Last Updated: 10/10/2025
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Amount Range
APR (Fixed APR)
PenFed Personal Line of Credit Review
PenFed Personal Line of Credit FAQ
What APRs does PenFed Personal Line of Credit offer?
Does the PenFed Personal Line of Credit charge an origination fee?
Does the PenFed Personal Line of Credit charge a cash advance fee?
Does PenFed Personal Line of Credit charge a late fee?
Yes, PenFed Personal Line of Credit may charge borrowers a late payment fee .How much can you borrow via PenFed Personal Line of Credit?
| Cash Advance Fee | N/A |
| Origination Fee | No |
| Prepayment Fee? | No |
| Late Payment Fee | No |
| Statement Balance Fee | No |
| Billing Cycle Charge | No |
What do you need to qualify for PenFed Personal Line of Credit?
Applicants with a credit score of at least 500 and up to 850 may be eligible for PenFed Personal Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Applicants must have an active and valid personal checking account
- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a personal line of credit via PenFed Personal Line of Credit?
PenFed Personal Line of Credit will typically fund personal lines of credit within 5 business day s of approval.Does PenFed Personal Line of Credit report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does PenFed Credit Union perform a hard credit pull?
How to apply for PenFed Personal Line of Credit
- Visit the PenFed Personal Line of Credit website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
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SuperMoney Net Recommendation Score
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PenFed Personal Line of Credit Community Reviews
Would you recommend PenFed Personal Line of Credit to your friends?
Christian F.
Feb 28, 2022
May or may not recommend
Anonymous
Oct 31, 2019
May or may not recommend
Christopher W.
Apr 7, 2019
May or may not recommend
Jason S.
Nov 28, 2018
May or may not recommend
Showing 4 of 4 reviews