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Flexible Financing

Are you seeking out funds to address unforeseen expenses or pursue a passion project? Perhaps you’re aiming to complete a big home improvement repair, a renovation or consolidate high-interest credit card balances for a smoother monthly budget.

Whatever your goal, we’re here to assist borrowers of all backgrounds in finding the perfect personal loan option. As a trusted financial institution and lender, we offer low, competitive interest rates and adaptable loan terms with local servicing throughout the life of the loan. From the loan application to a credit check and loan approval and beyond, we’re here to empower you on your personal journey. Discover flexible financing with a personal loan today!

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Personal Loan Rates

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Loan Product Collateral Minimum Loan Maximum Term Rate APR* as low as
Personal Unsecured N/A N/A 48 Months Fixed 10.99%
Quick Cash - Apply Now N/A $300 12 Months Fixed 18.00%
Variable Rate Personal Unsecured  N/A N/A 48 Months Variable Prime +2.00% 8.75%
Prime Line N/A N/A 60 Months Variable Prime +2.00% 8.75%
90 Day Single Pay Notes - Rate follows collateral being held

Membership at ProFed is required. *The annual percentage rate (APR) listed are our best rates. Your rate may vary depending on your credit score. As of 12/12/25, Consumer Loan Prime Rate is 6.75. Payment Example: Personal - 48 months @ 10.99% your payment will be roughly $25.85 monthly per $1,000 borrowed. Click here to visit our Loan Payment Calculator to determine a monthly payment that works for you

Frequently Asked Questions

You can use a personal loan for almost anything. Read more on what personal loans can be used for here.

Our approval process takes several factors into consideration, but ultimately, your credit worthiness will determine if you qualify.

If your credit score is 720 or higher you will get our best rate. To find out your credit score, speak to a loan officer today!

We don't approve or deny a loan solely based on credit score. We evaluate several factors in our decision, including credit score.

The amount you can borrow is based on several factors. Use our calculator to find out how much of a payment you can afford. ProFed offers personal loan terms up to 48 months.

Each time you apply for a loan, it can impact your credit.

It depends, but funds become available as soon as you sign your loan documents.

In general, once we receive all the information, we strive to give you a decision within 1 business day.

Yes, a loan can be paid off at any time.

If you are struggling to make a payment, reach out to a loan officer for options.

Apply online or swing into a branch and apply in-person.

Yes, a personal loan can be used to consolidate debt. Read more on what personal loans can be used for here.

A personal loan is an unsecured loan that does not require collateral.

A quick cash loan is a short-term loan alternative giving you a small dollar loan (up to $2,000) with a 12 month-term. A personal loan can be used to borrow more funds for a longer period of time.

Personal loans are term loans which means you have a scheduled number of payments for a set term. A credit card is an open-ended revolving loan which means you can borrow up to your credit limit as you pay it back, and the loan is open until you close the account.

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