Best Personal Loan Rates in Washington (WA) - May 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: Governmental Employees Credit UnionGovernmental Employees Credit Union1811 N Hutchinson Rd, Spokane Valley, WA, 99212 2444A5.0 ★Texas Ratio: 6.35% offering Construction Loan at 4.99% APR, 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 - Max. at 5.69% APR, Cheney Federal Credit UnionCheney Federal Credit Union520 1ST ST, Cheney, WA, 99004 1603A+5.0 ★Texas Ratio: 1.29% offering Recreational Loans at 5.74% APR, Strait View Credit UnionStrait View Credit Union220 S Lincoln St, Port Angeles, WA, 98362 3003A+5.0 ★Texas Ratio: 1.25% offering Medical Loans at 6.00% APR, and Alaska Air Group Federal Credit UnionAlaska Air Group Federal Credit Union2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164A+5.0 ★Texas Ratio: 0.32% offering Credit Builder Loans at 6.00% APR. Personal loan rates as of May 22, 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 4.99% APR from Governmental Employees Credit Union at 1811 N Hutchinson Rd, Spokane Valley, WA, 99212 2444. 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: May 22, 2026
As Low As
$2,500; As Low As
As Low As
As Low As
No additional details available.
Fixed rate, terms from 12 to 24 months on loan amounts of $500 to $2,500.
No additional details available.
No additional details available.
Fixed 120 Months
APR Range: 6.50%-12.25%; Margin: -0.25%-5.50%; Floor Rate: 4.99%; Max Rate: 18.00%
APR Range: 6.50%-12.25%; Margin: -0.25%-5.50%; Floor Rate: 4.99%; Max Rate: 18.00%
requires 20% cash down
No additional details available.
As Low As
As Low As; Rates are based on your credit history and credit qualifications. Minimum loan amount is $250. Maximum loan repayment period is 48 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
As Low As
$100,000; As Low As
$100,000; As Low As
No additional details available.
$100,000; As Low As
No additional details available.
Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
Up to $40,000
Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
No additional details available.
No additional details available.
Regular APR: 8.79 - 18.00%
As Low As
As Low As; Up to 60 months & $10,000 max per member
As Low As
No additional details available.
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
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As; Personal loans up to $10,000
As Low As
No additional details available.
Up to a 72-month term.
Regular APR: 9.79 - 18.00%
As Low As
$10,000; As Low As
As Low As
No additional details available.
No additional details available.
Unsecured
As Low As; up to 48 months
As Low As
No additional details available.
Call for current Promotional Rates.
No additional details available.
Credit Score: 740+
As Low As
No additional details available.
up to 60 months
As Low As
As Low As
No additional details available.
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
$10,000; As Low As
$10,000; As Low As
No additional details available.
$10,000; As Low As
As Low As
Credit Score: 739 - 700
No additional details available.
Convenient personal lending.
As Low As
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
No additional details available.
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
No additional details available.
No additional details available.
As Low As
As Low As; up to 60 months (minimum loan amount of $5,000)
No additional details available.
As Low As
No additional details available.
Up to $10,000; As Low As
fixed rate
As Low As
No additional details available.
As Low As
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
As Low As
As Low As
Personal Loan Special: Tackle tax season with our Personal Loan Special! Get details.
As Low As
Fixed rate, terms up to 36 months. Maximum loan amount: two times gross monthly income.
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
No additional details available.
No additional details available.
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
As Low As; *Fixed rate, terms up to 60 months available depending on credit score and amount financed. Rate shown applies to Personal Unsecured, Autos, Boats and RVs 2016 or older model year vehicles or vehicles valued at under $10,000 and Cycle Products 2021 or older model year vehicles. OAC. APR = Annual Percentage Rate. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance, and your credit history. Secured and Unsecured Loans are available. Qualified borrowers can receive financing for personal loan needs including Dental, Vision, Cosmetics Procedures, Computers, Lawn Tractors, Older Autos, Snowmobiles, ATVs, Boats and RVs.
Varies on $ amount; (unsecured)
As Low As; Processing Fee: $13 per $100 borrowed
As Low As; up to 72 months (minimum loan amount of $7,500)
No additional details available.
No additional details available.
As Low As; Loan Range: $5,000-$25,000
As Low As
up to $8000
No additional details available.
fixed rate
As Low As; Rates* start at 12%
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
As Low As; This no-frills unsecured loan can help out in a pinch.(1)(2)
As Low As; Up to 72-month term; Fixed rate, fixed term loan for a specific expense; Borrow up to $20,000 (if qualified); Quick and easy funding; No collateral required
No additional details available.
No additional details available.
$10,000.01+; As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
Credit Score: 699 - 660
Funds used to pay unpaid fines or fees restricting driving privileges. 14% APR, Rate not based on credit. Max term 36 months. Check issued to respective agency
No additional details available.
As Low As
As Low As
As Low As
Credit Score: 659 - 610
As Low As
As Low As
Regular APR: 15.99%
No additional details available.
Up to a 72-month term.
No additional details available.
Credit Score: 609 - 560
As Low As; Rates are based on your credit history and credit qualifications. Minimum loan amount is $250. Maximum loan repayment period is 48 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
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
$10,000; As Low As
As Low As
As Low As; up to 48 months
No additional details available.
Credit Score: 740+
Call for current Promotional Rates.
As Low As
$10,000; As Low As
$10,000; As Low As
$10,000; As Low As
Credit Score: 739 - 700
As Low As
Convenient personal lending.
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
No additional details available.
As Low As
As Low As; up to 60 months (minimum loan amount of $5,000)
No additional details available.
As Low As
No additional details available.
Up to $10,000; As Low As
fixed rate
No additional details available.
As Low As
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
Personal Loan Special: Tackle tax season with our Personal Loan Special! Get details.
As Low As
Fixed rate, terms up to 36 months. Maximum loan amount: two times gross monthly income.
No additional details available.
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
As Low As; up to 72 months (minimum loan amount of $7,500)
As Low As; Rates* start at 12%
up to $8000
As Low As
No additional details available.
$10,000.01+; As Low As
As Low As
No additional details available.
Credit Score: 699 - 660
Credit Score: 659 - 610
No additional details available.
Credit Score: 609 - 560
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Up to $40,000
No additional details available.
No additional details available.
As Low As; Up to 60 months & $10,000 max per member
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
Up to a 72-month term.
As Low As
No additional details available.
Unsecured
up to 60 months
As Low As
As Low As
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
No additional details available.
As Low As
No additional details available.
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
No additional details available.
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
No additional details available.
Varies on $ amount; (unsecured)
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
As Low As; This no-frills unsecured loan can help out in a pinch.(1)(2)
As Low As; Up to 72-month term; Fixed rate, fixed term loan for a specific expense; Borrow up to $20,000 (if qualified); Quick and easy funding; No collateral required
No additional details available.
Up to a 72-month term.
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 rose 0.280 points over the past 7 days to 11.876% APR.
Washington signature loan rates rose 0.167 points over the past 7 days to 10.294% 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?
- Governmental Employees Credit Union: 4.99% (Construction Loan)
- Rolling F Credit Union: 5.69% (HOLIDAY/VACATION LOAN - Max.)
- Cheney Federal Credit Union: 5.74% (Recreational Loans)
- Strait View Credit Union: 6.00% (Medical Loans)
- Alaska Air Group Federal Credit Union: 6.00% (Credit Builder Loans)
