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1-800-628-7070          Routing #: 221473652
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Personal Loans

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

Fixed rate as low as:

6.99

%
APR[1]
Flexible terms up to:

84

MONTHS[2]

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

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.

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

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, lower your monthly payments and help you get out of debt faster.

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 $15,000 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

FAQs

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.

[1] APR = Annual Percentage Rate.

[2] Terms up to 84 months are available at higher rates.

[3] Subject to credit approval.

[4] Late fee may apply when applicable.

Rates and terms are subject to credit review and approval requirements. Final rate may be higher depending on creditworthiness. Rates are subject to change without notice. For current rates, please call (800) 628-7070. To obtain a loan product from Bethpage, membership is required by opening a minimum $5.00 share savings account prior to loan closing.

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).