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Personal Loans

Simplify your game plan!

Consolidate debt and much more with a Personal Loan.


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An AgFed Personal Loan is the perfect solution to help pay for unexpected expenses, large purchases, debt consolidation, fund a passion project or use for about any other purpose. The possibilities are endless. With competitive rates and member-friendly terms, an AgFed Personal Loan will carry you through. And to help you save even more in the new year, apply today and you'll receive a 0.50% rate discount off your approved rate!2

Approved members will enjoy:

  • Loan amounts of $500 to $30,000
  • Flexible repayment terms up to 60 months
  • No prepayment penalty
  • Predictable payments for the life of your loan
  • Loan payment protection available

Use our budget calculator to help you plan.

Protect your family, your lifestyle and your credit

Protecting what’s important in your life is easy and affordable with AgFed’s Member Loan Protection. This voluntary loan payment protection offers relief from the financial burden of delinquency or default if a protected life event happens to you, such as disability or loss of life. Speak with a representative today to enroll.

Personal Loan FAQs

Personal Loan

Loan Type Maximum Term APR (1) as low as
Fixed up to 12 months 9.74%
Fixed up to 24 months 10.24%
Fixed up to 36 months 10.74%
Fixed up to 48 months 11.74%
Fixed up to 60 months 12.24%


Example payment: The estimated monthly payment for a $1,000 personal loan with a 12-month term at a rate of 9.74% APR is $87.81.

(1) APR is Annual Percentage Rate. Rates are subject to change without notice. Rate may vary as it is determined by an evaluation of credit, amount, term and other factors. Term is determined by loan amount. Actual rate may vary. All loans are subject to credit approval. Certain restrictions and conditions may apply. Post-secondary school loans not eligible.