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Personal Loan Rates as Low as
With a BECU Personal Loan, you can cover most expenses. Borrow up to $15,000 to consolidate high interest rate balances into one low monthly payment. Or you can cover moving expenses, unexpected repairs and much more.
Benefits and Features
- Rates are fixed, so your payment doesn’t change.
- Interest rates as low as 7.49% APR.
- Up to $15,000 in one lump sum.
- Flexible repayment Centerville took out a payday loan terms.
- Loan terms up to 72 months.
- Easy application process.
- No origination fees.
Our low interest rates can help you save more money while paying down debt. Use the debt consolidation calculator below to explore your options.
Earn a Better Rate
We periodically evaluate the credit rating of each member who has a credit card, personal line of credit, personal loan, auto loan, boat loan or RV loan with BECU. If you’ve improved your credit score sufficiently and your account is in good standing, you may earn a better rate (if you’re not already receiving our lowest published rate).
Protect Your Loan
The Loan payment protection program (LPP) provides financial assistance during times of hardship. LPP is an optional benefit offered through BECU.
- Provides minimum monthly [auto, boat, RV, etc.] payments in case of involuntary job loss, disability or loss of life
- Monthly program cost is based on loan balance and package options
*Financing is subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, age of collateral, loan-to-value, loan amount) and may be higher than the lowest rates advertised. Your final APR may differ from your loan interest rate due to additional fees that may apply. Actual APR will be based on applicant creditworthiness, loan amount, and loan term and may be higher than the lowest rate advertised above. Loan program offered including rates, terms, and conditions are subject to change without notice. Payment example for a 4-year, $10,000 loan with an interest rate of 7.49%, the APR would be 7.49% with monthly payments of $.
Are There 1-Hour Payday Loans? 7 Fast Direct Lender Loans Listed
A payday loan is a type of small, short-term loan, generally with a high interest rate, loaned on the agreement that it will be repaid when the borrower receives their next paycheck. While Speedy Cash is a well-known payday loan establishment, there are several other stores that offer similar services.
We’ve compiled a list of alternatives to Speedy Cash, along with information on state payday loan regulations, since payday loans are often heavily regulated by state law. Rates, terms, and requirements for borrowers differ by state, so be sure to check the rules specifically for your state before deciding whether or not to take out a payday loan.
Interest rates on payday loans are very high, which can potentially lead to a cycle of debt and put you in a worse financial position than where you started. Because of this, it is a good idea to consider other options. For more on loans and borrowing, see our research on types of loans.
We’ve Done the Comparing for You – Here’s What We Recommend
We’ve compared the companies listed below by researching customer reviews, Better Business Bureau ratings, and company practices. Factors to consider include customer service, transparency, interest rates, and repayment optionspanies like Check City, ACE Cash Express, and Check City lend in several states and are known to offer competitive rates on short-term loans for both online and in-store applicants.
The List of Lenders Like Speedy Cash
The maximum loan term is also regulated by state law. The National Conference of State Legislatures has published a chart detailing the minimum and maximum loan terms, how days are counted, and various exceptions for each state.
Most states set the maximum value of a payday loan at $500. A few states have no maximum, and a few use a formula to calculate a maximum for the specific borrower. Check the National Conference of State Legislatures’ information to see specifics for your state.
Eligibility requirements for a payday loan also vary by state. Some states require proof of income, and some have set a minimum age higher than 18. Mississippi requires borrowers to be at least 21 years old, and Alabama and Delaware require that lenders be at least 19 years old.
States that require proof of income include Illinois, Montana, New Mexico, Nevada, and Washington. You can check the lender’s state-specific information to see what documentation it accepts as proof of income. Individual lenders in states that do not require proof of income may still choose to require it.
The National Conference of State Legislatures maintains a current list of state-by-state payday loan rates with statutory references. The Consumer Federation of America has also created a resource for state-by-state payday loan regulations. This resource also includes how to contact the regulatory agency overseeing payday loans if you need help or to file a complaint.