Personal Loans

Debt Consolidation

Looking to consolidate your debt? Check out our special consolidation options here.

Signature Loans

Pheple FCU can help you get cash when you need it with our Signature Loan. Signature Loans are unsecured personal loans where you can enjoy a fixed rate and term, so there are no surprises.

Signature Loan Offers:

  • Low fixed rate

  • Finance up to $30,000

  • Flexible terms to meet your needs

PAL Loan

Pheple FCU offers a smart alternative to payday loans. Why pay high fees and interest rates when there’s a better choice? Get a credit union PAL loan today! Applications available to members who have been with us for 30 days or more.

PAL Loan Offers:

  • Financing up to $2,000

  • Short repayment terms

  • Flexible payments

Please select “Signature” for type of loan when applying for a PAL online.

Shared Secured Loans

Are you looking to build your credit or do you need to make a necessary purchase but you don’t want to dip into your savings? Try a Pheple FCU Shared Secured Loan. You borrow against your savings and receive a low-rate loan, while still earning interest on your savings!

Shared Secured Loan Offers:

  • Low fixed rate

  • A great way to establish or re-establish credit

  • Borrow up to 100% of your Pheple FCU Savings Account balance

Student Loans

Get the money you need to help make higher education happen Student loans from Pheple FCU in partnership with Sallie Mae® could help!

For those attending a degree-granting institution

Whether you’re an undergraduate or graduate student these flexible loans are designed to meet your needs:

  • Competitive variable and fixed interest rates

  • No origination fee or prepayment penalty (1)

  • Multiple repayment options

Undergraduate

Smart Option Student Loan® for Undergraduate Students
Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school

Graduate

Graduate School Loan
Pay for expenses as you pursue your master’s and doctoral degrees

MBA Loan
Pay for your business school expenses as you pursue your Masters of Business Administration degree

Medical School Loan
Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine

Dental School Loan
Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics

Graduate School Loan for Health Professions
Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs

Law School Loan
Pay for your school and associated expenses as you study for your law degree

Borrow responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Pheple FCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: These loans are for students at participating degree--granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

© 2021 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.