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Personal Loans

Pay off high-interest debt or cover unexpected expenses.

Personal Loan Rates as Low as

APR Effective 5/13/2024*


Personal Loan

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

Borrow up to $30,000 to consolidate high-interest rate balances into one low monthly payment. Funds are deposited directly into your BECU account for quick, easy access.

Interest Rates / Decreasing
Debt Consolidation

Consolidate high interest rate balances into one low monthly payment.

Emergency Expenses

When the unexpected happens, the last thing you need is to worry about money. Get access to the funds you need.

Choose a direction
Major Expenses

Whether you're moving or facing medical expenses, a personal loan can fund what matters.

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Travel and Leisure

Looking to tie the knot or travel to a new destination? A personal loan can help make your dreams a reality.

Features and Benefits

  • Rates are fixed, so your payment doesn't change.
  • Interest rates as low as 9.99% APR.
  • Up to $30,000 in one lump sum.
  • Flexible repayment terms.
  • Loan terms up to 6 years (72 months).
  • Easy application process.
  • No origination fees.

Play With Numbers

Use debt consolidation and interest rate calculators below to explore your options.

Frequently Asked Questions

Your loan application will be evaluated based upon several factors, including the information provided by you and the credit bureaus, and your demonstrated ability to repay the loan.

Rates are set based on credit score(s), 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 will 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.

Loan Reprice Program

Members who make timely payments and maintain a good credit score may become eligible for an even lower rate on their BECU personal loan. Learn about Loan Reprice program

Protect Your Loan

The Loan payment protection program (LPP) provides financial assistance during times of hardship. LPP is an optional benefit offered through BECU.

  • Provides minimum monthly [auto, boat, RV, etc.] 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

Consumer Loan Payment Protection Contract (PDF)

Related Content

*Financing 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, age of collateral, loan-to-value, 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.