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Personal Loans

More options than a Plate Lunch: a loan for literally anything

Personal Loan
  • Overview

    Your loan, your way

     

    Our personal loans come with endless options, both in what you can purchase, and how they work. We have a huge variety of loan lengths, and can cover everything from late taxes to shiny new smartphones. No matter what your dream or problem, we want to help you along the way.

     

    • Terms up to 7 years
    • Loans up to $30,000
    • Competitive rates

     


     

    More Personal Loan Products:

     

     

    PARTIALLY SECURED PERSONAL LOAN

    This loan is secured by your auto and can be used like a traditional personal loan.

     

    50/50 LOAN

    This is a personal loan where half of the loan is secured by the available shares on deposit with PHFCU. Maximum loan amount: $10,000. Loan terms range between 1 and 3 years.

     

    SHARE SECURED LOAN

    This is a 5-year low rate balloon payment loan that is fully secured by the available shares on deposit with PHFCU. Up to 10 years amortization. In addition, PHFCU offers fully amortized share secured loans for up to 5 years.

     

     

    OVERDRAFT LINE-OF-CREDIT

    This line-of-credit is linked to a PHFCU checking account, providing overdraft protection by advancing funds in increments of $100. Credit limits range from $300 up to a maximum of $5,000. The Borrower(s) of this line of credit must also be the owners of the PHFCU checking that it will be linked to.

     

    SAVINGS CERTIFICATE SECURED

    Use the money you have deposited in your PHFCU Savings Certificate as collateral. Up to 90% of the available savings certificate shares may be borrowed. Flexible repayment terms are available. Loan maturity coincides with the certificate’s maturity.

     

     

    The staff is always super helpful,and they’ve worked hard to make sure I get approved for the loan I need.

    – Jose

     

    Get an answer fast

    Our applications are quick and stress-free. Give us a little info about yourself, and we’ll get back to you right away.

  • Rates & Calculator

    Personal

    Terms APR* Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    1 Year 3.50% 12 monthly payment of $84.91
    2 Year4.50% 23 monthly payments of $43.42 + 1 of $43.34
    3 Year5.50% 35 monthly payments of $30.20 + 1 of $30.02
    4 Year6.50% 47 monthly payments of $23.71 + 1 of $23.68
    5 Year7.50% 59 monthly payments of $20.04 + 1 of $19.82
    6 Year9.00% 71 monthly payments of $18.03 + 1 of $17.51
    7 Year10.00% 83 monthly payments of $16.61 + 1 of $15.45

    *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice.

    50/50 Loans

    Terms APR* Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    1 Year 3.00% 11 monthly payments of $84.70, 1 of $84.62
    2 Year3.25% 23 monthly payments of $43.10, 1 of $42.88
    3 Year3.50% 35 monthly payments of $29.31, 1 of $29.01

    *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice.

    Overdraft Line-of-Credit

    APR* Minimum Payment Payment
    11.00% $15.00 5.00% of the outstanding balance

    *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice.

    Share Secured Loans

    Terms APR* Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    1 Year 1.50% 11 monthly payments of $84.02 & 1 final estimated payment of $83.92
    2 Year2.00% 23 monthly payments of $42.54 & 1 final estimated payment of $42.54
    3 Year2.50% 35 monthly payments of $28.87 & 1 final estimated payment of $28.52
    4 Year3.00% 47 monthly payments of $22.14 & 1 final estimated payment of $21.85
    5 Year3.50% 59 monthly payments of $18.20 & 1 final estimated payment of $17.59
    5 Year Balloon**4.00% 59 monthly payments of $10.13 & 1 estimated balloon payment of $559.47

    *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. **Payments are amortized over 10 years with a balloon payment after 5 years.

    Partially Secured

    Terms APR* Payment Example (Based on $1000; Monthly with 1 estimated final payment)
    1 Year3.25% 11 monthly payments of $84.81 & 1 final estimated payment of $84.77
    2 Year4.25% 23 monthly payments of $43.54 & 1 final estimated payment of $43.39
    3 Year5.25% 35 monthly payments of $30.09 & 1 final estimated payment of $29.78
    4 Year6.25%47 monthly payments of $23.60 & 1 final estimated payment of $23.55
    5 Year7.25% 59 monthly payments of $19.92 & 1 final estimated payment of $19.80
    6 Year8.75% 71 monthly payments of $17.91 and 1 final estimated payment of $17.06
    7 Year 9.75% 83 monthly payments of $16.48 and 1 final estimated payment of $15.49

    *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice.

    Savings Certificate Secured Loans

    APR* Maximum LimitTerm
    2.00% above interest rate paid by Savings Certificate 90% of PHFCU Savings Certificate pledged as security Maturity Date of Certificate

    *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice.

    Rate is subject to change based on current certificate rates as applicable.

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