Features of a Bethpage Personal Loan
Bethpage Federal Credit Union's personal loans make it easy to access funds quickly with flexible terms.
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Low rates, fixed for term of loan
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Flexible terms from 12 – 84 months
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No home lien required
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Borrow up to $35,000
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Access to cash in a lump-sum payment
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No application fees
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No pre-payment fees
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Easy application process
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Debt protection options available
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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.

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 | |
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APR | as Low as 9.24% - 13.24% | 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 |
Why Apply for a Personal Loan with Bethpage
Personal Loan Rates
Take advantage of Bethpage’s competitive rates and flexible terms:
Monthly Payment Examples
Term [2] | Rate (APR) As Low As | Payments | Monthly Payment | Total Amount Paid |
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12 months | 9.24% | 12 | $875.46 | $10,505.41 |
24 months | 9.24% | 24 | $457.91 | $10,989.79 |
36 months | 9.24% | 36 | $319.10 | $11,487.61 |
48 months | 10.24% | 48 | $254.78 | $12,228.95 |
60 months | 11.24% | 60 | $218.62 | $13,117.08 |
72 months | 12.24% | 72 | $196.76 | $14,166.36 |
84 months | 13.24% | 84 | $183.24 | $15,391.89 |
FAQs
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.
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 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.
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.
We can send you a lump-sum check or deposit it right to your Bethpage account.