Best Personal Loan Rates in Washington - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Washington include: Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit Union11201 SE 8th St, Bellevue, WA, 98004 6420A+5.0 ★Texas Ratio: 3.94% offering 60 Months Loan at 4.74% APR, Sound Community BankSound Community Bank4922 Bridgeport Way W, University Place, WA, 98467A+5.0 ★Texas Ratio: 2.09% offering Electric/Hybrid 2024 and Newer Loan at 5.04% APR, IQ Credit UnionIQ Credit Union1313 Main St, Vancouver, WA, 98660 2918A+5.0 ★Texas Ratio: 4.02% offering 2022 & Newer Loan at 5.44% APR, People\'s Community Federal Credit UnionPeople\'s Community Federal Credit Union7403 NE Hazel Dell Ave, Vancouver, WA, 98665 8310A+5.0 ★Texas Ratio: 0.00% offering 1st Deed of Trust Primary Residence 10 year Loan at 5.50% APR, and Rolling F Credit UnionRolling F Credit Union1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613A+5.0 ★Texas Ratio: 1.96% offering HOLIDAY/VACATION LOAN at 5.69% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Washington side-by-side. Washington personal loan rates currently start as low as 4.74% APR from Puget Sound Cooperative Credit Union at 11201 SE 8th St, Bellevue, WA, 98004 6420. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Washington.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Washington. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: July 6, 2026
Washington Personal Loan Rates
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
Loan To Value: 80%
As Low As
No additional details available.
As Low As; Borrow up to $2,500
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
No additional details available.
No additional details available.
No additional details available.
Maximum loan amount $10,000. Lowest rate includes discounts.*
No additional details available.
No additional details available.
Fixed rate, on loan amounts of $500 to $2,500.
No additional details available.
As Low As
Make fixed low monthly payments at 0% interest with a 6.07% APR; Additional terms apply
As Low As
No additional details available.
No additional details available.
Highest APR: 7.25%
No additional details available.
No additional details available.
requires 20% cash down
As Low As
As Low As; Include accessories in your loan (contact us for details)
No additional details available.
No additional details available.
As Low As; Rates and terms are at the discretion of the credit union and may be changed without notice.
No additional details available.
No additional details available.
As low as 7.85% APR!* APR = Annual Percentage Rate. On approved credit. Olympia Credit Union Equity in a 2nd rates as of November 23rd, 2022 range from 7.85% - 18.00% APR. Annual Percentage Rate 7.85% based on a $45,000.00 balance on a 60 month term will have a monthly payment of $915.27. Borrower's may be responsible for third party fees. Contact Olympia Credit Union for details.
No additional details available.
No additional details available.
No additional details available.
As Low As; *
No additional details available.
As low as; Click Here
No additional details available.
Up to $40,000 limit
Up to $40,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; *APR = ANNUAL PERCENTAGE RATE. RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
As Low As; $10,000 max per member
as low as
Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.*
As Low As
As Low As; 0.25% discount for automatic debit payments from an account at any financial institution. Rate range 8.99% - 19.99% APR. Personal loan terms up to 60 months with fixed monthly rates.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; Estimated Monthly Payment Examples: 24 monthly payments of $45.91 per $1,000 borrowed
As Low As; Personal loans up to $10,000
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; *
No additional details available.
No additional details available.
As Low As
Fixed rate. $500-$2,500 loan amount. Enter to win one of two $100 gas cards or one of eight s'more kits with each approved loan application. Promotion expires July 31, 2026.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Personal Loan Rates are based on your credit history and credit qualifications.
No additional details available.
Unsecured
No additional details available.
No additional details available.
As Low As; Processing Fee: $40
Highest APR: 17.99%
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
This no-frills unsecured loan can help out in a pinch.(1)(2)
As Low As
No additional details available.
As Low As; Financing up to $30,000
Convenient personal lending. Loan rate based on terms. See Notes and Fees for details.
No additional details available.
No additional details available.
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
No additional details available.
No additional details available.
As Low As; Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 206.398.5500 or 800.334.2489 for further details.
No additional details available.
minimum loan amount of $5,000
As Low As
As Low As; Rates and terms are at the discretion of the credit union and may be changed without notice.
Bill Consolidation, Current Living Expenses, Personal Line of Credit, Etc.
As Low As; Financing up to $30,000
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $26.08 per $1,000 borrowed
As Low As; Financing up to $30,000
Fixed rate. Maximum loan amount: two times gross monthly income.
No additional details available.
