Personal Loans

Explore our flexible personal loan options designed to meet your financial needs.
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A Loan Tailored For You

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. Quickly apply for funds to cover an expensive purchase, emergency expense, or even a vacation.
  • Access funds up to $25,000 based on to your creditworthiness.
  • Funds for any financing purpose.
  • No prepayment penalties.

Personal Loan

  • Fast debt consolidation
As low as
Maximum rate is 18%.
View Disclosures
The rate listed is the Annual Percentage Rate (APR). The APR is effective as of 07/28/2023 and subject to change. Other terms and conditions may apply. APR of 14.49%, 17.49%, or 18.00% based on your creditworthiness. The maximum loan amount is $25,000. The maximum unsecured loans to one borrower is $50,000. Subject to Underwriting.


Interested in a personal loan?

Our relationship bankers are here to help you take the first step.
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Annual Percentage Rate (APR)

The Annual Percentage Rate (APR) is the yearly interest rate that borrowers are charged on a sum of money. It is expressed as a percentage and represents the actual cost of funds over the term of a loan. This rate includes any fees or additional costs associated with the transaction but does not consider compounding. The APR is a helpful measure for consumers to compare among lenders as it provides a clear and standardized number.


Direct Federal is a not-for-profit, meaning that earnings are invested right back into the credit union. And that means Direct Federal can offer lower loan rates and higher deposit rates that you simply won't see anywhere else.

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Frequently Asked Questions

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How can I check the status of an application?

If you are an existing member, the easiest way to check the status of an application is through the Application Center within Digital Banking.

Check Status as a Member >

If you are not a member, please visit our Application Status Center.

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How can I pay my bill?

We offer a variety of options to pay a Direct Federal Loan or Line of Credit.

View payment options for Direct Federal Loans and Lines >

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