To receive the advertised product, you must become a member of PenFed Credit Union, which is federally insured by the NCUA. 1.0% APR for 6 months. After that, a fixed APR between 6.49% and 17.99% applies. Your fixed APR applicable after the promo expiration will be determined at the time of loan disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. The 0% APR for 6 months offer is valid for consumers working with a PFR agent. To be eligible for the 0% APR for 6 months, you must submit a PenFed personal loan application through your PFR agent. “0% APR” means all loan payments received in the 6 months following loan origination will be applied exclusively to your unpaid loan balance. After 6 months, your loan payments will be applied to the unpaid loan balance and applicable finance charges. ©2021 Pentagon Federal Credit Union.