Best Personal Loan Rates in Lacey, Washington (WA) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Lacey, Washington include: Olympia Credit UnionOlympia Credit Union720 Sleater Kinney Rd SE, Lacey, WA, 98503 1139A5.0 ★Texas Ratio: 6.52% offering Signature Loans at 8.50% APR, Americas Federal Credit Union ACUAmericas Federal Credit Union ACU8308 Quinault DR NE, Lacey, WA, 98516A+5.0 ★Texas Ratio: 3.49% offering Personal Loans 0 - 24 Months at 9.23% APR, Harborstone Credit UnionHarborstone Credit Union1445 Galaxy Dr NE, Lacey, WA, 98516 4754A5.0 ★Texas Ratio: 7.16% offering Seasonal Loan at 9.24% APR, BECU Boeing Employees Credit UnionBECU Boeing Employees Credit Union1320 Marvin Rd NE STE C, Lacey, WA, 98516A+5.0 ★Texas Ratio: 2.18% offering Personal Loan at 9.74% APR, and Qualstar Credit UnionQualstar Credit UnionA+5.0 ★Texas Ratio: 5.04% offering Advantage Equity Loan (fixed) at 4.74% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Lacey has 4 local institutions in our database, with personal loan rates as low as 8.50% APR from Olympia Credit Union at 720 Sleater Kinney Rd SE, Lacey, WA, 98503 1139. Use the tabs below to compare all available personal loan types. 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 Lacey, Washington.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lacey, 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: April 9, 2026
As Low As; APR = Annual Percentage Rate. Olympia Credit Union automatically approved unsecured loan rates as of September 8, 2023 range from 8.50% APR - 18.00% APR up to a 36 month term based on applicants credit score of 680 or higher and other underwriting guidelines. Maximum loan amount is $3000.00. Rate may decrease by 0.25% with checking account and direct deposit. Must have timely pay history with Olympia Credit Union for 18 months and steady employment for 24 months. Restrictions apply. Rates subject to change without notice. Existing loans with Olympia Credit Union not eligible. Contact Olympia Credit Union for details.
No additional details available.
As Low As
As Low As
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As Low As; APR = Annual Percentage Rate. Olympia Credit Union automatically approved unsecured loan rates as of September 8, 2023 range from 10.00% APR - 18.00% APR up to a 36 month term based on applicants credit score of 650 to 679 and other underwriting guidelines. Maximum loan amount is $3000.00. Rate may decrease by 0.25% with checking account and direct deposit. Must have timely pay history with Olympia Credit Union for 18 months and steady employment for 24 months. Restrictions apply. Rates subject to change without notice. Existing loans with Olympia Credit Union not eligible. Contact Olympia Credit Union for details.
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Available up to 30 months OAC
$2,500; As Low As
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As Low As
No additional details available.
flexible repayment
Fixed rate, terms from 12 to 24 months on loan amounts of $500 to $2,500.
No additional details available.
Snohomish County; Available in Snohomish County; Maximum loan amount up to $50,000.00*
As Low As; 5-Year fixed rate
APR Range: 6.50%-12.25%
APR Range: 6.50%-12.25%
Available Statewide; Maximum loan amount up to $80,000.00*
As Low As
Solar loans will have a UCC Filing attached to them.
As Low As; *up to 180 months
$100,000; As Low As
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As Low As
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Unimproved Land, Origination Fees Apply. 50% Tax Asmnt to $50k, 70% of appraisal to $150k.
As Low As; Highest APR: 16.49%
Up to $5,000. Great for taxes, emergencies & vacations.
No additional details available.
Amortized over 15 years with a balloon due in 60 months
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As Low As
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Draw Period: 12 months; Maximum Amount: $50,000
As Low As
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As Low As; Rate based on creditworthiness and term of loan.
No additional details available.
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Amortized over 15 years with a balloon due in 60 months
Up to $40,000
No additional details available.
As Low As; Rate based on creditworthiness and term of loan.
No additional details available.
Maximum loan amount up to $50,000.00*
Land Loans available in Washington State only
No additional details available.
As Low As
No additional details available.
Available up to 24 months OAC; Regular APR: 16.99%
No additional details available.
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
As Low As; Up to 60 months & $10,000 max per member
As Low As; up to 48 months
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
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As Low As; On approval of credit, restrictions apply.
