Personal Loans

Personal Loans

Consolidate debt at a great low rate.

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Personal Loan Rates as Low As

APR Effective 7/1/2020*


Personal Loan Rate for Loans Over $1,000

*See important information about rates, fees and other costs (.pdf)

Personal loans are disbursed in a lump sum, and require no application fees and no collateral. Borrow up to $15,000 for small expenses or to consolidate debt. With an easy application process, flexible repayment terms and easy online account access, a personal loan could be the right choice for you.

Have You Been Affected by COVID-19?

Members impacted by loss of income due to COVID-19, may qualify for a no interest, 0% APR personal loan for up to $1000.

Learn more about Income Interruption Loans

Do the Math on Debt Consolidation

Use our easy tool to see how much you could save by consolidating your debts - including auto loans, credit cards and more - at a potentially lower interest rate.

Evaluate and compare your debt consolidation option

Earn a Better Rate

We periodically evaluate the credit rating of each member who has a credit card, personal line of credit, personal loan, auto loan, boat loan or RV loan with BECU. If you've improved your credit score sufficiently and your account is in good standing, you may earn a better rate (if you're not already receiving our lowest rate). We'll update your APR and let you know.

Learn more about Loan Reprice program

Protect Your Family, and Your Loan

Want to protect your family if you temporarily can't make your loan payments? Consider Loan Payment Protection.

Protection is an optional program that may help safeguard your family financially if you're injured or lose your job.

  • Package options include: life, disability and involuntary unemployment
  • The cost is based on the package options you choose and your monthly outstanding loan balance

After financing is complete you may add Loan Payment Protection to your loan by calling us at 800-233-2328 or by visiting a BECU Neighborhood Financial Center.

Make the Right Choice for You

Not sure if a personal loan is right for you? Come see us and we'll discuss your options.

Make an Appointment

** Financing is subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify. Advertised APR is based on loan financing up to $1,000 with 12 monthly payments of $83.33 at 0% APR.

***No payment for 90 days is optional.