Best Personal Loan Rates in Washington - June 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 Washington include: Governmental Employees Credit UnionGovernmental Employees Credit Union1811 N Hutchinson Rd, Spokane Valley, WA, 99212 2444A5.0 ★Texas Ratio: 6.35% offering 2025 and newer (<15,000 miles) Loan at 3.99% APR, 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, and 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. Personal loan rates as of June 16, 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 3.99% 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: June 16, 2026
Washington Personal Loan Rates
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Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required.
Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required.
Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required.
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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.
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Maximum loan amount $10,000. Lowest rate includes discounts.*
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Fixed rate, on loan amounts of $500 to $2,500.
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Make fixed low monthly payments at 0% interest with a 6.07% APR; Additional terms apply.
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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. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
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. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
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Highest APR: 7.25%
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requires 20% cash down
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As Low As; Include accessories in your loan (contact us for details); eBikes and pro-installed electric-assist motors qualify; Get the loan and then the bike, or buy the bike and we'll reimburse you.
Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle. 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.)
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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.
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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.
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Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.*
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Personal loan rates are based on your credit history and credit qualifications.
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Call for current Promotional Rates.
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As Low As; Processing Fee: $40
Highest APR: 17.99%
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Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
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*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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This no-frills unsecured loan can help out in a pinch.(1)(2)
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Personal loan rates are based on your credit history and credit qualifications.
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Washington Personal Loan Rates
Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle. 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.)
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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.
Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.*
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Personal loan rates are based on your credit history and credit qualifications.
Highest APR: 17.99%
Call for current Promotional Rates.
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Personal loan rates are based on your credit history and credit qualifications.
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Washington Debt Consolidation Loan Rates
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Washington Signature Loan Rates
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*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.(1)(2)
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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 fell 0.254 points over the past 7 days to 11.657% APR.
Washington signature loan rates rose 0.253 points over the past 7 days to 10.123% 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: 3.99% (2025 and newer (<15,000 miles) Loan)
- 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)
