Loan Information
Rates
For up to date information on current rates, please visit our Loans Rates table page.
Loans
If you need help in financing a vehicle, home or other purposes, we've got you covered.
Competitive rates, a variety of terms and fast approval are yours with a Parishioners loan. The Credit Union offers low cost consumer and equity loans to meet your changing needs. Get the cash you need to buy a car, consolidate your high-interest debt, make home improvements and provide cash for life's unexpected emergencies.
Click here to download a loan application now and apply today.
To speak with a Loan Officer please call (888) 397-5111 or e-mail us.
Auto Loans
We help members buy new or used cars, with up to 110% financing available on new and used models and up to 90% financing on older vehicle models. Now we can finance vehicle loans of $25,000 or more up to 7 years. We can also help you buy out an existing auto loan or lease by refinancing your loan at Parishioners Federal Credit Union with more favorable terms. We also offer Mechanical Breakdown insurance and GAP insurance at half the cost of what dealers charge and include it in your monthly payment. Apply today!
MBP & GAP
Protect your vehicle from mechanical breakdowns and total loss. Click here to find out how.
Cash Advance Line of Credit
A Parishioners Federal Credit Union Cash Advance Line of Credit offers the ultimate in flexibility. Our Cash Advance Line of Credit is a revolving line of credit up to $25,000 and you can access the line through our P*A*Y*S automatic response system 24 hours a day 7 days a week at (800) 599-7433.
Low Rates, No Fees
With a low variable interest rate, no set-up, annual or advance fees, your costs are much lower than other revolving credit accounts.
Low Payments
Your low monthly payment is based on 2% of your outstanding balance at the time of your last advance.
Overdraft Protection
Working with your Parishioners checking account, your Cash Advance Line of Credit can give you access to up to $7,500 of available cash for overdraft protection.
Apply Online for a Line of Credit loan
To apply online for a Line of Credit Loan using our secure loan application form please click here to get started.
To request a Line of Credit package please call (888) 397-5111 or e-mail us.
Credit Builder
Need help establishing credit? Having trouble adding to your savings account? Our Credit Builder Loan is a new product to help raise your credit score. Loan proceeds are deposited and secured for the duration of your loan. Once your loan is paid off in full, the secured funds are released into your regular savings account! If you’re ready to build your credit and save for your future, ask one of our loan representatives how you can get started today!
- Build your credit and your savings
- Loan amount is $3,000.00
- No credit history or income verification required
- 48 month term with no prepayment penalty
Payday Loan
If you need cash fast and can’t wait until your next payday, our Payday Loan is a better alternative choice.
- Loan amounts range from $200-$1,000 based on your average direct deposit amount
- Up to a 90-day repayment term
- Only $20 application fee (non-refundable)
- 28% APR fixed rate
- Must have direct deposit with PFCU for at least 3 months
- No rollovers
Restrictions may apply, consult loan department for full details.
Share Secured Loans
Borrow money secured by the funds in your primary share account while your shares continue earning dividends.
- Term up to 60 months
- Reported to credit reporting agency to help you build credit
Click here to Apply today.
Signature Loans
For those of you who know exactly how much they need to borrow, and prefer to have a loan for one lump sum over a specific term, a Parishioners Federal Credit Union Signature Loan is just for you. With a low fixed interest rate, loan amounts up to $25,000 and terms up to 60 months available, you can get the cash you need and be sure that your monthly loan payment won't change throughout the term of your loan.
Click here to Apply today.
