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Personal Loans

Pay off high-interest debt or cover unexpected expenses.

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Personal Loan Rates as Low as

APR Effective 1/1/2022*


Personal Loan

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

With a BECU Personal Loan, you can cover most expenses. Borrow up to $15,000 to consolidate high interest rate balances into one low monthly payment. Or you can cover moving expenses, unexpected repairs and much more.

Funds are deposited directly into your BECU account for quick, easy access.

Benefits and Features

  • Rates are fixed, so your payment doesn't change.
  • Interest rates as low as 7.49% APR.
  • Up to $15,000 in one lump sum.
  • Flexible repayment terms.
  • Loan terms up to 72 months.
  • Easy application process.
  • No origination fees.

Our low interest rates can help you save more money while paying down debt. Use the debt consolidation calculator below to explore your options.

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 published rate).

Learn more 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

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. Payment example for a 4-year, $10,000 loan with an interest rate of 7.49%, the APR would be 7.49% with monthly payments of $241.74.