes, from bill consolidation to unexpected expenses, a special vacation, and more!
Express Signature Loan
If you need funds to stretch your budget and want quick convenience, the Express Signature Loan* offers what you need! When you need some money and need it fast, this a quick and easy way to get a $1,000 or $1,500 loan for 12 months.
Personal Line of Credit
A Personal Line of Credit from Patriot Federal Credit Union gives you the flexibility to borrow what you need, up to your approved credit limit. Unlike a traditional loan, it’s a revolving credit line—allowing you to access funds repeatedly as you repay.
Personal Loan Rates
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Term |
APR1(as low as) |
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1Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. Rates apply to new loans to Patriot. Example: $7,500 loan, monthly payment will be $249.07 for 36 months at 11.99%. Other rates and terms available. Rates may change without notice. All loans subject to credit approval. |
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Term Flexible terms available |
APR1(as low as) 11.99% |
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Term |
Loan Amount |
APR1 (as low as) |
Estimated Monthly Payment |
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1Annual Percentage Rate (APR) $1000 minimum loan amount. $20.00 processing fee. Interest rate is 13.50%. Example: $1,000 loan with a 17.37% APR would have a monthly payment of $89.55. Rates may change without notice. All loans subject to credit approval. |
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Term 12 months |
Loan Amount $1,000 |
APR1 (as low as) 17.37% |
Estimated Monthly Payment $89.55 |
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APR1(as low as) |
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Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. This is a variable rate loan product and your payment and rate are subject to change. Rate based on the Wall Street Journal Prime Rate which was 7.75% as of 11/08/2024. Maximum 18% APR. Late payment fee of $35.00 or 5% of the minimum payment may apply. Rates and terms may change without notice. All loans subject to credit approval. |
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APR1(as low as) Prime + 3.00% |
Empower Your Dreams with Our Personal Loans
We understand that life’s opportunities often require financial support. Our personal loans are designed to provide you with the flexibility and resources you need for everything from home improvements to debt consolidation. With competitive rates, you can choose a plan that fits your budget and goals. Take the first step towards realizing your dreams and explore our application process today!
— Sabrina M., ChambersburgShe treated me with respect, informative about the process of the loan. Kept in contact about everything. I’m very appreciative of having this chance to get my credit score up. That’s all I’ve wanted is a chance to better myself. Thank you so much for this opportunity.
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Disclosures
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*To qualify for an Express Signature Loan, you must be a primary member, 18 years or older, in good standing for at least one year, and be eligible for Overdraft Protection. Applicant must also have a recurring direct deposit, no less frequency than monthly, for a minimum of $500. You must have a checking account open for at least 3 months. There will be a mandatory $20 application fee payable at the time of loan disbursement. The fee cannot be added on to the loan. Interest rate is 13.50% effective 07/01/24. Monthly payment on a $1,000 loan for a period of 12 months is $89.55 with a 17.37% APR (APR = Annual Percentage Rate). Subject to approval. Other conditions and restrictions apply. All terms subject to change without notice.
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This credit union is federally insured by the National Credit Union Administration.