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Personal Loan and Lines of Credit


If you're looking to make an important purchase or consolidate some of your debt, our Personal Loan options are some of the best around. With loans available up to $25,000, members of Direct Federal may quickly apply for funds to cover an expensive purchase, emergency expense, or even a vacation. Personal Loan rates start at 14.49%1


Personal Lines of Credit

With lines up to $10,000, our Personal Lines of Credit (PLC) options allow you to add overdraft protection to your Direct Federal checking account, or simply hold a revolving line of credit for the times when extra funds are needed to cover a home expense or the holiday season. PLC's start at a variable rate of Prime +5.74%2, currently 14.24%.

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The rate listed is the Annual Percentage Rate (APR). The APR is effective as of 05/04/2023 and subject to change. Other terms and conditions may apply. APR of 14.49%, 17.49%, or 18.00% based on your creditworthiness. The cost per $1,000 borrowed is $22.37. Payment example: $22.37 consisting of the principal of $12.17 and interest of $10.20. The maximum loan amount is $25,000.  Subject to Underwriting. Rates are subject to change.

The rate listed is the Annual Percentage Rate (APR) which is variable and is equal to the Wall Street Journal Prime Rate + 5.74%, 8.74%, or 9.50% based on your creditworthiness. Prime as of 05/04/2023 was 8.25%. Minimum payments of the greater of 1) 3% of the principal balance of your account on the statement date or 2) $25.00. Payments will be applied first to interest accrued at an interest rate of 14.24%, second to any late charges, and third to principal and other charges.  The maximum line amount is $10,000. Subject to Underwriting. Rates are subject to change.