Washington Best Personal Loan Rates - August 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: Unitus Community Credit UnionUnitus Community Credit Union800 SE 192nd Ave, Vancouver, WA, 98683 9510A+5.0 ★Texas Ratio: 3.85% offering Personal Loan at 6.99% APR, Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit Union11201 SE 8th St, Bellevue, WA, 98004 6420A+5.0 ★Texas Ratio: 3.94% offering Personal/Signature loans at 7.74% APR, Longshore Federal Credit UnionLongshore Federal Credit Union3107 John Stevens Way, Hoquiam, WA, 98550A+5.0 ★Texas Ratio: 1.94% offering Signature Loans at 7.99% APR, WestEdge Federal Credit UnionWestEdge Federal Credit Union2501 James St, Bellingham, WA, 98225 3529A+5.0 ★Texas Ratio: 5.57% offering Signature Loan limit at 8.49% APR, and Mt Rainier Federal Credit UnionMt Rainier Federal Credit Union303 W Meeker, Puyallup, WA, 98371A+5.0 ★Texas Ratio: 0.29% offering Unsecured Loans / Signature / LOC at 8.49% APR. Personal loan rates as of August 28, 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 6.99% APR from Unitus Community Credit Union at 800 SE 192nd Ave, Vancouver, WA, 98683 9510. 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: August 28, 2026
Washington Personal Loan Rates
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.) Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle.
No additional details available.
No additional details available.
Up to $40,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
OAC
As Low As; $10,000 max per member
No additional details available.
Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.*
Rate range 8.99% - 19.99% APR. Lowest rate includes the following discount: 0.25% for automatic debit payments from an account at any financial institution.
No additional details available.
No additional details available.
As low as
As low as
As Low As
No additional details available.
No additional details available.
As Low As; Personal loans up to $10,000
As Low As
No additional details available.
No additional details available.
As Low As; See if you qualify!
$10,000
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
Call for current Promotional Rates.
Personal loan rates are based on your credit history and credit qualifications.
No additional details available.
No additional details available.
No additional details available.
Highest APR: 17.99%
As Low As; The Citizenship Express loan has a 0% option available with a processing fee of $40.
As Low As
As Low As; 9.00%
$10,000
$10,000
No additional details available.
Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Existing Progressions Credit Union loans do not qualify for these rates. Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
$10,000
No additional details available.
No additional details available.
No additional details available.
Personal loan rates are based on your credit history and credit qualifications.
RATE BASED ON CREDIT AND TERM / DISCOUNTS APPLIED
This no-frills unsecured loan can help out in a pinch.(1)(2)
As Low As
As Low As; Financing up to $30,000
No additional details available.
No additional details available.
Personal and auto loan rates include a .25% discount for auto-pay.
Personal loan rates include a .25% discount for auto-pay.
As Low As; minimum loan amount of $5,000
No additional details available.
As Low As; Balance tiers apply.
As Low As; Qualifying balance up to $10,000.00
No additional details available.
No additional details available.
As Low As; Rate effective August 26th, 2026, reflects any prepaid finance charges and is subject to change without notice. Other restrictions may apply. 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. Estimated monthly payment based on term of 60 months.
As Low As; 10.00%
Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Personal loan minimum amount $100, not to exceed $25,000.
Maximum loan amount of $10,000.
As Low As; Financing up to $30,000
As Low As
No additional details available.
Fixed rate. Maximum loan amount: two times gross monthly income.
As Low As; Financing up to $30,000
No additional details available.
No additional details available.
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.
As Low As; minimum loan amount of $7,500
No additional details available.
As Low As; Maximum Loan Amount: $4,000. The Citizenship Plus loan has a 0% option available with a processing fee of $13 per $100 borrowed.
No additional details available.
As Low As; 11.00%
As Low As; Financing up to $30,000
up to $5,000
No additional details available.
Fixed rate, fixed term loan for a specific expense; Borrow up to $20,000 (if qualified); Quick and easy funding; No collateral required
As Low As
No payment for 90 days Balances starting at $2,501
No additional details available.
No additional details available.
As Low As; Balance tiers apply.
As Low As; Qualifying balance over $10,000.01
As Low As; 12.00%
Signature loan up to $10,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier.
As Low As; Financing up to $30,000
No additional details available.
As Low As
As Low As; 12.50%
Signature loan up to $10,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier.
No additional details available.
As Low As
No additional details available.
Personal loan rates are based on your credit history and credit qualifications.
As Low As
up to $10,000
Signature loan up to $7,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier.
Personal loan rates are based on your credit history and credit qualifications.
Signature loan up to $4,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier.
As Low As
Signature loan up to $3,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier.
up to $15,000
Personal loan rates are based on your credit history and credit qualifications.
Personal loan rates are based on your credit history and credit qualifications.
As Low As
Washington Personal Loan Rates
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.) Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle.
No additional details available.
OAC
Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.*
Rate range 8.99% - 19.99% APR. Lowest rate includes the following discount: 0.25% for automatic debit payments from an account at any financial institution.
