Members usually choose a personal loan for smaller amounts when they do not want to offer collateral to secure the loan.

The Advantages

• Rate is reduced 1/2% if you have direct deposit and checking (Premier Advantage member)*.
  
• Personal loans are usually disbursed the same day of closing
  
• You can take as long as 3 years to repay
  
• Payroll deduction makes it easy
  
• Your signature is your collateral (approval based on credit history)

How to Get Your Loan

FIVE EASY WAYS TO MAKE YOUR LOAN PAYMENT

ALL ARE FREE

• Payroll Deduction – if you work for PHS

• From you direct deposit  - if you work for someone other than PHS

• Automatic transfers from your account

• Online banking

• Collect Pay allows you to make a payment from another bank

      Click here for the link to set up your Collect Pay.

 

*Immediate family members of Premier Advantage members receive the same loan benefits if co-signed by the premier member.

*All rates and terms are subject to change.