Personal Loan Rates as Low as
APR Effective 6/8/2026*
9.74
%
APR
Personal Loan
*See important information about rates, fees and other costs (PDF)
Borrow up to $50,0001 to cover unexpected expenses or combine existing payments into one fixed monthly payment. Funds are deposited directly into your BECU account for quick, easy access.
Consolidate high interest rate balances into one low monthly payment.
When the unexpected happens, the last thing you need is to worry about money. Personal loans can help you get access to the funds you need.
Whether you're moving or facing medical expenses, a personal loan can fund what matters.
Looking to tie the knot or travel to a new destination? A personal loan can help make your dreams a reality.
Personal Loan Benefits: Flexible Repayment Plans
- Fixed Personal Loan Rates: Rates are fixed, so your payment doesn't change.
- Competitive Interest Rates: Interest rates as low as 9.74% APR. Rates range from 9.74%-19.99% APR.
- Lump Sum Funds: Up to $50,000 in one lump sum.
- Same Day Personal Loans: Funds are typically available the same day or next business day after approval.
- Flexible Repayment Terms: Choose a repayment schedule that fits your budget, with loan terms up to 7 years (84 months).2
- Easy Application Process: Apply online in minutes with a simple, streamlined application.
- No Origination Fees: No upfront fees to apply or receive your loan.
Save by Consolidating Debt With a Personal Loan
Personal loan rates vary based on your financial profile and loan details, but fixed rates mean predictable monthly payments. Use the calculator below to estimate payments and see how debt consolidation with a personal loan could work for you.
Personal Loan FAQs: Understand Your Borrowing Options
To qualify for a personal loan, you'll need to meet standard lending criteria, which typically include having a credit history, a verifiable source of income and a manageable debt-to-income ratio. Lenders also review your credit score, recent credit activity and overall financial profile to determine eligibility.
Rates are set based on creditworthiness, loan amount and term.
A hard inquiry is captured on your credit report and indicates to other financial organizations that you have applied for credit. It may also impact your credit score. A soft inquiry does not impact your credit score and can only be seen by you if you request a copy of your credit report. Soft pulls have no impact on your credit score. To apply for a personal loan, BECU requires a hard credit pull.
A personal loan is unsecured and does not require any collateral.
After submitting the application, most members will have a loan decision within 24 hours. In some cases, additional information may be needed before a credit decision can be made.
If your loan is approved, you will receive a Loan Agreement requesting your signature. Once the loan agreement has been signed and returned the funds can be deposited into a BECU deposit account.
Depending on the selection at funding, your money will either be deposited into your bank account or sent directly to your creditors.
Contact BECU for Personal Loan Help
Start the process by opening a BECU account online, visiting a Neighborhood Financial Center, connecting via Video Banking, or calling 800-233-2328 to take advantage of our competitive rates and personalized service.
Loan Reprice Program
Members who make timely payments and maintain a good credit score may become eligible for an even lower rate3 on their BECU personal loan. Learn about Loan Reprice program
Optional Personal Loan Payment Protection
The Loan Payment Protection program (LPP) provides financial assistance during times of hardship. LPP is an optional benefit offered through BECU.
- Provides minimum monthly payments in case of involuntary job loss, disability or loss of life.
- Monthly program cost is based on loan balance and package options.
- To apply, call us at 800-233-2328 and ask about getting LPP added to your loan.
Related Loan Resources
1Financing is subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term and, loan amount) and may be higher than the lowest rates advertised. Your final APR may differ from your loan interest rate due to additional fees that may apply. Actual APR will be based on applicant creditworthiness, loan amount, and loan term and may be higher than the lowest rate advertised above. Loan program offered including rates, terms, and conditions are subject to change without notice.
2Advertised APR in effect as of 6/8/2026 and is based on a BECU member with an excellent credit score and a loan amount of $5,000 or greater. Actual APR will be based on applicant creditworthiness, loan amount, and loan term and may be higher than the lowest rate advertised above. Loan program offered including rates, terms, and conditions are subject to change without notice. Payment example for a 4-year, $25,000 loan with an interest rate of 9.99%, the APR would be 9.99% APR with monthly payments of $630.95.
3With a reprice, your rate cannot drop below the lowest current published rate. Loan products available for this benefit may change at any time, the reprice program may end at any time, and we may not be able to lower your rate with each evaluation.