A smart way to pay for virtually any expense — planned or unplanned.
Major expenses can disrupt even the most carefully planned budget — especially when they are unexpected. If you find yourself short on cash, turn to Parda for an affordable personal loan.
We offer a few personal/unsecured loans and lines of credit that fit different situations.
Winter WonderLoans are BACK!
For a limited time, take 1% off your qualifying personal loan rate and lock in rates as low as 8.95% APR.* Available on personal loan amounts up to $25,000 up to 60 months.
*Membership required. A minimum deposit of $1 required to open and maintain membership at Parda Federal Credit Union. APR = Annual Percentage Rate. 8.95% APR is the lowest rate available for a Parda Signature Loan, which includes a promotional discount of 1%. Rate valid as of November 1, 2026, and are subject to change. Approval, rate, and amount based on individual credit history and ability to repay. Please contact a Loan Representative for more information. Limited time offer valid November 1, 2026, through January 31, 2027. Offer cannot be combined with any other promotions. Maximum loan amount of $25,000. Payment example: 8.95% for 60 months is $20.73 per $1,000 borrowed. Parda reserves the right to cancel or modify this promotion at any time. Offer cannot retroactively be applied to Parda Signature loans in process. Additional restriction/conditions may apply.
Personal Loan
A perfect choice when you need a specific amount of money. Also provides the peace of mind of fixed monthly payments. Like all of our personal loans, no collateral is required.
- Rates as low as 9.70% APR2
- Terms up to 60 months2
2Personal Loan APR = Annual Percentage Rate. Rate includes a rate reduction of .25% for having Direct Deposit with Parda Credit Union Loan Payment Example: The estimated monthly payment is $21.10 for every $1,000 borrowed at a rate of 9.70% for 60 months.
Member Express Loan
- Quick cash for whatever you need
- Borrow up to $2,000.00
- Flexible terms available3
3APR = Annual Percentage Rate. APR is 17.9%. Qualifications: Borrower must be a member of Parda Federal Credit Union for a minimum of 6 months. Member must have a minimum of $1,500 in direct deposit funds coming in consistently for the previous 3 months. Loans and share accounts must be in good standing at the time of application. Limit, one open Member Express Loan at a time. No more than two Member Express loans within a 12-month period. Max term available is 24 months for up to $2,000 borrowed. Payment Example: The estimated monthly payment is $91.57 for every $1,000 borrowed at a rate of 17.9% for 12 months.
Parda Premier Line of Credit
All the same features as our Freedom Line of Credit, but with an even lower interest rate.
- Revolving line of credit starting at $5,000
- Minimum credit score of 640 required
- Low minimum monthly payments
Freedom Line of Credit
A Freedom Line of Credit1 gives you just that: freedom. Namely, the freedom of having funds available when you need them — to spend on what you want. It just might be the most flexible loan you’ll ever have!
- Starting at $500
- Prepare for emergencies with immediate access to available funds for urgent pet care, unexpected home repairs, and everything in between
- Make larger purchases when you want without having to apply for a new loan every time: winter tires, spring break vacations, summer landscaping projects, or back-to-school expenses in the fall – a Freedom Line is handy no matter the season
- Avoid unexpected fees by setting up the Freedom Line to cover overdrafts on your accounts
- Access cash quickly by transferring funds from your Freedom Line into a Parda checking or savings account instantly on Mobile or Online Banking
1Freedom Line of Credit minimum credit line amount $500.
Membership required. For qualified borrowers. Approval, rate, and term based on individual credit and ability to repay. Rates and terms subject to change at any time.
An auto loan with no payment for... 90 days!
Let’s get you from point A to point B in the vehicle you’re dreaming of. Look to us for low interest rates, and pay less for your loan over time.