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PenFed Review

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Reviews 239

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Alex McOmie
Alex Mcomie
May. 03, 20214 min read

PenFed summary

PenFed is one of the largest credit unions in the United States. It offers competitive student loans and student loan refinancing options for students, parents, and spouses through a partnership with Sallie Mae. With no prepayment fees, a variety of loan options, and a convenient online application, it’s one of the top lenders to consider in 2020.

Pros

  • No prepayment fees
  • Possibility to consolidate partner’s loan through spouse loans

Cons

  • May require a strong credit history
  • Not a direct lender
PenFed at a glance
4.2

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

4.0

Repayment flexibility

Offers multiple repayment plans- but no special repayment programs

4.0

Loan Types Covered

Covers most student loan types

4.0

Eligibility

Doesn't cover bad credit, low income borrowers

4.0

PenFed  PenFed View Rates

Suitable For?

Whether you’re looking for a new student loan, a parent loan, or refinancing on an existing loan, PenFed provides affordable rates and an easy online application. It also allows partners to consolidate their own separate loans into a combined spouse loan with one easy payment.

Loan Features

PenFed offers a number of loan types through a partnership with Sallie Mae. Along with loans for parents and undergraduate students, they also provide targeted loans for graduate students attending business school, medical school, dental school, law school, and more. Many loans come with four free months of Chegg study, which includes solutions to textbook questions and 24/7 professional availability.

The Application Process

When you select a PenFed loan, you’ll be redirected to the Sallie Mae website to complete their online application. After choosing a loan type, the form will ask for some basic information including your status (student/cosigner/sponsor), the school you’re attending. From there, it will provide details about the available loans and ask if you want to continue.

All things considered, the application process is relatively seamless, and you’ll be able to receive a result in as little as 15 minutes. Remember that Sallie Mae is the creditor for PenFed student loans—you’ll be applying to, getting money from, and making payments to Sallie Mae rather than PenFed.

It's important to note, that while PenFed is a credit union, you do not need to be a member in order to apply. If you choose to accept the loan you will become a member for free. 

Loan Terms

PenFed offers a variety of loans together with Sallie Mae, and your loan may have different terms depending on what you’re looking for. That said, most new loans have flexible maximums, allowing borrowers to take out anywhere from $1,000 up to the full cost of attendance as certified by their institution.

Repayment Terms

The specific terms of your loan will depend on a number of factors including your credit and the type of loan you’re applying for. For refinancing loans, fixed rates range from 2.69 - 5.63% while variable rates go from 2.13 - 5.25%.

Furthermore, there are no prepayment fees, so you’ll have the opportunity to pay off the loan more quickly in order to save money on interest. Most loans run from between five and fifteen years, but again you can always pay it off more quickly if you have extra cash on hand.

Sallie Mae also offers deferments for up to 60 months for undergraduate loans and 48 months for most graduate student loans. Keep in mind that interest will continue to accumulate throughout the deferment, which could lead to greater total interest payments.

How Safe Is It? 

As mentioned earlier, PenFed offers student loans through a partnership with Sallie Mae, which is one of the largest and most well-known student loan providers in the United States. While Sallie Mae is a private lender, it’s still a safe option if you’re looking to borrow money.

Similarly, PenFed itself is one of the largest credit unions in the United States, and it has a strong reputation that dates back to the 1930s. Make sure to enable two-factor authentication on your account in order to keep your information as safe as possible. The platform’s secure messaging options will also enable you to contact support without putting any sensitive data at risk.

Help & Support

PenFed offers an informative set of 29 FAQ articles covering common questions about their services. There are also several ways to contact their team directly for additional assistance—you can call, fax, send an online message, or securely upload a support request. 

Phone support is available in the United States from 7 AM to 11 PM Eastern on weekdays, 8 AM to 11 PM on Saturdays, and 9 AM to 5:30 PM on Sundays. Their contact phone numbers are 724-473-6333 and 1-800-247-5626.

Summary

PenFed has everything most borrowers are looking for in a student loan provider: competitive rates, a reliable lending history, numerous loan and refinancing options, and an easy online application process. Whether you’re looking for a student loan, parent loan, spouse loan, or refinancing, PenFed is a good place to start—particularly if you have a strong credit history.

