Best Personal Loan Rates in Orcas, Washington - July 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 Orcas, Washington include: Horizon Credit UnionHorizon Credit UnionA+5.0 ★Texas Ratio: 1.46% offering Momentum Introductory Rate Loan at 4.99% APR, Idaho Central Credit UnionIdaho Central Credit UnionA+5.0 ★Texas Ratio: 3.86% offering 48 months Loan at 5.29% APR, IQ Credit UnionIQ Credit UnionA+5.0 ★Texas Ratio: 4.02% offering 2022 & Newer Loan at 5.44% APR, Governmental Employees Credit UnionGovernmental Employees Credit UnionA5.0 ★Texas Ratio: 6.35% offering Construction Loan at 5.50% APR, and Great Northwest Federal Credit UnionGreat Northwest Federal Credit UnionA+5.0 ★Texas Ratio: 4.05% offering New or Used Loan at 5.69% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Orcas borrowers have access to 50 lenders serving the Washington area, with personal loan rates as low as 4.99% APR from Horizon Credit Union. 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 Orcas, Washington.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Orcas, 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 25, 2026
Orcas Personal Loan Rates
For 3 months; For 3 months
As Low As; The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
No additional details available.
No additional details available.
APR = Annual Percentage Rate. Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. NMLS ID #421669.
APR = Annual Percentage Rate. Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. NMLS ID #421669.
APR = Annual Percentage Rate. Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. NMLS ID #421669.
As Low As; The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
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.
Max. $2,500
As Low As; Borrow up to $2,500 with repayment terms up to 12 months.
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 vehicle age, credit history, and underwriting criteria. Rates updated daily.
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 96 months
Up to $3,000
No additional details available.
No additional details available.
No additional details available.
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms from 12 to 24 months on loan amounts of $500 to $2,500.
No additional details available.
Make fixed low monthly payments at 0% interest with a 6.07% APR. Additional terms apply. Personal Loan Rates are based on your credit history and credit qualifications.
No additional details available.
No additional details available.
Highest APR: 7.25%
No additional details available.
The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Interest rates and APRs are subject to change without notice.
The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Interest rates and APRs are subject to change without notice.
As low as; As low as
As low as; As low as
requires 20% cash down
As Low As; Include accessories in your loan (contact us for details). Personal Loan Rates are based on your credit history and credit qualifications.
As Low As
Max. $100,000
*See Below
As low as; As low as
As Low As; Interest rates and fees are determined by loan type based in part on an evaluation of the member's credit experience. Rates and terms are at the discretion of the credit union and may be changed without notice. For more information, call us at (800) 696-8830 or visit us online at www.northcoastcu.com .
No additional details available.
As low as; As low as
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.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
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.
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; $10,000 max per member
as low as
No additional details available.
As Low As
As low as
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; 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; Rates are subject to change.
Fixed rate. Example: $2,500 loan amount at 9.95% fixed rate with 12 monthly payments of approximately $220. On approved credit. Odds of receiving a prize depend on the total number of eligible approvals. One entry is granted per approved application. Promotion expires July 31, 2026.
Max. $10,000
As Low As
No additional details available.
Highest APR: 17.99%
As low as
As Low As; Processing Fee: $40
No additional details available.
No additional details available.
Call for current Promotional Rates.
As Low As
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.
No additional details available.
As Low As
As Low As
Rates are subject to change without notice. Effective as of 1-1-2026.
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.
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.
*See Below
No additional details available.
No additional details available.
No additional details available.
As Low As
This no-frills unsecured loan can help out in a pinch.
Financing (up to) $30,000
Convenient personal lending. Loan rate based on terms.
No additional details available.
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
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.
No additional details available.
No additional details available.
minimum loan amount of $5,000
As Low As; 60 Month Term
As Low As; Maximum Loan Amount: $40,000
Financing (up to) $30,000
Personal loan minimum amount $100, not to exceed $25,000.
As Low As; Interest rates and fees are determined by loan type based in part on an evaluation of the member's credit experience. Rates and terms are at the discretion of the credit union and may be changed without notice. For more information, call us at (800) 696-8830 or visit us online at www.northcoastcu.com .
As Low As; variable rate; Regular APR: 11.24%
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $26.08 per $1,000 borrowed
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $26.08 per $1,000 borrowed
Financing (up to) $30,000
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 36 months. Maximum loan amount: two times gross monthly income.
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.
(unsecured)
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.
No additional details available.
minimum loan amount of $7,500
As Low As; $13 per $100 borrowed processing fee. The Citizenship Plus loan has a 0% option available with a processing fee of $13 per $100 borrowed.
Rates are subject to change without notice. Effective as of 1-1-2026.
Rates are subject to change without notice. Effective as of 1-1-2026.
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.
Payday advantage loan amount limited to 20% of gross monthly income, up to a maximum of $600. Minimum loan amount is $200. Payment is due in two monthly payments of equal amounts. Limited to no more than three payday advantage loans within the past six months.
Max. $500
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.
After that, your APR will vary with the market based on the prime rate. Your rate is based on your credit qualification and the VISA Credit Card that you select.
As Low As; 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.
Financing (up to) $30,000
As Low As; variable rate; Regular APR: 13.24%
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $20.32 per $1,000 borrowed
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $20.32 per $1,000 borrowed
Orcas Personal Loan Rates
As Low As
As Low As
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
As Low As; Personal loans up to $10,000
As Low As
As Low As
Max. $10,000
Highest APR: 17.99%
As low as
Call for current Promotional Rates.
As Low As
As Low As; Personal Loan Rates are based on your credit history and credit qualifications.
No additional details available.
*See Below
No additional details available.
No additional details available.
Convenient personal lending. Loan rate based on terms.
Financing (up to) $30,000
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
As Low As; Maximum Loan Amount: $40,000
As Low As; 60 Month Term
No additional details available.
minimum loan amount of $5,000
No additional details available.
As Low As; Interest rates and fees are determined by loan type based in part on an evaluation of the member's credit experience. Rates and terms are at the discretion of the credit union and may be changed without notice. For more information, call us at (800) 696-8830 or visit us online at www.northcoastcu.com .
Financing (up to) $30,000
Personal loan minimum amount $100, not to exceed $25,000.
Financing (up to) $30,000
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 36 months. Maximum loan amount: two times gross monthly income.
minimum loan amount of $7,500
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.
Financing (up to) $30,000
Orcas Debt Consolidation Loan Rates
Orcas Signature Loan Rates
No additional details available.
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.
As Low As; $10,000 max per member
No additional details available.
No additional details available.
As low as
No additional details available.
No additional details available.
As low as; Rates are subject to change.
No additional details available.
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.
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.
This no-frills unsecured loan can help out in a pinch.
As Low As
No additional details available.
No additional details available.
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.
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.
(unsecured)
No additional details available.
12% up to $5,000
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; 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.
Orcas, WA Personal Loan Rate Trends
Compare local Orcas, 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 0.006 points over the past 7 days to 12.073% APR.
Washington signature loan rates currently average 10.114% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Orcas, 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 Orcas, 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 Orcas, 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 Orcas, Washington?
What are the best personal loan rates in Orcas, Washington?
- Horizon Credit Union: 4.99% (Momentum Introductory Rate Loan)
- Idaho Central Credit Union: 5.29% (48 months Loan)
- IQ Credit Union: 5.44% (2022 & Newer Loan)
- Governmental Employees Credit Union: 5.50% (Construction Loan)
- Great Northwest Federal Credit Union: 5.69% (New or Used Loan)
Personal Loan Calculators
