Personal Loans

Explore our flexible personal loan options designed to meet your financial needs.
A couple sitting in front of a lake with mountains in the background.

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.
Borrow

Personal Loan

  • Fast Debt Consolidation
  • Borrow Up To $25,000
  • 12-60 Month Terms
Rates
APR1
As low as
0.1399
Maximum rate is 18%.
View Disclosures
The rate listed is the Annual Percentage Rate (APR). The APR is effective as of 09/23/2024 and subject to change. Other terms and conditions may apply. APR of 13.99%, 16.99%, 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.

Add-On

Personal Loan Calculator

Use this personal loan calculator to determine out the total amount of your personal loan (principal + interest) and how much you have to contribute monthly to pay it off by the end of the loan term.

Interested in a personal loan?

Our relationship bankers are here to help you take the first step.
professional man smiling

Glossary

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.


Not-for-Profit

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.

get in the know

Frequently Asked Questions

Use the search bar below to sort through our library of FAQs to learn more about a specific product, service, or process.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
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.

Check Application Status >

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 >

more ways to save

You may also be interested in...

Solutions designed for your busy life.

Helpful Resources

Connect

Contact Us

We’re here for you on your schedule.