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Personal Loans for Every Milestone

Your Goals, Your Way

Life is full of exciting plans and unexpected moments. Whether planning a dream wedding, renovations, investing in energy efficiency, or navigating the unexpected, we have a personal loan solution for you.
  • Get your money as quickly as today
  • Among the lowest rates around
  • Flexible terms
  • Fast service and decisions
  • Easy online application
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Personal Loan Calculator

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APR is set by the Loan Term selected.

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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.

The Right Loan Option For You

  • Personal Loans

    From dream weddings to home improvements, a personal loan can help you make it happen.

    • Save on interest with competitive rates
    • Get funds quickly with fast, online approval
    • Agree on payments that fit your budget
    • Simplify your finances with debt consolidation

    Apply Now

  • Home Improvement Loans*

    Ready to renovate? A Bellwether Home Improvement Loan can help you get the job done

    • Lock in same-day funding and start your project sooner
    • A solution for those with insufficient home equity
    • Affordable and manageable payments
    • Get started on your application online today

    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

    Make your home more energy efficient and save money with Bellwether's Energy Efficiency Loan.

    • Cover new windows, insulation, or even pre-buy heating fuel

    • Special loan pricing below the standard personal loan rates

    • Loan amounts from $500 - $10,000
      Terms up to 60 months**


      Apply Now

  • Personal Line of Credit

    Access cash with a Bellwether Personal Line of Credit when you need it most.

    • Manage unexpected expenses with financial flexibility
    • Draw funds whenever you need them
    • A smarter alternative for short-term borrowing
    • Know you have a financial safety net

    Apply Now

Personal Loans

From dream weddings to home improvements, a personal loan can help you make it happen.

  • Save on interest with competitive rates
  • Get funds quickly with fast, online approval
  • Agree on payments that fit your budget
  • Simplify your finances with debt consolidation

Apply Now

Home Improvement Loans*

Ready to renovate? A Bellwether Home Improvement Loan can help you get the job done

  • Lock in same-day funding and start your project sooner
  • A solution for those with insufficient home equity
  • Affordable and manageable payments
  • Get started on your application online today

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

Make your home more energy efficient and save money with Bellwether's Energy Efficiency Loan.

  • Cover new windows, insulation, or even pre-buy heating fuel

  • Special loan pricing below the standard personal loan rates

  • Loan amounts from $500 - $10,000
    Terms up to 60 months**


    Apply Now

Personal Line of Credit

Access cash with a Bellwether Personal Line of Credit when you need it most.

  • Manage unexpected expenses with financial flexibility
  • Draw funds whenever you need them
  • A smarter alternative for short-term borrowing
  • Know you have a financial safety net

Apply Now

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. All personal loans are subject to credit approval.

Effective Date: January 1, 2025
Name
Term
Annual Percentage Rate (APR) As Low As*
Notess
Name
Personal Loan 0-42 Month Term
Term
0-42 Months
Annual Percentage Rate (APR) As Low As*
9.75%
Notess
Est. monthly pmt: $28.20 per $1,000 (42 mos.)
Name
Personal Loan 43-54 Month Term
Term
43-54 Months
Annual Percentage Rate (APR) As Low As*
10.25%
Notess
Est. monthly pmt: $23.19 per $1,000 (54 mos.)
Name
Personal Loan 55-60 Month Term
Term
55-60 Months
Annual Percentage Rate (APR) As Low As*
10.75%
Notess
Est. monthly pmt: $21.62 per $1,000 (60 mos.)
Name
Energy Loan 0-42 Month Term
Term
0-42 Months
Annual Percentage Rate (APR) As Low As*
9.25%
Notess
Est. monthly pmt: $27.96 per $1,000 (42 mos.)
Name
Energy Loan 43-54 Month Term
Term
43-54 Months
Annual Percentage Rate (APR) As Low As*
9.75%
Notess
Est. monthly pmt: $22.95 per $1,000 (54 mos.)
Name
Energy Loan 55-60 Month Term
Term
55-60 Months
Annual Percentage Rate (APR) As Low As*
10.25%
Notess
Est. monthly pmt: $21.37 per $1,000 (60 mos.)
Name
Personal Line of Credit
Term
Open-End
Annual Percentage Rate (APR) As Low As*
11.99%
Notess
Est. monthly pmt: $22.24 per $1,000 (60 mos.)

*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. All personal loans are subject to credit approval.

Save More on Your Next Loan

Saving money is easy with Loyalty Pays. Get a 0.25% rate discount on your next eligible loan—just for being a Bellwether member.*

Join the Program

*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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