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Personal Loans and Personal Line of Credit

Affordably Accomplish Your Goals

Bellwether offers personal loans in all shapes and sizes. Whether it’s a standard personal loan, home improvement loan, energy efficiency loan, or personal line of credit, we have great rates, flexible terms, and outstanding service. Take advantage of tailored financing solutions to fund small projects, special events, or emergency expenses.

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Rates are subject to change at any time. For personal loans and Greenlight Energy Efficiency Loans, other rates and terms are available. Your actual rate will be determined by your creditworthiness and ability to repay. All personal loans are subject to credit approval.
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Benefits of Bellwether Personal Loans

  • Get your money as quickly as today
  • Among the lowest rates around
  • Skip A Pay option available for eligible loans
  • Flexible terms
  • Fast service and decisions

The Right Loan Option For You

  • Personal Loans

    Bellwether is proud to offer various competitive personal loan options for residents in New Hampshire or Essex/Middlesex County, Massachusetts. 

  • Home Improvement Loans*

    Need to fix up your home? With Bellwether's Home Improvement Loan, our unsecured personal loan specifically for home-related projects, you'll get your money as early as the same day you apply. This is a great option for those with insufficient equity in their home.

    Learn More

    *This loan is to be used for home improvements exclusively. Loan borrower must be the owner of the subject property. If using a co-borrower, all borrowers must live on the subject property. No non-occupant borrowers will be allowed for this loan. The minimum personal loan amount available is $500; the maximum loan amount available is $30,000. Proof of income is required for all loans greater than $25,000. 



  • Energy Efficiency Loans

    Bellwether’s Energy Efficiency Loan will help make your home energy conservation projects more affordable.

    • Special loan pricing below the standard personal loan rates

    • Loan amounts from $500 - $10,000

    • Terms up to 60 months**

    • Use funds for heating/AC, windows, doors, insulation, energy-efficient appliances, or even a year’s supply of heating gas/oil to lock in a special price.

  • Personal Line of Credit

    A personal line of credit is the perfect solution for immediate cash flow needs or emergency expenses and may prove to be a cost-effective alternative to a payday loan. You'll have the security and comfort of knowing you can access funds when you need them most. 

Personal Loans

Bellwether is proud to offer various competitive personal loan options for residents in New Hampshire or Essex/Middlesex County, Massachusetts. 

Home Improvement Loans*

Need to fix up your home? With Bellwether's Home Improvement Loan, our unsecured personal loan specifically for home-related projects, you'll get your money as early as the same day you apply. This is a great option for those with insufficient equity in their home.

Learn More

*This loan is to be used for home improvements exclusively. Loan borrower must be the owner of the subject property. If using a co-borrower, all borrowers must live on the subject property. No non-occupant borrowers will be allowed for this loan. The minimum personal loan amount available is $500; the maximum loan amount available is $30,000. Proof of income is required for all loans greater than $25,000. 



Energy Efficiency Loans

Bellwether’s Energy Efficiency Loan will help make your home energy conservation projects more affordable.

  • Special loan pricing below the standard personal loan rates

  • Loan amounts from $500 - $10,000

  • Terms up to 60 months**

  • Use funds for heating/AC, windows, doors, insulation, energy-efficient appliances, or even a year’s supply of heating gas/oil to lock in a special price.

Personal Line of Credit

A personal line of credit is the perfect solution for immediate cash flow needs or emergency expenses and may prove to be a cost-effective alternative to a payday loan. You'll have the security and comfort of knowing you can access funds when you need them most. 

Personal Loan and Line Table

*Rates are subject to change at any time. For personal loans and Greenlight Energy Efficiency Loans, other rates and terms are available. Your actual rate will be determined by your creditworthiness and ability to repay. Please call 1-866-996-9828 for more details. Payment examples assume a $0.00 down payment. All personal loans are subject to credit approval.

Effective Date: November 22, 2022
Name
Term
Annual Percentage Rate (APR) As Low As*
Notes
Name
Personal Loan 0-42 Month Term
Term
0-42 Months
Annual Percentage Rate (APR) As Low As*
8.25%
Notes
Est. monthly pmt: $27.49 per $1,000
Name
Personal Loan 43-54 Month Term
Term
43-54 Months
Annual Percentage Rate (APR) As Low As*
8.75%
Notes
Est. monthly pmt: $22.47 per $1,000
Name
Personal Loan 55-60 Month Term
Term
55-60 Months
Annual Percentage Rate (APR) As Low As*
9.25%
Notes
Est. monthly pmt: $20.88 per $1,000
Name
Energy Loan 0-42 Month Term
Term
0-42 Months
Annual Percentage Rate (APR) As Low As*
7.75%
Notes
Est. monthly pmt: $27.26 per $1,000
Name
Energy Loan 43-54 Month Term
Term
43-54 Months
Annual Percentage Rate (APR) As Low As*
8.25%
Notes
Est. monthly pmt: $22.23 per $1,000
Name
Energy Loan 55-60 Month Term
Term
55-60 Months
Annual Percentage Rate (APR) As Low As*
8.75%
Notes
Est. monthly pmt: $20.64 per $1,000
Name
Personal Line of Credit
Term
Annual Percentage Rate (APR) As Low As*
11.24%
Notes

*Rates are subject to change at any time. For personal loans and Greenlight Energy Efficiency Loans, other rates and terms are available. Your actual rate will be determined by your creditworthiness and ability to repay. Please call 1-866-996-9828 for more details. Payment examples assume a $0.00 down payment. All personal loans are subject to credit approval.

Save MORE with Loyalty Pays!

Save more with our Loyalty Pays Program™*

With Loyalty Pays™, you’ll receive a 0.25% rate discount on your next vehicle, personal, or home improvement loan when you currently have an eligible Bellwether Community Credit Union loan*. That loyalty discount rate will save you money every month. The rate discount is available on second and subsequent loans.

*Bellwether members who currently have a mortgage, auto, boat, RV, motorcycle, personal, or home improvement loan are eligible to receive a discount on their next vehicle, personal, or home improvement loan. Visa products and personal lines of credit are excluded. Easy Street Loans are not eligible for a discount. Approval is based on credit worthiness. Consumer borrowers only. Cannot be combined with any other loan discount. Cannot be applied to the refinance of a BCCU loan. Rate discount promotion is subject to change without notice. 

FAQs

What's APR?

APR stands for Annual Percentage Rate; the rate of interest that you will pay on the loan each year.

How does my credit score impact my personal loan interest rate?

The higher your credit score and the better your credit history, the more likely you will receive better interest rates.


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Third Party Site Disclaimer

Custom Test - By accessing the noted link you will be leaving NAME Credit Union’s website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of NAME Credit Union’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of NAME Credit Union.

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Third Party Site Disclaimer

Custom Test - By accessing the noted link you will be leaving NAME Credit Union’s website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of NAME Credit Union’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of NAME Credit Union. Proceed to https://docs.google.com.