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LOANS

Personal Loans

One loan. One payment. A world of possibility.

Life happens fast. Blue personal loans give you flexible financing for the moments that matter — from planned expenses to unexpected costs and everything in between.

Holiday Loan

A little extra help for the holidays—no credit check required

Borrow $500 – $2,000
12-month term
Rate as low as 17.99% APR** ¹

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

Turn your travel plans into reality with a personal loan that helps cover vacation expenses upfront while giving you the flexibility of predictable monthly payments.

Personal Loan Benefits

Simple, flexible borrowing. No collateral required

Fixed interest rate

A fixed interest rate means a predictable monthly payment each month until you pay off your loan.

Faster application and funding

Personal loans do not require collateral which means loans can be applied for quickly and funded quicker than car or home loans.

One lump sum up front

Perfect for smaller to mid-sized expenses and you receive the funds all at once.

Consolidation

Great for consolidating high interest credit cards, covering unexpected expeneses or planning life events.

Competitive personal loan rates ² built to move you forward.

Rates as low as 9.99

% APR^**

Personal Loans for Whatever You Need

Personal Loan Calculators

Estimate payments and borrowing power

How much will my loan payments be?

How much can I afford to borrow?

How long will it take to pay off my loan?

FAQs

What is a personal loan?

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.

What are the requirements?

Applying online is easy! The following information is necessary to apply for a personal loan:

Proof of employment and income (pay stubs, W-2s, 1099s, or bank statements)

Personal information (name, date of birth, physical address, SSN)

Proof of identity (driver’s license or U.S. passport)

How long does approval take?

To receive the fastest application processing time please have all necessary information ready. Processing tends to be very quick- possibly even on the same business day you applied!

Can I refinance a loan from another lender?

Yes! We will need a payoff letter from your current lender so we can pay them directly.

Is there a prepayment penalty?

No, there is no penalty for early repayment.

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.

Applying is Quick and Easy

Start your application today. If you have any questions during the process be sure to reach out to us 1-800-368-9328 or stop by your local branch for assistance.

More from Blue

Learn more by reading these blogs in the Blue Blog

Terms & Disclosures

Holiday Loan **Annual Percentage Rate as low as 17.99%. May borrow between $500 and $2,000 based on net income. 12-month term only. One Holiday Loan per social security number. No prepayment penalty. Offer available through December 31, 2026. Available to qualified borrowers who are primary owners of the account, have been members in good standing for at least 90 days, been employed for at least 90 days, have a valid email address, valid physical address, and consent to a NON-REFUNDABLE $75 application fee. The fee will be paid at time of application by debiting your Blue checking or savings account or paid by check or cash in branch, regardless of approval of the application. Must be current on all Blue loans and have not been 31 or more days delinquent on your credit union obligations in the last 90 days. The following account/member exclusions apply: current delinquency status, active loan workout plan, filed for bankruptcy or have a deceased status on the account, accounts with a loan, credit card or negative balance charge-off, business, trustee, conservatorship, and minor accounts are not eligible. Joint owners are not eligible to apply. Active-duty status will be verified. Must be 18 years of age or older. Membership required. Insured by NCUA.
**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 may be available. Annual Percentage Rate (APR) is a standardized calculation that reflects the annual cost of borrowing, including the interest rate and certain applicable fees. Actual costs may vary depending on the loan amount, term, fees, payment schedule, and other applicable terms and conditions.

*Annual Percentage Yield (APY) **Annual Percentage Rate (APR) Rates subject to change at any time.