home lending

Personal Loans

Pay off high interest credit cards, invest in home improvements or get cash to cover large expenses.

9.59% APR [1]
FIXED RATE AS LOW AS:
84  MONTHS [2]
FLEXIBLE TERMS UP TO:
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Features of a Bethpage Personal Loan

Bethpage Federal Credit Union's personal loans make it easy to access funds quickly with flexible terms.

  • Low rates, fixed for term of loan

  • Flexible terms from 12 – 84 months

  • No home lien required

  • Borrow up to $35,000 [4]

  • Access to cash in a lump-sum payment

  • No application fees

  • No pre-payment fees

  • Easy application process

  • Debt protection options available

  • Use the funds for virtually anything

Ways to Use a Personal Loan from Bethpage

home-improvement-family-image

Pay for home improvements without using your home as collateral or tapping into savings.

With a personal loan from Bethpage, you can fund home improvements and repairs more quickly, without using your home as collateral, tapping into savings or using high interest rate credit cards. From repairs to renovations, a fixed rate personal loan can help you get it done. If you have substantial equity in your home and would like to borrow against it.

Learn more about a HELOC.
Covering Expenses with a HELOC

Pay off large expenses with the confidence of a fixed rate and consistent monthly payment.

With a Bethpage personal loan, you can borrow up to $35,000 and receive your funds in one lump-sum. A Bethpage personal loan is great for when you need more cash than you have on hand and can be used for just about anything.

  • Medical and Dental Expenses
  • Unexpected Emergencies
  • Weddings, Special Events or Funerals
business-man-celebrate-image

Pay off your high-interest credit cards and get out of debt faster.

Personal loans often have lower interest rates than credit cards and more favorable terms. If you're paying higher interest rates on your credit cards, a Bethpage personal loan could help you save money and get out of debt faster.

See How a Bethpage Personal Loan Compares



National averages for personal loans and credit card information from Datatrac as of --/--/----.

Why Apply for a Personal Loan with Bethpage

Low Rates & No Closing Costs
Bethpage offers low personal loan rates with no closing costs or origination fees.
Extended Term Options
We offer a wider variety of term lengths, including 72 and 84 months, to help keep your payments low.
Highest Level of Service
Bethpage is here to help you through the process and answer all of your questions.
Putting Members First for 80 Years
We invest back in you with great rates and low fees. No matter where you live, you can become a member. [3]

Personal Loan Rates

Take advantage of Bethpage’s competitive rates and flexible terms:

Monthly Payment Examples
Based on a $10,000 Fixed-Rate Personal Loan

Term [2]Rate (APR) As Low As PaymentsMonthly PaymentTotal Amount Paid
12 months9.59%12$877.42$10,529.00
24 months9.59%24$459.65$11,031.48
36 months9.59%36$320.82$11,549.11
48 months10.59%48$256.53$12,313.27
60 months11.59%60$220.45$13,226.49
72 months12.59%72$198.66$14,302.88
84 months13.59%84$185.22$15,558.07

Personal Loan FAQs

Since there is no collateral, qualifying for a personal loan is ultimately determined by your credit history, income, other debt obligations and monthly cash flow.

Apply Now to see if you qualify.

Documentation is needed to help verify your identity and income including:
• Valid driver’s license or another form of identification
• Pay stubs and/or bank statements

How much you can borrow depends on your personal financial situation. A Bethpage Personal Loan typically ranges from $1,000-$35,000. The higher your credit score and income the more you can potentially borrow.

Once you have submitted all required conditions for the loan, funds are often received in as little as 1-2 business days. In some instances, you can get the money the same day.

We can send you a lump-sum check or deposit it right to your Bethpage account.

All offers of credit are subject to credit approval and loan program requirements. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations may apply. For current rates, please call (800) 628-7070. To obtain a loan product from Bethpage, membership (subject to approval) is required by opening a minimum $5.00 share savings account prior to loan closing.

[1] Rate is accurate as of –/–/—- and are subject to change without notice. Not all applicants will qualify for the lowest rate or longest term and may be offered credit at higher rates and other terms based on creditworthiness. Rate assumes excellent borrower credit history and a 36-month term.

APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.

[2] Terms up to 84 months are contingent on creditworthiness and are available at higher rates.

[3] Membership is subject to approval and requires opening and maintaining a $5 savings (share) account. Must be a US citizen or permanent resident alien.

[4] Subject to credit approval.

Debt Protection

Debt Protection provides an important sense of financial security — knowing your loan will not become a burden to you or your family in times of hardship. Under the Bethpage Debt Protection program, your loan balance and monthly payments may be canceled without penalty or added interest.

Debt Protection is an option you can choose during the application process.

Plan Options: Platinum Gold Silver Bronze
Death ✓ ✓ ✓
Disability ✓ ✓ ✓
Unemployment ✓
Cost* $2.95/
$5.26		 $2.40/
$4.22		 $1.23/
$5.26		 $1.17/
$2.23
*Costs shown are the rates per $1,000 of monthly loan balance (Single/Joint).

Definitions of Coverage
Death – Give your family time to get back on their feet financially. • Plans Platinum, Gold and Silver: Cancels the remaining loan balance as of date of death (up to $75,000). Disability – Help avoid bills piling up as you try to regain your health and earning capacity. • Plans Platinum, Gold and Bronze: Cancels up to 12 payments per occurrence (aggregate maximum of $25,000, up to $1,000 per month). Involuntary Unemployment – Ensure your loan payment will be taken care of as you search for new employment. • Plan Platinum: Cancels up to 3 payments per occurrence (aggregate maximum $15,000 up to $1,000 per month).