No additional details available.
No additional details available.
As Low As
$10,000
As Low As
Call for current Promotional Rates.
Personal loan rates are based on your credit history and credit qualifications.
Highest APR: 17.99%
As Low As; 9.00%
$10,000
$10,000
$10,000
No additional details available.
No additional details available.
Personal loan rates are based on your credit history and credit qualifications.
RATE BASED ON CREDIT AND TERM / DISCOUNTS APPLIED
As Low As; Financing up to $30,000
Personal and auto loan rates include a .25% discount for auto-pay.
As Low As; minimum loan amount of $5,000
As Low As; Balance tiers apply.
As Low As; Qualifying balance up to $10,000.00
No additional details available.
No additional details available.
As Low As; Rate effective August 26th, 2026, reflects any prepaid finance charges and is subject to change without notice. Other restrictions may apply. 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. Estimated monthly payment based on term of 60 months.
As Low As; 10.00%
Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Personal loan minimum amount $100, not to exceed $25,000.
Maximum loan amount of $10,000.
As Low As; Financing up to $30,000
No additional details available.
Fixed rate. Maximum loan amount: two times gross monthly income.
As Low As; Financing up to $30,000
No additional details available.
As Low As; minimum loan amount of $7,500
As Low As; 11.00%
As Low As; Financing up to $30,000
No additional details available.
As Low As; Balance tiers apply.
As Low As; Qualifying balance over $10,000.01
As Low As; 12.00%
Signature loan up to $10,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier.
As Low As; Financing up to $30,000
No additional details available.
As Low As; 12.50%
Signature loan up to $10,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier.
No additional details available.
Personal loan rates are based on your credit history and credit qualifications.
Signature loan up to $7,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier.
Personal loan rates are based on your credit history and credit qualifications.
Signature loan up to $4,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier.
Signature loan up to $3,000. Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier.
Personal loan rates are based on your credit history and credit qualifications.
Personal loan rates are based on your credit history and credit qualifications.
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
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.
As low as
As low as
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. Existing Progressions Credit Union loans do not qualify for these rates. Membership required. Must live, work, worship, or attend school within the state of Washington. A $20.00 membership fee may apply.
No additional details available.
This no-frills unsecured loan can help out in a pinch.(1)(2)
As Low As
No additional details available.
No additional details available.
Personal loan rates include a .25% discount for auto-pay.
No additional details available.
No additional details available.
No additional details available.
(unsecured)
No additional details available.
up to $5,000
Fixed rate, fixed term loan for a specific expense; Borrow up to $20,000 (if qualified); Quick and easy funding; No collateral required
No payment for 90 days Balances starting at $2,501
No additional details available.
No additional details available.
No additional details available.
up to $10,000
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 rose 0.701 points over the past 7 days to 11.675% APR.
Washington signature loan rates fell 0.250 points over the past 7 days to 9.895% APR.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current WA average personal loan APR of 11.67%, across the terms lenders serving Washington most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $234.61/mo | $165.30/mo | $130.87/mo | $110.40/mo |
| $10,000 | $469.22/mo | $330.59/mo | $261.74/mo | $220.81/mo |
| $15,000 | $703.83/mo | $495.89/mo | $392.62/mo | $331.21/mo |
| $25,000 | $1,173.04/mo | $826.48/mo | $654.36/mo | $552.01/mo |
| $35,000 | $1,642.26/mo | $1,157.07/mo | $916.11/mo | $772.82/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Washington
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the WA personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan — WA average | 11.67% | $392.62 | $3,846 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,304 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,839 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,431 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average — check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
About Our Washington Personal Loan Rate Database
Our Washington tables currently track 55 banks and credit unions offering personal, debt consolidation, and signature loans to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so what you compare here is what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified personal loan APR in our Washington database right now is 6.99% APR from Unitus Community Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.
How to Get the Best Personal Loan Rate in Washington
Prequalify With a Soft Credit Check
Most lenders serving Washington will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying — the advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Washington data, and many charge no origination fee. Membership is usually easier than expected — many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle → a secured Washington auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity → compare home equity rates, though your home becomes collateral
- Not urgent → building the money in a Washington high-yield savings account costs nothing and earns interest instead of paying it
Washington Financial Snapshot
Local demographics and economic context for borrowers — Source: U.S. Census Bureau
A $393 monthly loan payment is roughly 8.6% of the median individual income in Washington. Lenders generally want your total monthly debt payments — including housing — to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Washington.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid — fixed | ✗ Highest — variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks — appraisal and closing |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt — missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current WA average — or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds — you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
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 is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Washington?
- Unitus Community Credit Union: 6.99% (Personal Loan)
- Puget Sound Cooperative Credit Union: 7.74% (Personal/Signature loans)
- Longshore Federal Credit Union: 7.99% (Signature Loans)
- WestEdge Federal Credit Union: 8.49% (Signature Loan limit)
- Mt Rainier Federal Credit Union: 8.49% (Unsecured Loans / Signature / LOC)