Personal line of credit. Pay interest on the money you use, payment amount is based on the amount you owe.
(unsecured)
Based on your credit worthiness
Based on your credit worthiness
As Low As; $13 per $100 borrowed
minimum loan amount of $7,500
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
As Low As; Financing up to $30,000
Loan Range: $5,000-$25,000
No additional details available.
12% up to $5,000
A Line of Credit, Overdraft, or Signature loan may be a good choice when you need to consolidate debts into a lower interest rate loan, pay for college tuition or a great vacation, car repairs, Christmas, and so many other needs that just happen. Rates vary based on the length of the loan and your individual credit worthiness. All loan decisions are made right here. Free credit counseling is available. Come in or call us to speak with a loan officer or complete an online loan application.
No additional details available.
Up to $20,000 (if qualified); Quick and easy funding; No collateral required
No additional details available.
No additional details available.
As Low As; Financing up to $30,000
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $20.32 per $1,000 borrowed
Currently as low as; *
APR* as low as
Based on your credit worthiness
Funds used to pay unpaid fines or fees restricting driving privileges. Rate not based on credit. Check issued to respective agency. Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
No additional details available.
As low as; APR*
As Low As
14.99% up to $10,000
As Low As
As low as; APR*
As Low As
No additional details available.
15.99% up to $15,000
No additional details available.
Currently as low as; *
**
As low as; APR*
As Low As
Loan amounts from $500 to $2,500. Rate range 21.99%-22.99%. Flex Loan terms up to 12 months with fixed monthly rates.
As Low As; Maximum Loan Amount: $1,500
Washington Personal Loan Rates
As low as; Click Here
No additional details available.
As Low As; *APR = ANNUAL PERCENTAGE RATE. RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
as low as
Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.*
As Low As
As Low As; 0.25% discount for automatic debit payments from an account at any financial institution. Rate range 8.99% - 19.99% APR. Personal loan terms up to 60 months with fixed monthly rates.
As Low As
No additional details available.
As Low As
Highest APR: 17.99%
No additional details available.
As Low As; Personal Loan Rates are based on your credit history and credit qualifications.
No additional details available.
No additional details available.
No additional details available.
As Low As; Financing up to $30,000
Convenient personal lending. Loan rate based on terms. See Notes and Fees for details.
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
No additional details available.
As Low As; Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 206.398.5500 or 800.334.2489 for further details.
minimum loan amount of $5,000
As Low As
As Low As; Financing up to $30,000
As Low As; Rates and terms are at the discretion of the credit union and may be changed without notice.
As Low As; Financing up to $30,000
Fixed rate. Maximum loan amount: two times gross monthly income.
minimum loan amount of $7,500
As Low As; Financing up to $30,000
A Line of Credit, Overdraft, or Signature loan may be a good choice when you need to consolidate debts into a lower interest rate loan, pay for college tuition or a great vacation, car repairs, Christmas, and so many other needs that just happen. Rates vary based on the length of the loan and your individual credit worthiness. All loan decisions are made right here. Free credit counseling is available. Come in or call us to speak with a loan officer or complete an online loan application.
No additional details available.
As Low As; Financing up to $30,000
Washington Debt Consolidation Loan Rates
No additional details available.
Washington Signature Loan Rates
No additional details available.
No additional details available.
Up to $40,000 limit
Up to $40,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; $10,000 max per member
No additional details available.
No additional details available.
No additional details available.
As Low As; *
Unsecured
As Low As
As Low As
This no-frills unsecured loan can help out in a pinch.(1)(2)
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
(unsecured)
12% up to $5,000
Up to $20,000 (if qualified); Quick and easy funding; No collateral required
No additional details available.
14.99% up to $10,000
15.99% up to $15,000
Washington Personal Loan Rate Trends
Compare local Washington personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Washington personal loan rates currently average 11.586% APR.
Washington signature loan rates currently average 10.244% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Washington personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Washington directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Washington. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in WA.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Washington?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Washington?
Are credit unions or banks better for personal loans in Washington?
What are the best personal loan rates in Washington?
- Puget Sound Cooperative Credit Union: 4.74% (60 Months Loan)
- Sound Community Bank: 5.04% (Electric/Hybrid 2024 and Newer Loan)
- IQ Credit Union: 5.44% (2022 & Newer Loan)
- People\'s Community Federal Credit Union: 5.50% (1st Deed of Trust Primary Residence 10 year Loan)
- Rolling F Credit Union: 5.69% (HOLIDAY/VACATION LOAN)
