Personal Loans

SPE can customize a loan to meet your needs—whether it’s a bike to get around Penn State, improvements to your home, or anything in between.

And we handle all loan decisions and processing personally. So you can get on with your day-to-day, assured that your needs are being handled promptly.

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Competitively low rates and closing costs for a number of needs
Flexible terms, customized to your situation
A wide range of terms and lending options
Fixed interest rates on unsecured loans
Borrow up to $25,000
Terms up to 5 years
Local decision-making and processing
Helpful, personalized service throughout the entire process

Have a solution to needs before they even arise with an SPE Line of Credit. Draw from your line at any time, reusable without reapplying. Best of all, you only pay interest on the part that you use.

Competitively low rates and closing costs for a number of needs
Instant access to funds, whenever you need them
Reuse without reapplying
Only pay interest on the part used
Flexible terms, customized to your situation
A wide range of terms and lending options
Revolving line of credit
Borrow up to $20,000
Local decision-making and processing
Helpful, personalized service throughout the entire process

Get financing for your future based on your savings history in the past. By securing your loan with an SPE savings account, you can receive our lowest rates for a wide range of personal needs.

Our lowest rates and low closing costs for a number of needs
Deposited funds within SPE act as your collateral
Funds continue to earn interest
No need to draw from savings
Can be used to build or restore good credit
Flexible terms, customized to your situation
Local decision-making and processing
Helpful, personalized service throughout the entire process

Take advantage of competitive rates on our specialized bike loans.

Competitively low rates and closing costs for bicycle purchases
Flexible terms, customized to your situation
Fixed interest rates
Minimum loan amount $250
Maximum loan amount $4,000
Local decision-making and processing
Helpful, personalized service throughout the entire process