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Personal Loans

Get access to the funds you need when you need them.

Apply Online Now! VIEW RATES
  • Fixed low rates to keep payments affordable
  • No monthly or prepayment fees, and no surprises
  • Flexible terms so you can find the right repayment option for you
  • Get a lump sum of money you can use for virtually anything: weddings, vacations, medical bills, debt consolidation, etc.
  • No application fees

Estimated Monthly Payment

This calculation is an estimate.
Loan Amount
Term (Months)

*APR=Annual Percentage Rate

How credit union personal loans work

A personal loan gives you the extra cash you need to handle that next big purchase, emergency, or dream.

Important details about our low rate personal loans:

  • You can submit your application online at no cost
  • You’ll get a lump sum of money up to $30,000
  • You’ll choose a repayment term from 6 months to 6 years
  • You won’t have to add anything as collateral
  • There are no monthly or prepayment fees, so you can choose to pay off your loan earlier
  • Use the funds freely to pay for anything, from weddings to vacations or medical bills
  • Your rate will be based on your credit history and credit score.
  • You can use your personal loan to pay off high-interest debt and keep one simple monthly payment

Getting the funds you need has never been easier! Simply apply online and see what rates and terms you qualify for.

Apply Online Now

Take advantage of our low personal loan rates

Personal Loan Rates

Loan TypeAPR*
Share Secured Loan7.00%
Personal LoanFixed & as low as 9.99%**
Term Share Certificate Secured Loan7.00%***
Overdraft/Line of CreditVariable & as low as 15.40%****
*APR = Annual Percentage Rate.
**Rates and terms are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval.
***The greater of 7% APR or 2% above the Term Share Certificate rate.
****Rates and terms are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval. Maximum rate is 17.90% APR.

**APR=Annual Percentage Rate. The maximum total unsecured debt per Member is $30,000. Annual Percentage Rate (APR) will not be less than 9.99% or greater than 17.99%. Minimum term is 6 months. Maximum term is 72 months. Example: Monthly payments for a $10,000 personal loan at 9.99% APR for a term of 72months would result in 72 monthly payments of $212.42. Payment is calculated using $21.24 per $1,000 borrowed. The interest rate that you receive and the amount you may borrow will be based on your credit history and are subject to approval. Advertised rates and terms are subject to change without notice. Loan proceeds may not be used to refinance any existing loan with Freedom Credit Union. Offer available for a limited time and is subject to change without notice. Credit union membership is required, eligibility requirements apply. 

All you need to do



Apply Online

Simply submit your personal loan application to cash up to $30,000.


Pick Your Term

After choosing your loan amount, choose your preferred repayment term, from 6 months to 6 years.


Receive your funds

Use your funds as you see fit, and make your loan payments with just your computer or phone.

If you can dream it, we can fund it


“Because of you I was able to rebuild my life, as you stood by me in my darkest hours. Thank you!”

Freedom Credit Union Personal Loans FAQ

  • An unsecured loan is a personal loan that doesn’t require collateral for the funds you borrow. With this type of loan, your lender will assess your financial situation and creditworthiness and decide if you’re likely to repay the loan.

    If your lender decides your credit history is good enough, you’ll receive the loan without having to put up any assets as collateral.

  • Yes, once you receive the funds, you can use them as you see fit. Some of the most common uses of personal loans are:

    • Consolidating debt, you can pay off high-interest debt, so you have one simple monthly payment
    • Paying for wedding expenses
    • Finance car or home repairs
    • Emergency funds or unexpected expenses
    • Major purchases, like new appliances
  • Personal loans are a great option to consolidate high-interest credit card debt. If you have a good credit score and a low debt to income ratio, you are likely to get a lower rate on your personal loan. Instead of making monthly payments on different credit cards, you’ll use your personal loan to pay them off. Then, you’ll simply make one monthly payment, saving money on interest every month.

  • Yes, you need to become a member to enjoy our personal loan offers. Members can apply for a personal loan in online and mobile banking, or by phone or at an Access Center. To become a member, you can simply open a savings account with a minimum balance of $5.

  • Anyone who lives, works, worships, performs volunteer service, or attends school in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties is eligible for Membership.