Current personal loan options available to borrowers in Mica, Washington include: Unitus Community Credit UnionUnitus Community Credit UnionA+5.0 ★Texas Ratio: 2.83% offering Personal Loan at 6.99% APR, Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit UnionA+5.0 ★Texas Ratio: 4.17% offering Personal/Signature loans at 7.74% APR, Longshore Federal Credit UnionLongshore Federal Credit UnionA+5.0 ★Texas Ratio: 1.76% offering Signature Loans at 7.99% APR, WestEdge Federal Credit UnionWestEdge Federal Credit UnionA+5.0 ★Texas Ratio: 3.05% offering Signature Loan limit at 8.49% APR, and Mt Rainier Federal Credit Union offering Unsecured Loans / Signature / LOC at 8.49% APR. Personal loan rates as of September 9, 2026 according to verified data from MonitorBankRates.
Mica borrowers have access to 56 lenders serving the Washington area, with personal loan rates as low as 6.99% APR from Unitus Community Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 Mica, Washington.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Mica, 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: September 9, 2026
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.)
No additional details available.
APR range: 7.99% - 18.00%
Up to $40,000; APR range: 8.49% - 17.99%
APR range: 8.49% - 17.99%
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.
Estimated Payment Example $229 a month for 24 months, $5,000 loan at 9.23%; APR range: 9.23% - 17.50%
As low as
As low as
As Low As
Estimated Payment Example $160 a month for 36 months, $5,000 loan at 9.48%; APR range: 9.48% - 18.00%
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.
Credit Score: 740+; APR = Annual Percentage Rate. Personal loan rates are based on your credit history and credit qualifications.
No additional details available.
EXAMPLE PAYMENTS: EZ Line of Credit: $115.67 a month based on a 60 month, $5,000.00 loan at 13.74%; Signature Loan: $106.21 a month based on a 60 month, $5,000.00 loan at 9.99%. EXAMPLE PAYMENTS: Savings Secured: $97.83 a month based on a 60 month, $5,000.00 loan at 6.50%. The APR on all loans without automatic payment will be 0.25% higher. Refer to the Credit and Security Agreement for specific disclosures. EZ Line of Credit, Signature, Savings Secured, and Certificate Secured loans are available for individuals residing in CO, OR, and WA. See Product Information >
No additional details available.
Unsecured
Highest APR: 17.99%
As Low As
As Low As; 9.00%
The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. A 6-month loan for $2,500 at 10.04% APR would be a payment of $428.95 per month. Rates updated daily.
$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. Call for more details. Consumer loan payment example: Signature loan for $3,000.00 for a 36 month term at 10.24% APR will have a monthly payment of $97.17. 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.
$10,000
Estimated Payment Example $128 a month for 48 months, $5,000 loan at 10.46%; APR range: 10.46% - 15.88%
APR range: 10.49% - 18.00%
No additional details available.
Credit Score: 739 - 700; APR = Annual Percentage Rate. Personal loan rates are based on your credit history and credit qualifications.
This no-frills unsecured loan can help out in a pinch.(1)(2)
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. A 36-month loan for $2,500 at 10.74% APR would be a payment of $81.54 per month. Rates updated daily.
No additional details available.
Estimated Monthly Payment Examples: $257.26 a month based on 4 year term, $10,000 loan at 10.74% APR. Personal and auto loan rates include a .25% discount for auto-pay.
No additional details available.
As Low As; minimum loan amount of $5,000
No additional details available.
As Low As; Qualifying balance up to $10,000.00
No additional details available.
No additional details available.
APR=Annual Percentage Rate. Rate effective September 2nd, 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
As Low As; 10.00%
Personal loan minimum amount $100, not to exceed $25,000.
Maximum loan amount of $10,000.
As low as
As Low As
No additional details available.
Fixed rate. Maximum loan amount: two times gross monthly income.
As low as
Estimated Payment Example $110 a month for 60 months, $5,000 loan at 11.51%; APR range: 11.51% - 16.93%
The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. A 72-month loan for $2,500 at 11.64% APR would be a payment of $48.41 per month. Rates updated daily.
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.
Loan Range: $5,000-$25,000
As Low As; 11.00%
As low as
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. A 84-month loan for $2,500 at 12.14% APR would be a payment of $44.32 per month. Rates updated daily.
No additional details available.
As Low As; Borrow up to $20,000 (if qualified); Fixed rate, fixed term loan for a specific expense; Quick and easy funding; No collateral required
As Low As
No additional details available.
No additional details available.
As Low As; Balance over $10,000.01
As Low As; 12.00%
Credit Rating: A++; Signature
As low as
Estimated Payment Example $202 a month for 72 months, $10,000 loan at 13.25%; APR range: 13.25% - 15.48%
As Low As
As Low As
As Low As; 12.50%
Credit Rating: A+; Signature
Estimated Payment Example $369 a month for 84 months, $20,000 loan at 13.50%; APR range: 13.50% - 15.73%
As Low As
No additional details available.
Credit Score: 699 - 660; APR = Annual Percentage Rate. Personal loan rates are based on your credit history and credit qualifications.
As Low As
14.99% up to $10,000
Credit Rating: A; Signature
Credit Score: 659 - 610; APR = Annual Percentage Rate. Personal loan rates are based on your credit history and credit qualifications.
Credit Rating: B; Signature
As Low As
Credit Rating: C; Signature
15.99% up to $15,000
Credit Score: 609 - 560; APR = Annual Percentage Rate. Personal loan rates are based on your credit history and credit qualifications.
Credit Score: 559 or below; APR = Annual Percentage Rate. Personal loan rates are based on your credit history and credit qualifications.
