Best Personal Loan Rates in Lake Stevens, Washington - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Lake Stevens, Washington include: Governmental Employees Credit UnionGovernmental Employees Credit UnionA5.0 ★Texas Ratio: 6.35% offering 2025 and newer (<15,000 miles): 1-36 months Loan at 3.99% APR, Horizon Credit UnionHorizon Credit UnionA+5.0 ★Texas Ratio: 1.46% offering Momentum Introductory Rate Loan at 4.99% APR, Sound Community BankSound Community BankA+5.0 ★Texas Ratio: 2.09% offering Electric/Hybrid 2024 and Newer Loan at 5.04% APR, IQ Credit UnionIQ Credit UnionA+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 UnionA+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 July 7, 2026 according to verified data from MonitorBankRates.
Lake Stevens borrowers have access to 33 lenders serving the Washington area, with personal loan rates as low as 3.99% APR from Governmental Employees 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 Lake Stevens, Washington.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lake Stevens, 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 7, 2026
Lake Stevens Personal Loan Rates
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For 3 months; As low as; Variable APR; Fixed APR
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No additional details available.
Loan To Value: 80%
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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As Low As; Borrow up to $2,500 with repayment terms up to 12 months.
Max. $2,500
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.
No additional details available.
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Maximum loan amount $10,000. Lowest rate includes discounts.*
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No additional details available.
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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As low as; Variable APR; Fixed APR
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requires 20% cash down
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As Low As; Include accessories in your loan (contact us for details)
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Max. $100,000
Max. $100,000
As low as; Variable APR; Fixed APR
As Low As; Rates and terms are at the discretion of the credit union and may be changed without notice.
As low as; Variable APR; Fixed APR
Max. $100,000
No additional details available.
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As low as; Click Here
As Low As; *
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Up to $40,000
Up to $40,000 limit
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As Low As; 0.25% discount for automatic debit payments from an account at any financial institution. Rate range 8.99% - 19.99% APR. Personal loan terms up to 60 months with fixed monthly rates.
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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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No additional details available.
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As Low As; Estimated Monthly Payment Examples: 24 monthly payments of $45.91 per $1,000 borrowed
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Fixed rate. $500-$2,500 loan amount. Enter to win one of two $100 gas cards or one of eight s'more kits with each approved loan application. Promotion expires July 31, 2026.
Max. $10,000
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As Low As; Personal Loan Rates are based on your credit history and credit qualifications.
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Max. $10,000
Max. $10,000
Max. $10,000
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As Low As; Up to $10,000
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As Low As; Tiered balance
minimum loan amount of $5,000
No additional details available.
Bill Consolidation, Current Living Expenses, Personal Line of Credit, Etc.
Maximum loan amount of $10,000.
As Low As; Rates and terms are at the discretion of the credit union and may be changed without notice.
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $26.08 per $1,000 borrowed
Fixed rate. Maximum loan amount: two times gross monthly income.
Personal line of credit. Pay interest on the money you use, payment amount is based on the amount you owe.
(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.
minimum loan amount of $7,500
Based on your credit worthiness
Based on your credit worthiness
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. Rates vary based on the length of the loan and your individual credit worthiness. All loan decisions are made right here. Free credit counseling is available. Come in or call us to speak with a loan officer or complete an online loan application.
12% up to $5,000
No additional details available.
Loan Range: $5,000-$25,000
Max. $500
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.
No additional details available.
As Low As; Tiered balance
As Low As; $10,000.01+
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $20.32 per $1,000 borrowed
APR* as low as
Based on your credit worthiness
Lake Stevens Personal Loan Rates
As low as; Click Here
No additional details available.
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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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As Low As; 0.25% discount for automatic debit payments from an account at any financial institution. Rate range 8.99% - 19.99% APR. Personal loan terms up to 60 months with fixed monthly rates.
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Max. $10,000
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No additional details available.
As Low As; Personal Loan Rates are based on your credit history and credit qualifications.
Max. $10,000
Max. $10,000
Max. $10,000
minimum loan amount of $5,000
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As Low As; Tiered balance
As Low As; Up to $10,000
No additional details available.
Maximum loan amount of $10,000.
As Low As; Rates and terms are at the discretion of the credit union and may be changed without notice.
Fixed rate. Maximum loan amount: two times gross monthly income.
minimum loan amount of $7,500
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. Rates vary based on the length of the loan and your individual credit worthiness. All loan decisions are made right here. Free credit counseling is available. Come in or call us to speak with a loan officer or complete an online loan application.
No additional details available.
As Low As; Tiered balance
As Low As; $10,000.01+
Lake Stevens Debt Consolidation Loan Rates
No additional details available.
Lake Stevens Signature Loan Rates
No additional details available.
Up to $40,000 limit
Up to $40,000
No additional details available.
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(unsecured)
12% up to $5,000
Lake Stevens, WA Personal Loan Rate Trends
Compare local Lake Stevens, 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 0.015 points over the past 7 days to 11.601% APR.
Washington signature loan rates currently average 10.244% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lake Stevens, 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 Lake Stevens, 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 Lake Stevens, 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 Lake Stevens, Washington?
What are the best personal loan rates in Lake Stevens, Washington?
- Governmental Employees Credit Union: 3.99% (2025 and newer (<15,000 miles): 1-36 months Loan)
- Horizon Credit Union: 4.99% (Momentum Introductory Rate 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)
Lake Stevens, Washington Rates & Resources
Personal Loan Calculators
