OUR LOW RATE PERSONAL LOANS HELP YOU FOCUS ON WHAT MATTERS

Rates and offers current as of and are subject to change. All loan programs are subject to credit approval.

*Your actual APR will be determined at the time of 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.

Personal Loan:
Loan amount determines rate and term. All loans are subject to a minimum monthly payment of $50. PENZIOX does not permit internal refinances of an existing PENZIOX Personal loan.

Bill Consolidation Loan:
In order to consolidate an existing PENZIOX loan, line of credit, or credit card, the current rate must be equal to or greater than the rate on your existing PENZIOX loan, line of credit, or credit card. PENZIOX does not permit internal refinances of an existing PENZIOX Bill Consolidation loan.

Loan amount determines rate and term. All loans subject to minimum monthly payment of $50.

Fixed Rate Personal Line of Credit:
After account opening, a three business day waiting period applies for credit line advances. These line of credit accounts cannot be used for overdraft protection.

Overdraft Line of Credit:
After account opening, a three business day waiting period applies for credit line advances. This account can only be accessed by overdraft from a checking account. No other types of advances are permitted.