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1-800-628-7070          Routing #: 221473652

Features of a Bethpage Personal Loan

Bethpage Federal Credit Union's personal loans make it easy to access funds quickly with maximum flexibility and no collateral.

  • Low rates, fixed for term of loan

  • Flexible terms from 12 - 84 months

  • No collateral or home lien required

  • Borrow up to $35,000 [3]

  • 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 renovations.

Looking to do some home improvements? You can quickly fund your project without using your home's equity, tapping into your savings or using high interest rate credit cards.

Need a higher loan amount? Bethpage offers competitive rates with our Home Equity Line of Credit (HELOC). Click here for more information.

Large expenses.

Paying for a wedding? Medical or dental bills? Have other unexpected expenses? Borrow up to $35,000 and use it for just about anything.

Get out of debt faster.

Paying high interest rates on your credit cards? 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, you could save money, lower your monthly payments and get out of debt faster by paying off or paying down your higher interest credit cards with a personal loan.

See How a Bethpage Personal Loan Compares

Bethpage National Average Credit Card
APR as Low as 6.99% - 10.99% 10.30% - 12.50% 12.00% - 23.00%
Terms 12-84 mos. 36-60 mos. Rolling
Interest Fixed Variable Compounding
Fees No Fees [4] Varies Up to $500
Borrowing Limit [3] $35,000 $35,000 Varies
Debt Protection Yes No No

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

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 Rate (APR) [1] Payments Monthly Payment Total Amount Paid
12 months 6.99% 12 $865.22 $10,383.66
24 months 6.99% 24 $447.68 $10,744.33
36 months 6.99% 36 $308.73 $11,114.11
48 months 7.99% 48 $244.08 $11,715.95
60 months 8.99% 60 $207.54 $12,452.10
72 months 9.99% 72 $185.21 $13,334.97
84 months 10.99% 84 $171.17 $14,378.47

Why Apply for a Personal Loan with Bethpage

Low Rates Icon

Low Rates & No Closing Costs

Bethpage has lower personal loan rates than the national average and no closing costs or fees [4].

Extended Term Options Icon

Extended Term Options

We offer a wider variety of term lengths, including 72 and 84 months, to help keep your payments low.

High Level of Service Icon

Highest Level of Service

Enjoy a dedicated point of contact to help you through the process and answer all your questions.

Over 75 Years

Putting Members First for Over 75 Years

We invest back in you with lower fees and better rates. No matter where you live you can become a member.

Want to Learn More?

Have questions about a Bethpage Fixed-Rate Personal Loan or how much you qualify for?
Our lending specialists are here to help. Call: 1-800-628-7070


Will I qualify for a personal loan?

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.

Will getting pre-qualified for a personal loan affect my credit score?

Most lenders, including Bethpage, perform a “soft” credit inquiry to show you prequalified offers. This allows you to compare each lender’s offerings without affecting your credit score.

What documents will I need for a personal loan?

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

How much can I borrow?

How much you can borrow depends on your personal financial situation. A Bethpage Personal Loan typically ranges from $1,000 - $35,000 and has re-payment terms of 12 months to 84 months. The higher your credit score and income the more you can potentially borrow.

How long does it take to get the funds?

Often in as little as 1-2 days. Once you have submitted all the conditions for the loan - in some instances you can get the money the same day.

How do I access the funds?

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