Personal finance loans adoption by individual investors is enhancing short-term speculative plays in volatile sectors. Commodity-linked equities rallied 7% this quarter, partially due to leveraged buying supported by favorable consumer lending conditions. Read more: 30% of US drivers switched car insurance in the last five years. Here's how much they saved — and how you can cut your own bills ASAP Pentagon Federal Credit Union (better known as PenFed) is a credit union based in Virginia that operates nationwide via its online banking products and massive ATM network. June trading sessions revealed a strong correlation between personal finance loans and stock buy-ins during breakout patterns. Tech-heavy portfolios financed through retail loans have delivered median monthly returns of 4.7%, outpacing self-funded accounts.