As Low As
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.)
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.
Estimated Payment Example $229 a month for 24 months, $5,000 loan at 9.23%; APR range: 9.23% - 17.50%
Estimated Payment Example $160 a month for 36 months, $5,000 loan at 9.48%; APR range: 9.48% - 18.00%
As Low As
$10,000
As Low As
Call for current Promotional Rates.
Credit Score: 740+; APR = Annual Percentage Rate. 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
Estimated Payment Example $128 a month for 48 months, $5,000 loan at 10.46%; APR range: 10.46% - 15.88%
APR range: 10.49% - 18.00%
Credit Score: 739 - 700; APR = Annual Percentage Rate. Personal loan rates are based on your credit history and credit qualifications.
As low as
Estimated Monthly Payment Examples: $257.26 a month based on 4 year term, $10,000 loan at 10.74% APR. Personal and auto loan rates include a .25% discount for auto-pay.
As Low As; minimum loan amount of $5,000
As Low As; Qualifying balance up to $10,000.00
No additional details available.
No additional details available.
APR=Annual Percentage Rate. Rate effective September 2nd, 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
As Low As; 10.00%
Personal loan minimum amount $100, not to exceed $25,000.
Maximum loan amount of $10,000.
As low as
No additional details available.
Fixed rate. Maximum loan amount: two times gross monthly income.
As low as
Estimated Payment Example $110 a month for 60 months, $5,000 loan at 11.51%; APR range: 11.51% - 16.93%
As Low As; minimum loan amount of $7,500
As Low As; 11.00%
As low as
No additional details available.
As Low As; Balance over $10,000.01
As Low As; 12.00%
As low as
Estimated Payment Example $202 a month for 72 months, $10,000 loan at 13.25%; APR range: 13.25% - 15.48%
As Low As; 12.50%
Estimated Payment Example $369 a month for 84 months, $20,000 loan at 13.50%; APR range: 13.50% - 15.73%
Credit Score: 699 - 660; APR = Annual Percentage Rate. Personal loan rates are based on your credit history and credit qualifications.
Credit Score: 659 - 610; APR = Annual Percentage Rate. Personal loan rates are based on your credit history and credit qualifications.
Credit Score: 609 - 560; APR = Annual Percentage Rate. Personal loan rates are based on your credit history and credit qualifications.
Credit Score: 559 or below; APR = Annual Percentage Rate. Personal loan rates are based on your credit history and credit qualifications.
No additional details available.
No additional details available.
APR range: 7.99% - 18.00%
Up to $40,000; APR range: 8.49% - 17.99%
APR range: 8.49% - 17.99%
No additional details available.
No additional details available.
As Low As; $10,000 max per member
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.
EXAMPLE PAYMENTS: EZ Line of Credit: $115.67 a month based on a 60 month, $5,000.00 loan at 13.74%; Signature Loan: $106.21 a month based on a 60 month, $5,000.00 loan at 9.99%. EXAMPLE PAYMENTS: Savings Secured: $97.83 a month based on a 60 month, $5,000.00 loan at 6.50%. The APR on all loans without automatic payment will be 0.25% higher. Refer to the Credit and Security Agreement for specific disclosures. EZ Line of Credit, Signature, Savings Secured, and Certificate Secured loans are available for individuals residing in CO, OR, and WA. See Product Information >
Unsecured
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. A 6-month loan for $2,500 at 10.04% APR would be a payment of $428.95 per month. Rates updated daily.
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. Call for more details. Consumer loan payment example: Signature loan for $3,000.00 for a 36 month term at 10.24% APR will have a monthly payment of $97.17. 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.
No additional details available.
This no-frills unsecured loan can help out in a pinch.(1)(2)
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. A 36-month loan for $2,500 at 10.74% APR would be a payment of $81.54 per month. Rates updated daily.
No additional details available.
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. A 72-month loan for $2,500 at 11.64% APR would be a payment of $48.41 per month. Rates updated daily.
No additional details available.
No additional details available.
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. A 84-month loan for $2,500 at 12.14% APR would be a payment of $44.32 per month. Rates updated daily.
As Low As; Borrow up to $20,000 (if qualified); Fixed rate, fixed term loan for a specific expense; Quick and easy funding; No collateral required
No additional details available.
No additional details available.
Credit Rating: A++; Signature
As Low As
Credit Rating: A+; Signature
No additional details available.
14.99% up to $10,000
Credit Rating: A; Signature
Credit Rating: B; Signature
Credit Rating: C; Signature
15.99% up to $15,000
Compare local Mica, 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 fell 0.032 points over the past 7 days to 11.643% APR.
Washington signature loan rates rose 0.321 points over the past 7 days to 10.216% APR.
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Washington figures.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
Estimated monthly payments at the current WA average personal loan APR of 11.64%, across the terms lenders serving Mica, 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 | $234.53/mo | $165.22/mo | $130.79/mo | $110.32/mo |
| $10,000 | $469.07/mo | $330.44/mo | $261.59/mo | $220.64/mo |
| $15,000 | $703.60/mo | $495.66/mo | $392.38/mo | $330.97/mo |
| $25,000 | $1,172.67/mo | $826.10/mo | $653.97/mo | $551.61/mo |
| $35,000 | $1,641.74/mo | $1,156.54/mo | $915.56/mo | $772.26/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.
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) | 11.64% | $392.38 | $3,834 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,316 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,850 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,442 |
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.
Most lenders serving Mica, 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.
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.
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.
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.
Local demographics and economic context for borrowers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $392 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.
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 Mica, 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.
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.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Mica, 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 Mica, 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 Mica, 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.