Personal Loans With Partners Financial FCU in Richmond, VA

Personal loans can help you finance everything that life offers and throws your way. We offer unsecured personal loans, which means you don’t need to provide collateral. Plus, you’ll get great rates and generous loan terms. For our members in Richmond, VA, a personal loan can help you consolidate debt, pay for home improvements or repairs, book the vacation of your dreams, and more.

Get Pre-Approved Today!

Benefits of a Credit Union Personal Loan

At Partners Financial FCU, we make applying for a personal loan easy and stress-free. Your ability to qualify for a personal loan can have a major impact on your financial needs. Fortunately, our fast pre-approval process means you can find out the likely outcome ahead of time rather than being surprised in a high-pressure setting like a bank.

✔ Competitive APR*

Enjoy the same affordable annual percentage rate (APR) for the life of your loan so your money goes further.

✔ Fixed Rates and Fixed Payments

Fixed interest rates give you fixed monthly payments so it’s easy to budget and pay off this simple type of installment loan.

✔ Variety of Loan Terms

Choose a repayment term of up to five years so you get an affordable monthly payment and can meet your financial goals.

✔ Borrow Only What You Need  

Get a lump sum payment to achieve your dreams and goals or to pay bills without turning to a high-interest payday loan.

✔ Flexible Use of Funds  

You can use the money to pay for just about anything, including vacations, home improvement, medical bills, and debt consolidation. 

✔ No Collateral Needed  

Your personal loan is unsecured, so you don’t need to provide a cash deposit or another asset as collateral. 

✔ No Loan Origination Fee

We won’t charge you unnecessary fees, so your money stays in your pocket and you can access your full loan amount.

✔ No Prepayment Penalty 

If you get a raise or another source of cash flow, you can pay off your personal loan in full at any time without penalty. 

✔ Simple Application Process

Our online application portal is simple and secure and we’re committed to providing approvals as quickly as possible. All credit decisions are made inside one of our local Richmond branches

✔ Quick and Easy Access to Funds

You can get approved in as little as 30 minutes and receive the funds in your checking account in as little as 24 hours. Then use Online and Mobile Banking to make transfers or pay bills, or withdraw cash at an ATM or in a branch. 

✔ Personalized Local Service

We’re proud to serve the Richmond, VA  metro area, including Bon Air, Chester, Chesterfield, Henrico, Mechanicsville, Midlothian, Richmond, and Winterpock. We can answer questions and help you access other quality products and services.

Get Pre-Approved Today!

Rates for Personal Loans in Richmond, VA

Type of LoanLoan TermPlatinum Rate
Personal (Signature)10.49% APR*

*The Annual Percentage Rate (APR), amount financed and loan term may vary depending upon your creditworthiness. Please ask a loan officer for detailed information. Rates subject to change without notice.

How to Apply for Personal Loan

Personal loans are becoming more popular and accessible to everyone. Get fast approval for your Partners Financial FCU personal loan with our simple online application. It’s as easy as 1.2.3.

  1. Apply Now using our secure online portal
  2. Get Pre-Approved and find out your likely loan amount and rate.
  3. Get Paid into your checking account!

Get Pre-Approved Today!


“”I love banking with Partners Financial Federal Credit Union. I’ve been a member since 1990. They offer excellent rates on credit cards and loans, The Tellers are friendly and always smiling.”
– Katerina M., Richmond, VA

FAQ About Personal Loans

Personal loans are popular and accessible for good reasons. They’re particularly well-suited for covering unexpected or large expenses. Here are a few common questions and answers to help you find the right personal loan for you.

How do I apply for a personal loan?

There are three easy ways to apply for a personal loan from Partners Financial FCU. The easiest way is to apply online. You can also call us to complete an application or visit a location near you.

The information you’ll need to provide may include:

  • Legal name
  • Social Security number
  • Birthdate
  • Current address
  • Previous addresses and how long you lived there
  • Current employer information
  • Past employer information
  • Current occupation
  • Household income (gross, monthly or annual)
  • Sources of income
  • Information on existing lines of credit

When you apply, we’ll run a hard credit check that will temporarily affect your credit score. Your credit will bounce back once you’ve established a good repayment history.

How does Partners Financial FCU decide who to lend to?

We have established a formula to determine who we can offer to lend to. We look at different factors during the credit approval process to identify qualified borrowers. These factors include:

  • credit history
  • debt-to-income ratio
  • current living expenses

How are interest rates determined for your personal loans?

Your personal loan fixed rate is based on your risk profile. Higher credit scores mean lower risk and a lower interest rate, while lower credit scores mean higher risk and a higher interest rate.

When do I get the money once my personal loan is approved?

The amount of time it takes to disburse a borrower’s loan money can vary depending on a few factors. To make this process as quick as possible, ensure you have the appropriate documents ready. In general, loan disbursement takes place within 24 hours after approval.

What should I do once my loan funds are disbursed?

After getting your loan, keep your payments current. You likely won’t have a payment in the month you get your loan.

Read, and re-read your paperwork. It will include when and where you should make your payments. Take note of late fees or other fees that could change the amount of your payment. Understand if prepayment penalties exist. Be aware of the fine print.

What is the difference between interest rates and APRs?

The fixed interest rate for your personal loans is the amount you pay for borrowing money. Interest rate costs do not include origination fees or any other fees tied to your loan.

The APR includes all fees. The main benefit of APRs is that they allow you to compare offers from different lenders.

Can people with a lower credit score get a personal loan from Partners Financial FCU?

Partners Financial FCU offers lending options for people with varying credit scores. We provide some lending options for people with poor credit. A higher credit score boosts your chances of approval and helps you get the best rates possible.

Can I set up automatic payments for my personal loan?

Yes. Once you’ve received approval, you will be able to set up automatic payments on your account. Automatic payments require a checking account. It’s important to link these payments to an account that you know will have a high enough balance each month.

What if my payment arrives late?

If you make a payment that is later than the payment due date, then a late fee of $25.00 applies to your account.

Is it better to get a personal loan from a credit union?

Credit unions are member-owned not-for-profit financial institutions, so they pass on their profits to their members through lower rates and fewer fees. That alone means you’ll save money by financing through a credit union. But there are other benefits too. 

Credit unions are known for their outstanding local service and commitment to their community. Loan decisions are made locally and not by an impersonal algorithm, so you’ll have a much more personable experience. And credit union members enjoy special benefits that aren’t usually offered by the bigger banks.

Choose Partners Financial FCU for Your Personal Loan

Great rates and generous terms are just the beginning. When you get a personal loan from Partners Financial FCU in Richmond, VA, you gain a support network that is here to guide you through the next steps of your journey so you can enjoy peace of mind.

Get Pre-Approved Today!

Contact Us

Call: 804-649-2957
Toll-Free: 800-321-5617

You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).