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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 flexible terms.

  • Low rates, fixed for term of loan

  • Flexible terms from 12 - 84 months

  • No home lien required

  • Borrow up to $35,000

  • 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 and get out of debt faster.

See How a Bethpage Personal Loan Compares

Bethpage National Average Credit Card
APR as Low as 8.34% - 12.34% 10.30% - 12.50% 12.00% - 23.00%
Terms 12-84 mos. 36-60 mos. Rolling
Interest Fixed Variable Compounding
Fees No Origination Fees Varies Up to $500
Borrowing Limit $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 [2] Rate (APR) As Low As Payments Monthly Payment Total Amount Paid
12 months 8.34% 12 $871.34 $10,456.02
24 months 8.34% 24 $453.80 $10,891.13
36 months 8.34% 36 $314.93 $11,337.48
48 months 9.34% 48 $250.47 $12,022.50
60 months 10.34% 60 $214.16 $12,848.92
72 months 11.34% 72 $192.10 $13,831.04
84 months 12.34% 84 $178.37 $14,982.96

Rates, terms, and payment examples are 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. Examples assume excellent borrower credit history.

Why Apply for a Personal Loan with Bethpage

Low Rates Icon

Low Rates & No Closing Costs

Bethpage offers low personal loan rates with no closing costs or origination fees.

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

Bethpage is here to help you through the process and answer all of your questions.

80 Years

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]

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:
• Valid 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. The higher your credit score and income the more you can potentially borrow.

How long does it take to get the funds?

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.

How do I access the funds?

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