Limited Time Only!
POSSIBILITY STARTS HERE:
Start the year fresh with a clear financial path forward.
Borrow up to $7,500 for up to 60 months!
7.50%
APR**
Offer valid until March 21, 2026.
**Annual Percentage Rate. Rates subject to change at any time.
as low as
9.99%
APR**
for Personal Loans over $7,500. Borrow up to $30,000
**Annual Percentage Rate. Rates subject to change at any time.
Money When You Need It
Take control of your finances with an affordable loan designed for real life. Whether you’re consolidating high interest credit card balances, lowering monthly payments, or making that large purchase you’ve always wanted, Blue makes it simple to move forward.
Home Improvement Projects
If you're not ready for a home equity loan to finish that big project, a personal loan can help with low rates and easy payments.
Consolidate High Interest Debt
Pay off high- interest rate credit cards with one low interest loan from Blue.
Medical Expenses
Medical bills can add up. Don’t be pressured into taking out credit with your medical provider, consider using a personal loan.
Travel and Vacation
Take a trip with peace of mind. If you have a vacation planned, use a personal loan with Blue instead of high-interest credit cards.
Can't Decide Between a HELOC or Personal Loan?
Personal Loan
Simple, flexible borrowing — no collateral required.
A personal loan provides a one-time lump sum that you repay in fixed monthly payments over a set term. Because it’s unsecured, you don’t need to use your home or other assets as collateral.
Why members choose a personal loan:
No collateral required
Fixed interest rate and predictable monthly payment
Faster application and funding
Ideal for smaller to mid-sized expenses
Great for consolidating credit cards, covering unexpected expenses, or planning life events
Best for: short to mid-term needs, budgeting certainty, and borrowing without tying the loan to your home.
VS.
HELOC (Home Equity Line of Credit)
Flexible access to funds using your home’s equity.
A HELOC allows you to borrow against the equity in your home and access funds as needed, similar to a credit card. You only pay interest on what you use, and rates are typically variable.
Why members choose a HELOC:
Uses home equity as collateral
Ongoing access to funds during the draw period
Potentially lower interest rates than unsecured loans
Ideal for larger or ongoing projects
Best for: home improvements, long-term projects, or expenses where flexibility and ongoing access to funds are important.
Personal Loans For Whatever You Need
Frequently Asked Questions
What is a personal loan?
A personal loan is a type of installment credit that allows you to borrow a lump sum of money, which you then repay in fixed monthly installments over a set term. The interest rates and repayment terms vary based on factors like your creditworthiness and income. When you take out a personal loan, you agree to pay back the borrowed amount plus interest according to the agreed-upon schedule.
When is a personal loan a good idea?
You can consolidate debt, cover unexpected expenses, or fund personal goals with a personal loan. There is no one-type-fits-all purpose for a personal loan, but some of the most common reasons Blue members opt for personal loans are: unexpected home repairs, vacations, weddings, extra help with medical expenses, debt consolidation, and for general unexpected emergencies. Whatever it is, we’ve got your back!
What do I need to apply for a personal loan?
Applying online is easy! The following information is necessary to apply for a personal loan:
- Personal information (name, date of birth, address, SSN)
- Proof of identity (driver’s license or passport)
- Proof of employment and income (pay stubs, W-2s, 1099s, or bank statements)
How long does it take to get approved?
To receive the fastest application processing time, apply through Blue Digital! If all necessary information is provided, processing tends to be very quick- possibly even on the same business day you applied!
Is collateral required?
No collateral is required for a personal loan! They are unsecured loans.
Can I pay off my personal loan early?
There is no penalty for early repayment! Pay it off how you’d like!
Will it affect my credit score?
Submitting an application results in a hard credit inquiry, which has a small temporary impact.
How can I get the lowest payment?
Consider a longer repayment term. You will pay more in interest but your monthly payments will be lower. Calculate your monthly payment with our loan payment calculator.
Personal Loan Calculators:
Additional Learning:
How Can A Personal Loan Work for You?
Whether you are consolidating debt, improving your home, or handling unexpected expenses, a personal loan can help. Discover the flexibility of personal loans!
Personal Loan Rates
**Annual Percentage Rate. Rates are dependent on creditworthiness and loan to value. Fixed rates are subject to approval based on credit-worthiness, gross income and amount requested. Flexible repayment terms are available. See product disclosure for qualifications and details.