Splash Financial loans are available through an arrangement with PenFed Credit Union ("PenFed"). Your loan application will be submitted to PenFed and be evaluated at their sole discretion. Splash Financial loans are originated by PenFed Credit Union. This credit union is federally insured by the National Credit Union Administration (NCUA). PenFed will be the lender in any loan transaction, and will be solely responsible for the origination and servicing of your loan.