Physical Address

2930 Eisenhower Avenue

Alexandria, VA 22314

13220 Fort Street

PenFed  PenFed View Rates

Alex McOmie
Written byAlex Mcomie

Alex serves as the Managing Editor for Money Done Right and covers personal finance topics for Eleven Writing. He’s particularly interested in the way seemingly small adjustments can transform a person’s financial outlook. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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ExcellentReviews 239
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Trustpilot reviews

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PenFed
AverageReviews 239
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Excellent
85%
Great
4%
Average
3%
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Bad
7%
  • author
    Luigi Coppiano
    a day ago
    Great experience .no nonsense guides on…

    Great experience no nonsense guides on the application about service and rate also the quickest response. I am looking forward to find out about other services with them.

    ...

  • author
    Eric Brown drums
    2 days ago
    Excellent credit card excellent…

    Excellent credit card excellent customer service keep up the great work PenFed Credit Union

    ...

  • author
    Rick F.
    3 days ago
    Very easy to apply and a good credit…

    Very easy to apply and a good credit card to use when you need to.

    ...

  • author
    R.M.
    3 days ago
    I Try To Get A New Loan From My Bank…

    I Try To Get A New Loan From My Bank on Line To Pay Off My Credit Cards They turn me Down. I Did Not No What else to Do . My Hours at work got cut way down and i was looking for help to get my payments lower . i got A few emails from Monevo Financial Before and so i gave them a try . They Got me Per Aprove Though Pen Fen Credit Union .and A Few more Loan Places . But Pen Fen Had The Best Rates . Thanks To Pen Fen For The Loan That I Wanted And i Got In Just 4 days I Recevied My Check . R.M . Banks, Al

    ...

  • author
    Justin Carlton
    3 days ago
    Easy to use

    Easy to use. Had great rates and a great limit I was approved for. Glad I applied.

    ...

  • author
    Phil
    4 days ago
    Terrible experience

    Terrible experience! I got approved, paid the account balance, created a username and password then the website had an internal error that kicked me out. I put in a help ticket - no response. I called support. The guy said he doesn't know the online application process. What kind of support is this!? I now cannot login nor can I create a new account because the account already exists. All I want is the credit card. If I had known it would be this much trouble I wouldn't have begun. If their systems and support are this bad than I don't want membership even if the account gets fixed.

    ...

  • author
    Kathleen Creo
    Jul 18, 2021
    AWESOME services.

    AWESOME services.

    ...

  • author
    Juan Gomez
    Jul 18, 2021
    PenFed online services it's a very fast…

    PenFed online services it's a very fast process. The online process is very simple to follow. It took me approximately 10 minutes to complete the entire process. Im recommending PenFed to family and friends.

    ...

  • author
    Michael Donner
    Jul 17, 2021
    Great customer service.

    Great customer service and knowledgeable associates.

    ...

  • author
    Jonathan W. Bennett
    Jul 17, 2021
    Great Credit Union

    Great Credit Union. I recommend this credit union as well as the share accounts as well as there credit cards.

    ...

  • author
    James Driscoll
    Jul 17, 2021
    Great customer service

    Great customer service

    ...

  • author
    Crescente Marcos Furnaguera Ma
    Jul 17, 2021
    penfed was very fast in processing my…

    penfed was very fast in processing my loan. They are very friendly and efficient.

    ...

  • author
    Richard Clark
    Jul 17, 2021
    Amazing products

    Amazing products, services and rates. Competitive and overall primer financail leader. PenFed is remarkable at meeting their customers needs. Highly recommend.

    ...

  • author
    Robert
    Jul 16, 2021
    Great company

    Great company

    ...

  • author
    Neville
    Jul 16, 2021
    I was in the market for a Personal Loan…

    I was in the market for a Personal Loan and PenFed Credit Union made it happen at way better rate than any other offer I had.

    ...

  • author
    TIM G
    Jul 15, 2021
    Great experience with Penfed

    Great experience with Penfed. Excellent place to do your financial business.

    ...

  • author
    Rafael Henriquez
    Jul 15, 2021
    PenFed is the best if anyone is trying…

    PenFed is the best if anyone is trying to get a credit card or a personal loan.. I highly recommend them.. their the best... Thank you PenFed!

