Loans

Menu

NPFCU Loan Solutions

A variety of low-cost loan products are available to meet your specific borrowing needs. Our competitive rates and flexible repayment terms can help stretch the purchasing power of your hard-earned dollar. Feel free to choose from an array of repayment options ranging from a coupon book to direct deposit to auto withdrawal from another account.

  • New and Used Auto Loans

  • Recreational Vehicles

  • Personal Loans

  • VISA Credit Cards

  • Title Loans

  • Share Secured Loans

  • Home Equity Loans

  • Home Equity Lines of Credit

  • Bill Consolidation Loans

  • First Mortgages

Pre-approvals are available on all loan requests.

Applying for a loan with NPFCU is easy. You may submit the completed application to our office or fax it to the office at (215) 997-1495. To print and complete, click here. If you have any questions, please call our office at (215) 822-9119, or email us. Most applicants will receive a decision within one business day.

New & Used Auto Loans

Is it time for some new wheels?

We may finance up to 100% of the NADA retail value on vehicle loans. Flexible terms are available with longer term options for newer cars. Private sales and commercial sales are just fine with us. Need to check out that possible purchase? Ask us about getting a Carfax report before you buy. 

Recreational Vehicle Loans

Let’s get out and explore. We may finance up to 100% of the NADA retail value on that RV, motorhome, motorcycle, or boat that has caught your eye.

Personal Loans

Are you looking for a loan on your signature? We offer personal loans up to $5,000.

VISA® Credit Cards

We try to help our members be prepared for those unexpected expenses that always seem to pop up. A credit card is a handy addition to your financial products if you use it to your benefit. We offer secured cards for those who are just starting out or starting over as well as unsecured cards with limits up to $5,000. Give us a call to request an application.

  • Please call (866) 604-0381 if your card is lost or stolen outside of office hours

  • Want to customize your PIN? No problem. Call (866) 297-3411. You will simply need your current PIN to make the change to a number that works better for you

  • Do you need online access for your card? Please visit www.ezcardinfo.com

Title Secured Loans

Do you have a clear car title that you would like to offer for collateral? A title-secured loan may be right for you. We often can lend up to 100% of the NADA retail value for your vehicle.

Share Secured Loans

Do you have funds on deposit at the credit union? Sometimes it’s tough to build up a share account, and you may be reluctant to withdraw those funds to pay for a current expense. No need to withdraw the funds. You can simply borrow against your own money with a share secured loan. Just keep your share balance equal to your loan balance and you are all set.

Vacation/Holiday Loans

Aha! The special loans are here and just in time for vacation and the holidays. Generally, twice per year, the board will authorize a special loan offering. When available, you can apply for a total of $2,500 for one year at low rates for a one-year term. Watch our news for available times.

Home Equity Loans

Borrow against the equity in your home for all those projects, a vacation, education, or other purposes. These loans are at a fixed interest rate for a fixed term. Your principal and interest payment will remain the same for the term of the loan. We offer loans on your primary residence as well as a secondary property although the terms vary. There are fees associated with this loan, and they will be determined at the time of the loan application. We offer to finance up to 80% of the value of the home less any first mortgage balance. Please call for details.

Home Equity Lines of Credit

Borrow against the equity in your home for all those projects, a vacation, education or other purposes.  A line of credit allows you to draw funds out as you need them. No need to take all the funds at one time. The line of credit is available for draws for 7 years and has a variable interest rate. Your payment and repayment term will change based on the amount that you have outstanding on the loan and the current interest rate. These loans are offered on your primary residence. There are fees associated with this loan and they will be determined at the time of the loan application. We offer to finance up to 80% of the value of the home less any first mortgage balance. Please call for details. 

Pre-approvals are available and are valid for 60 days from the approval date. 

Applying for a loan with NPFCU is easy. Simply download and complete the loan application form here. You can fax the application along with your income verification to (215) 997-1495 or email it to smcconaghy.np@comcast.net.  You can also apply online, and we will follow up with a phone call to confirm your details.

Loan Rates Disclosure

Rates are accurate as of 7/01/2024 and are subject to change without notice.
Rates are determined by your credit score. The actual rate may vary. The advertised rates are for “AA” credit.

Loan Rates

New Auto Loans (2022-2024)

Term APR* as low as Monthly Payment
48 months 5.99% $23.49
60 months 5.99% $19.33
72 months 6.15% $16.65
84 months 6.50% $14.86

All payments quoted above based upon $1,000 borrowed. Loans up to 100% of the NADA value of the vehicle.

Used Auto Loans (2019-2021)

Term APR* as low as Monthly Payment
36 months 6.0% $30.43
48 months 6.25% $23.61

All payments quoted above based upon $1,000 borrowed. Loans up to 100% of the NADA value of the vehicle.

Older Used Auto Loans (2018 and older)

Term APR* as low as Monthly Payment
24 months 6.74% $44.56
36 months 6.99% $30.88

All payments quoted above based upon $1,000 borrowed. Loans up to 100% of the value of the vehicle.

Signature/Personal Loans (Maximum loan of $5,000)

Term APR* as low as Monthly Payment
Max term of 60 months 12.75% $22.64

Credit Cards

(Maximum limit of $5,000) (Secured cards offered)

Type APR* as low as Finance Method
Visa® Classic Card ($10 Yearly Fee) 13.90% Average daily balance

Share Secured Loans

(Borrow against your own deposits without having to withdraw your funds)

Term APR* as low as Monthly Payment
48 months 4.25% $22.70
60 months 4.75% $18.76

All payments quoted above based upon $1,000 borrowed.

Classic Cars

(20+ years older than the current model year)

Term APR* as low as Monthly Payment
36 months 7.49% $31.11
48 months 8.49% $24.65

All payments quoted above based upon $1,000 borrowed. Loans up to 100% of the appraised value of the vehicle. Recent pictures are required.

Title Loans/Refinanced Loans

(Using a clear title for collateral or refinancing a current NPFCU auto loan)

Term APR* as low as
Term based on year of vehicle 9.75%

Loans up to 100% of the NADA value of the vehicle.

Recreational Vehicles (2021-2023)

Includes Motorcycles, Boats and Motorhomes

Term APR* as low as Monthly Payment
36 months 5.50% $30.20
48 months 5.75% $23.38
60 months 6.25% $19.46

All payments quoted above based upon $1,000 borrowed. Loans up to 100% of the value of the RV.

Used Recreational Vehicles (2020 and older)

Includes Motorcycles, Boats and Motorhomes

Term APR* as low as Monthly Payment
36 months 7.25% $31.00
48 months 7.75% $24.30

All payments quoted above based upon $1,000 borrowed. Loans up to 100% of the value of the RV.

Home Equity Loans

(Maximum 80% loan to value, additional fees may apply)

Term APR* as low as Monthly Payment
48 months 6.40% $23.68
72 months 6.40% $16.77
96 months 6.40% $13.34
120 months 6.40% $11.31
180 months 6.990% $8.99

Home Equity Line of Credit

(Maximum 80% loan to value draw term of 7 years)

  • Repayment term varies, maximum 20 years based on amount borrowed

  • Variable rate

  • Current APR is 7.00%

Mobile home loans are available. Details will vary based on year of home and amount to be financed. Please call the office for rates/terms.