SRFFCU helps members cover important expenses with Personal Loans that feel straightforward and flexible. Whether you need funds for debt consolidation, home updates, a wedding, or a large purchase, a Self Reliance Financial Federal Credit Union Personal Loan can give you a simpler way to move forward.
Borrow for the Things That Matter
A Personal Loan can help when life brings unexpected costs or goals you are ready to tackle now. It can also be a useful option when you want to combine debt into one fixed payment amount and make repayment easier to manage.
Personal Loans
SRFFCU offers an unsecured fixed-rate Personal Loan that gives members access to funds without using savings or other deposit accounts as collateral. This option works well for expenses like debt consolidation, furniture, home remodeling, vacations, weddings, and other major purchases.
Current Personal Loan Rates
All rates listed on this page are valid as of July 1, 2026 and are subject to change without notice.
| Type | Terms | APR1 |
|---|---|---|
| Personal Loan | 1 to 5 years | Rates as low as 6.99% |
SRFFCU personal loans offer terms from 1 to 5 years, with rates determined by the applicant’s credit profile. The lowest advertised rate applies with automatic monthly payment.
1APR = Annual Percentage Rate. Rates for this product are determined by an evaluation of applicant credit; not all applicants will qualify. Your rate may vary from the rate shown. APR is increased by .25% without automatic payment. All rates are subject to change without notice.
Why Do Members Choose SRFFCU for Personal Loans?
People often turn to personal loans when they need a clearer, more manageable way to cover a major expense or consolidate debt. SRFFCU gives members:
- Access to funds
- Competitive rates
- Personalized service
Members get the convenience of digital banking tools along with the confidence they can still reach a real person for help.
Life is Expensive. We’ve Got You Covered!
- Debt Consolidation
- Wedding Expenses
- Vacations
- Home Remodeling
- Auto Repair
- Bill Payments
- Healthcare Expenses
- Moving Expenses
- Legal Expenses
- Business Startups
Take the Next Step with a Personal Loan
If you need a straightforward way to cover a major expense or simplify repayment, SRFFCU can help you move forward with a personal loan that fits your needs.
Take the Next Step with a Personal Loan
If you need a straightforward way to cover a major expense or simplify repayment, SRFFCU can help you move forward with a personal loan that fits your needs.
Frequently Asked Questions (FAQs)
I′m interested in a personal loan, but not sure if I need one. Is there anyone I can talk to?
A SRFFCU representative will be more than happy to talk to you. Please feel free to view our full contact information or call us at (215) 725-4430.
Can I get a personal loan for something that is not listed on this page?
Absolutely! You can use your loan proceeds for almost any purpose. The items listed on this page are just a few ways to use a personal loan. Please feel free to call us at (215) 725-4430 and talk with a SRFFCU Representative about whether a personal loan is right for you.
How much can I borrow?
The amount you borrow varies depending on your income, credit score, and liabilities.
How long will it take to repay my loan?
Your loan term will be determined by what you agree with SRFFCU. When determining a long-term loan, determine the amount you are most comfortable with repaying and consider other debts you may have.
How do I make a payment?
Loan repayment options:
- Set up AutoPay with SRFFCU
- Online and Mobile Banking payment
- In-Person payments at our local branches in Maryland, New Jersey, New York, and Pennsylvania
- Pay by mail