    ...

  • author
    Abegail Ayungo
    Jul 15, 2021
    I love Penfed

    I love Penfed, they made it easy to apply online and you get answers right away. They have made applying easy to navigate, documents that are needed are easily done online, if one is not internet savvy they do have an option to ask for assistance or one can also do it thru the mail. They have great rates and fees are the lowest.

    ...

  • author
    Anonymous in Virginia
    Jul 14, 2021
    This loan process was so quick and…

    This loan process was so quick and easy, it was incredible.

    ...

  • author
    Matt Perez Jr
    Jul 13, 2021
    Very good service

    Very good service, good products and interés

    ...

  • author
    frankie bellot
    Jul 12, 2021
    VERY SIMPLE AND STRAIT FORWARD.

    VERY SIMPLE AND STRAIT FORWARD.

    ...

  • author
    Ron Buckhanon
    Jul 11, 2021
    Very easy process and wonderful site

    Very easy process and wonderful site

    ...

  • author
    Gerald Jensen
    Jul 11, 2021
    I recently applied for a credit card…

    I recently applied for a credit card and although I was not approved they offered another option that was more than acceptable! Their support team is top notch friendly and very helpful and patient.

    ...

  • author
    Denise Cashous
    Jul 11, 2021
    Hassel free in applying application

    Hassel free in applying application. Great rates

    ...

  • author
    Robert LaFleur
    Jul 11, 2021
    This is a well run program!

    The process is fast, simple and well run.

    ...

  • author
    Joseph Fontaine
    Jul 10, 2021
    PENFED to the Rescue.

    My home bank plus Southeast Financial and Lightstream all turn me down,Along came PenFed and said yes to my dreams . Wonderful service and quick.So I will praise this company the rest of my life. Thank you PenFed you guys are Awesome.Dreams do come true with PenFed.

    ...

  • author
    Miriam Janet
    Jul 09, 2021
    Excellent client service the only bank…

    Excellent client service the only bank that helped me when i really needed

    ...

  • author
    harold carter
    Jul 08, 2021
    Very nice people easy to deal with

    Very nice people easy to deal with. Thanks

    ...

  • author
    Virginia
    Jul 08, 2021
    PenFed is Awesome!

    PenFed has a lot of awesome services and rates. Their website is easy to use and processing requests is super fast. The customer service reps on the phone are very professional and knowledgeable.

    ...

  • author
    Kenneth Davidson
    Jul 08, 2021
    My experiences with PenFed CU have been…Great

    My experiences with PenFed CU have been great. They offer everything I need and as a CU member they have better rates than most.

    ...

  • author
    Julia's Jewels
    Jul 07, 2021
    Easy process

    The process of filing an application was amazingly easy. I had several offers but PenFed with their low interest rates and several options, made me choose them. From the time I filled out the application to the time I received my options was about 1 minute!!! Within 5 days, I had a check in my hand! Thanks again!!

    ...

  • author
    Ralph M
    Jul 07, 2021
    Horrible customer service…

    I received a mailing from PenFed saying I'm preapproved for their gold card. Okay! I go online. Fill out the pages. Hit submit. Page Not Working. Contact us appears, twice, two different days. So, l try by phone. After all the robotics, I'm told the wait is 20 to 30 minutes. Twice, two different days. Horrible customer service. Impossible to reach PenFed. Imagine if there were a real problem with theft or illegal charge. No one would be available.

    ...

  • author
    Sam Welman
    Jul 05, 2021
    High interest rate compared to navy…

    High interest rate compared to navy federal or any civilian credit union... customer service is poor

    ...

  • author
    William W
    Jul 05, 2021
    PenFed has a quick and simple app that…

    PenFed has a quick and simple app that I can use for all my banking needs. Excellent credit union and I will be a member for life!

    ...

  • author
    Carmen Sosa
    Jul 04, 2021
    Excellent experience

    I had an excelent experience! Staff is professional and knowledgeable!

    ...

  • author
    Cookie
    Jul 04, 2021
    Easy to join

    Easy to join, competitive rates, well designed webpages and help is available when you need it.