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As Low As; Personal loans up to $10,000
As Low As
Land Loans available in Washington State only
Up to $25,000 limit
No additional details available.
Up to a 72-month term.
No additional details available.
No additional details available.
As Low As
As Low As; up to 60 months (minimum loan amount of $5,000)
$10,000; As Low As
As Low As
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Call for current Promotional Rates.
As Low As; *up to 60 months
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As Low As
Land Loans available in Washington State only
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.
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As Low As
No additional details available.
Available up to 60 months OAC; Regular APR: 21.49%
No additional details available.
As Low As
As Low As; Consolidate higher rate debt with a Rivermark Personal Loan. Rates as low as 10.45% APR for a limited time.
No additional details available.
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As Low As
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.
As Low As; up to 72 months (minimum loan amount of $7,500)
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Up to $10,000; As Low As
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fixed rate
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
No additional details available.
No additional details available.
As Low As; On approval of credit, restrictions apply.
As Low As
As Low As
No additional details available.
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Personal Loan Special
No additional details available.
Fixed rate, terms up to 36 months. Maximum loan amount: two times gross monthly income.
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.
$1,000 individual, $2,000 family. Minimum $99 payments
No additional details available.
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
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As Low As
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As Low As
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As Low As; Rate based on creditworthiness and term of loan.
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Available up to 24 months OAC; Regular APR: 16.99%
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
As Low As; up to 48 months
As Low As
As Low As
No additional details available.
As Low As
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No additional details available.
As Low As; up to 60 months (minimum loan amount of $5,000)
$10,000; As Low As
As Low As
No additional details available.
As Low As
As Low As
Call for current Promotional Rates.
As Low As
As Low As
No additional details available.
As Low As
As Low As; Consolidate higher rate debt with a Rivermark Personal Loan. Rates as low as 10.45% APR for a limited time.
No additional details available.
No additional details available.
As Low As
(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
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
No additional details available.
No additional details available.
No additional details available.
Personal Loan Special
No additional details available.
Fixed rate, terms up to 36 months. Maximum loan amount: two times gross monthly income.
As Low As
(e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans
No additional details available.
No additional details available.
No additional details available.
As Low As; APR = Annual Percentage Rate. Olympia Credit Union automatically approved unsecured loan rates as of September 8, 2023 range from 8.50% APR - 18.00% APR up to a 36 month term based on applicants credit score of 680 or higher and other underwriting guidelines. Maximum loan amount is $3000.00. Rate may decrease by 0.25% with checking account and direct deposit. Must have timely pay history with Olympia Credit Union for 18 months and steady employment for 24 months. Restrictions apply. Rates subject to change without notice. Existing loans with Olympia Credit Union not eligible. Contact Olympia Credit Union for details.
As Low As
As Low As; APR = Annual Percentage Rate. Olympia Credit Union automatically approved unsecured loan rates as of September 8, 2023 range from 10.00% APR - 18.00% APR up to a 36 month term based on applicants credit score of 650 to 679 and other underwriting guidelines. Maximum loan amount is $3000.00. Rate may decrease by 0.25% with checking account and direct deposit. Must have timely pay history with Olympia Credit Union for 18 months and steady employment for 24 months. Restrictions apply. Rates subject to change without notice. Existing loans with Olympia Credit Union not eligible. Contact Olympia Credit Union for details.
Up to $5,000. Great for taxes, emergencies & vacations.
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.
As Low As
No additional details available.
As Low As; On approval of credit, restrictions apply.
Up to a 72-month term.
No additional details available.
Up to $25,000 limit
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; *up to 60 months
No additional details available.
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.
No additional details available.
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.
Lacey, WA Personal Loan Rate Trends
Compare local Lacey, WA 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 0.506 points over the past 7 days to 11.139% APR.
Washington signature loan rates rose 0.059 points over the past 7 days to 10.178% APR.
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 Lacey, Washington?
What are the best personal loan rates in Lacey, Washington?
- Olympia Credit Union: 8.50% (Signature Loans)
- Americas Federal Credit Union ACU: 9.23% (Personal Loans 0 - 24 Months)
- Harborstone Credit Union: 9.24% (Seasonal Loan)
- BECU Boeing Employees Credit Union: 9.74% (Personal Loan)
- Qualstar Credit Union: 4.74% (Advantage Equity Loan (fixed))
Personal Loan Calculators