    ...

  • author
    Carrie Barnes
    Jul 03, 2021
    Love

    They all was very good and kind. I wouldn't Want anyone else.

    ...

  • author
    Eddie
    Jul 03, 2021
    Super low credit card rates!!

    Super low credit card rates!!

    ...

  • author
    Oscar alvarado
    Jul 01, 2021
    Fast and easy application and received…

    Fast and easy application and received a response within 30 seconds. Very happy with the over all process.

    ...

  • author
    Gary Lackey
    Jul 01, 2021
    Pen Fed is actually one of the best…

    Pen Fed is actually one of the best credit unions in the United States. They are always caring and helpful to their members

    ...

  • author
    Cheryl Hogan
    Jun 30, 2021
    Great service but nobody is perfect.

    Great service but nobody is perfect.

    ...

  • author
    Bobby Jones
    Jun 30, 2021
    Penfed treat you better than Family!

    Penfed treat you better than Family!

    ...

  • author
    Cecillia Ballard
    Jun 30, 2021
    Best option so far!!!

    Best option so far!!!

    ...

  • author
    Hunter McFalls
    Jun 29, 2021
    Great Customer Service!

    Great Customer Service!

    ...

  • author
    Charles Basile
    Jun 27, 2021
    I enjoyed the ability to complete the application…

    I enjoyed the ability to complete the process on-line; the process was exceptionally smooth, without "a hitch," and was efficiently completed

    ...

  • author
    Anthony Wilson
    Jun 27, 2021
    problem with the access code

    problem with the access code

    ...

  • author
    Dj “DjDnitty” Dntty
    Jun 27, 2021
    The overall experience was fantastic

    The overall experience was fantastic. Customer service was knowledgeable and speedy. The process was straightforward and easy to navigate.

    ...

  • author
    Steve Calkins
    Jun 26, 2021
    A Professional Experience

    It was a very professional experience without any issues. As the relationship grows, I will move other business to PenFed!

    ...

  • author
    ljhaynes
    Jun 24, 2021
    online process was horrible

    There was no mechanism to correct the credit card payment I tried to use online to fund my savings account. Capital One declined my card due to suspected fraud. Once that was sorted out, I had to call PenFed and sit on hold for over 30 minutes to resolve something so simple.

    ...

  • author
    Shawn McCarthy
    Jun 23, 2021
    Three Stooges Operation!!! Prepare for the Worst!

    Multiple delays, unprofessional staff, constant IT issues with lock-outs and security verification, endless time spent waiting and getting to any knowledgeable person. Routed to various call center employees with no authority but pretend to be management personnel, hold times are not realistic for business world of today, still waiting for funds from an approved loan 5 business days ago, and they do not use Fed Ex or Wire Transfers to expedite their delivery of funds. When they make large errors in service they do not offer personal service to fix problems for customer! Obviously, would not recommend.

    ...

  • author
    Henry Gamez
    Jun 22, 2021
    Easy process to work with

    Easy process to work with, I would recommend giving them a try.

    ...

  • author
    lillian Reyes
    Jun 22, 2021
    Hassle Free

    Hassle Free; committed to help when in need EXCELLENT SERVICE

    ...

  • author
    S. Colucci
    Jun 22, 2021
    Not good in any way.

    Very slow, inefficient service in branches. Limited branches. Contentious employees. I don't go to a bank to have people start arguments with me. Definitely disappointed.

    ...

  • author
    Ellis Pritchard
    Jun 21, 2021
    Great Customer service

    Great Customer service

    ...

  • author
    Jim Miller
    Jun 21, 2021
    East to apply for credit…

    East to apply for credit card...generous credit limit... quick responses...great rate...will stay with these guys!

    ...

  • author
    Pedro Rivas
    Jun 19, 2021
    My experience is that the application…

    My experience is that the application was too easy and quick.

    ...

  • author
    Douglas Fairfax
    Jun 17, 2021
    Excellent credit union

    Excellent credit union

    ...

  • author
    Phil Turner
    Jun 16, 2021
    Great customer service people

    Great customer service people. This adds to the idea that I made an awesome decision that my choice for a financial institution was on solid ground.

    ...

  • author
    Charlene Beatty
    Jun 16, 2021
    The application process was prompt and…

    The application process was prompt and easy. I made an error. call C.S. for a prompt resolution.

    ...

  • author
    JT
    Jun 15, 2021
    Trustworthy and longevity in serving…

    Trustworthy and longevity in serving the military community.

    ...

  • author
    David Thaxton
    Jun 15, 2021
    Very happy with penfed credit union

    Very happy with penfed credit union

    ...

  • author
    Mike Oglevie
    Jun 13, 2021
    "The PenFed customer service staff are very patient & respectful.

    The PenFed customer service staff members (Sarah & Aaron) were "over the top" patient and respectful in helping us "non-techie" people to complete our transaction!

    ...

  • author
    John
    Jun 13, 2021
    Very easy and user friendly process

    Very easy and user friendly process! Got a approved instantly and I am planning to open a checking and savings acct also. Will be recommending to friends and family.

    ...

  • author
    Brooklyn Native
    Jun 12, 2021
    Simply the best!!

    I decided to join PenFed Credit Union because of their great rates and services. Nearly 9 months later, they approved me for a very generous credit limit on their Platinum Rewards Visa Signature Credit Card. I couldn’t have been any happier. Thank you!!

    ...

  • author
    Pete Johnson
    Jun 12, 2021
    The best benk to sign up with.

    Ive had the best experience with a online sign up bank using the Penfed credit union.

    ...

  • author
    Bob
    Jun 11, 2021
    Great services and products

    Great services and products. Online application was easy to use. Quick response and great communication.

    ...

  • author
    Tara Haywood
    Jun 11, 2021
    Great Customer Service

    Great Customer Service.

    ...

  • author
    Dennis Heaberlin
    Jun 09, 2021
    PENFED employees are courteous

    PENFED employees are courteous, respectful, and professional! They helped me get a new truck loan when I was going thru a tough time from a divorce and they trusted me, which helped me out a lot! They just recently helped me get an pre-approval letter for a home loan which I'm currently searching for. Respectfully, Dennis Heaberlin

    ...

  • author
    Joy
    Jun 09, 2021
    Excellent professional help and very…

    Excellent professional help and very knowledgable about available services

    ...

  • author
    Yvonne Franklin
    Jun 06, 2021
    I apply for credit card a little more…

    I apply for credit card a little more information need Pinfed stayed on top of it I finally got the information back to them 2 days later that same day I returned my information I was approved great job, and great Team!

    ...

  • author
    Roy BAZEMORE
    Jun 06, 2021
    I have been with them over 20 years…

    I have been with them over 20 years it’s been a great experience no problems

    ...

  • author
    Tammy Ridings
    Jun 06, 2021
    They were very fast with an answer

    They were very fast with an answer

    ...

  • author
    Jason Trenkler
    Jun 05, 2021
    There is no other financial institution…

    There is no other financial institution that cares more about their members! Thank you PenFed!

    ...

  • author
    James Mulder
    Jun 03, 2021
    Fast no hassle response to my request

    Fast no hassle response to my request. Great credit union.

    ...

  • author
    BigTimTX
    Jun 03, 2021
    Great rates and nice product portfolio

    Very easy application process for credit cards and auto loans. Competitive rates and reasonable terms. Friendly and knowledgeable account folks.

    ...

  • author
    James J Scott
    Jun 03, 2021
    Very pleased with the outcome

    Very pleased with the outcome. Application was very easy.

    ...

  • author
    Brian Rose
    Jun 03, 2021
    Take your business elsewhere

    I called to increase my line of credit on my credit card. The idiot on the phone wound up giving me a second credit card and not increasing my limit. Why would I want two identical credit cards? Now it will hurt my hard earned credit score to get the new one removed. I have no closed accounts but thanks to PenFed, now I will. She was completely unclear on the phone and I would not recommend PenFed for anyone after this horrid experience.

    ...

  • author
    Guelo Benitez
    Jun 03, 2021
    servicio de exelencia

    servicio de exelencia

    ...

  • author
    George
    Jun 02, 2021
    Love the penfed credit union

    Love the penfed credit union, amazing people that care and truly help.

    ...

  • author
    AB The Kings Son
    Jun 02, 2021
    Easy app

    Easy to apply for services through the mobile app. Love PenFed 10/10

    ...

  • author
    Lizzette Irizarry
    Jun 02, 2021
    Very proffesional

    Very proffesional

    ...

  • author
    Mario J. Garcia
    Jun 02, 2021
    All services I have obtained from…

    All services I have obtained from PenFed have always been very Profesional and Courteous

    ...

  • author
    John Pilger
    Jun 01, 2021
    Just a perfect credit Union

    Just a perfect credit Union. Highly responsive staff works with you to solve any problem. Online loan application was fast, clear and easy with a rapid response on funding the loan. Probably the best credit union I have joined in the past 50 years.

    ...

  • author
    Tallal Hammoud
    Jun 01, 2021
    Easy application & immediate results

    Easy application & immediate results

    ...

  • author
    Bob Debbie Lavine
    May 30, 2021
    Great company great service

    Great company great service

    ...

  • author
    Gerald Estes
    May 30, 2021
    PenFed gave me an excellent offer.

    PenFed gave me an excellent offer to go along with my hard work keeping my credit.

    ...

  • author
    Beverly Hill
    May 30, 2021
    PenFed got my car loan approved at the…

    PenFed got my car loan approved at the payment amont I needed. They also processed my application for a credit card fast and efficiently. They are always helpful when I call and their online account info is so easy to accesss. They do a great job of trying to get your business, and keep your business. Great doing business with them.

    ...

  • author
    Chris Taylor
    May 28, 2021
    Good company

    Good company

    ...

  • author
    Carol Thomas
    May 27, 2021
    Application for a pre-approved credit…

    Application for a pre-approved credit card was a very easy and simple process.

    ...

  • author
    Steve
    May 27, 2021
    Great experience

    Process was easy rates are excellent i hope to do business for a long time.

    ...

  • author
    Tawfiq Hassan
    May 26, 2021
    The invitation received was accurate to…

    The invitation received was accurate to the last letter. Fast application with a fast response. Loved it.

    ...

  • author
    G Doyle
    May 26, 2021
    Dealing with PENFED has been…

    Dealing with PENFED has been "AWESOME"!!! Very friendly and professional. Great website, easy access and movement around the site. We are new customers but feel we have made a great choice for our future financial needs.

    ...

  • author
    Don Peckham
    May 26, 2021
    PenFed Loan was easy

    PenFed Loan was easy, no hassle, and fast. Thanks!

    ...

  • author
    Yolly Riv
    May 25, 2021
    The best Bank!!!!!!

    the best Bank!!!!!!

    ...

  • author
    Deborah J.
    May 25, 2021
    I received an offer to apply for PenFed…

    I received an offer to apply for PenFed credit card by email. The process was very quick and the rate is great!

    ...

  • author
    Sharon Tatum
    May 25, 2021
    This credit union is a “WOWZER”

    This credit union is a “WOWZER”. One can only say wow that was awesome. They have found ways to experience growth without ripping a person off with high loan fees and interests rates! My personal loan process was issue free. Filled out the application electronically and at the click of the next screen I was approved! Instantly approved!! WOW!! And they are a reputable creditor!!

    ...

  • author
    Consumer
    May 23, 2021
    No other company seemed reputable or…

    No other company seemed reputable or willing to help even though I have good credit. I was in-between jobs due to covid. Your company was very helpful 🙂

    ...

  • author
    Harold Fox
    May 22, 2021
    received mailing

    received mailing. quick app processing, decent rate

    ...

  • author
    Rashawn White
    May 19, 2021
    😁😁

    Penfed is the best for service members and veterans!!

    ...

  • author
    Leon
    May 18, 2021
    I FELT PENFED LOW BALLED MY CREDIT LINE

    I've read reviews of PenFed offering $20,000 CL & above to people out of Bankruptcy of two years or so. I don't have any Bankruptcy, not a single credit card late payment in history, no late payments in over Twenty years & a mortgage history of over twenty years without ever being late or missing a payment... All that being said , PenFed only offered me a $3500 CL when Navy Federal has given me CL over $18,000. I don't know why PenFed low balled me, but it is what it is.

    ...

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