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Save Each Month

Enjoy lower monthly payments by consolidating high-rate debt to one fixed payment. 

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Get $500 - $50k

Receive your funds as soon as the same day you sign.

We've helped members like these accomplish their goals with a personal loan

Can't ask for anything else

The rate was the best of many institutions. Great customer service and everything taken care of without a trip.

Santos

My favorite credit union

If you are looking for a community based, highly professional, well-rounded staff with all the answers, look no further! I have learned so much from them and will continue to use them as a resource for years to come.

Moriah

Great experience

I have had loans with Bellwether for 10+ years and find the folks there to be very helpful, friendly, and professional.

Dane

Simple and convenient

Bellwether provided a simple and convenient loan process. There is nothing like local service!

Jeff

They are the best!

I got a loan from Bellwether a few years ago and they are the absolute best! They don't rip you off like some that I know! If I ever need a loan again I'll be going back to them!

Ann

Thank you thank you

I showed up rudely close to the end of business on a Friday to sign loan documents. The staff stayed late and were super helpful in keeping my weekend schedule intact. Thank you thank you!

William

See Your Monthly Payment

Let us calculate your monthly payment on your personal loan.

Personal Loan Calculator
APR is set by the Loan Term selected.

Your monthly payment is only...

${monthlyPayment}/mo
Rates are subject to change at any time. Your actual rate will be determined by your creditworthiness and ability to repay. All personal loans are subject to credit approval.

Why choose Bellwether for a personal loan?

beach pig

 

  • Fixed Rates

    Rates that won't change over time, lower than most credit cards and protecting you from rising interest rates.

  • No Fees Required

    That means no origination fees and no prepayment penalty fees.

  • Same-Day Funding

    Your funds could be available as quickly as the same day your loan is approved!

Save thousands with a low-interest personal loan.

With credit card rates continuing to rise, see how you could potentially save thousands by consolidating existing debt into a low fixed monthly payment.

*Example chart shows payments calculated with a 12.50% APR fixed rate personal loan with a 42-month term. Lowest rates are reserved for qualified borrowers. Your actual rate will be determined by your creditworthiness and ability to repay. Rates are subject to change at any time. For personal loans, other rates and terms are available. Please call 1-866-996-9828 for more details. All personal loans are subject to credit approval.

Name
Balance
Annual Percentage Rate (APR) As Low As*
Monthly Payment
42-Month Interest Paid
Name
High-Interest Rate Credit Card
Balance
$50,000
Annual Percentage Rate (APR) As Low As*
24.07%
Monthly Payment
$2,193
42-Month Interest Paid
$17,495
Name
Bellwether Personal Loan
Balance
$50,000
Annual Percentage Rate (APR) As Low As*
As low as 12.50%
Monthly Payment
$1,711
42-Month Interest Paid
$9,930
Name
Balance
Annual Percentage Rate (APR) As Low As*
Monthly Payment
42-Month Interest Paid
Estimated Interest Savings with Bellwether - $7.565

*Example chart shows payments calculated with a 12.50% APR fixed rate personal loan with a 42-month term. Lowest rates are reserved for qualified borrowers. Your actual rate will be determined by your creditworthiness and ability to repay. Rates are subject to change at any time. For personal loans, other rates and terms are available. Please call 1-866-996-9828 for more details. All personal loans are subject to credit approval.

*Rates are subject to change at any time. Your actual rate will be determined by your creditworthiness and ability to repay. Please call 1-866-996-9828 for more details. All personal loans are subject to credit approval.

Effective Date: September 1, 2025
Name
Term
Annual Percentage Rate (APR) As Low As*
Notes
Name
Personal Loan 0-42 Month Term
Term
0-42 Months
Annual Percentage Rate (APR) As Low As*
12.50%
Notes
Est. monthly pmt: $34.23 per $1,000 (42 mos.)
Name
Personal Loan 43-54 Month Term
Term
43-54 Months
Annual Percentage Rate (APR) As Low As*
13.00%
Notes
Est. monthly pmt: $29.35 per $1,000 (54 mos.)
Name
Personal Loan 55-60 Month Term
Term
55-60 Months
Annual Percentage Rate (APR) As Low As*
13.50%
Notes
Est. monthly pmt: $27.92 per $1,000 (60 mos.)

*Rates are subject to change at any time. Your actual rate will be determined by your creditworthiness and ability to repay. Please call 1-866-996-9828 for more details. All personal loans are subject to credit approval.

Easily apply for a personal loan online in just 3 steps.

1-1

Click Apply Now

Find the personal loan that works for you and begin your application online.

 

2-1

Choose Your Terms

Choose from 0-60 month personal loan terms and finish your application online.

 

3-1

Receive Your Funds

Sign your documents and choose how to receive your funds - as quickly as the same day!

Personal Loan FAQs

What can I use a personal loan for?

Many people apply for a low-interest personal loan to consolidate high-interest credit card debt. These loans can also be used to fund major life purchases or expenses, like home improvements, weddings, unexpected medical expenses, moving expenses, or funerals.

What is a personal loan?

A personal loan is a loan offered by many banks, credit unions, or online personal loan lenders. While many loans specify how the money should be spent, personal loans allow for more flexibility and can be used to cover big expenses or consolidate high-interest debt with a more favorable rate.

Should I take out a personal loan to pay off my credit cards?

Personal loans can be used for a variety of purposes, but are commonly used to consolidate high-interest credit card debt. When using a personal loan to pay off credit card debt, the loan funding is used to pay off the cards’ outstanding balances. Ideally, the new debt consolidation loans will have a lower interest rate, making payments more manageable or saving the person money from accrued interest. 

What credit score is needed for a personal loan?

Applying for personal loans online or at your financial institution will require meeting your lender’s criteria. Since most personal loans are unsecured (meaning they don’t require collateral) this criteria assures the lender that you can repay the loan. Lenders will typically evaluate your credit score, income, and debt-to-income ratio, among other factors. Lower credit scores could affect your eligibility, terms or rate for a Bellwether Personal Loan.

Will applying for a personal loan affect my credit?

When you submit your application, we will request your full credit report from one or more credit bureaus, which is considered a hard credit pull.

How much money can I get a personal loan for?

The answer depends on a wide range of factors, which mainly includes the type of lender and your credit score. A Bellwether Personal Loan allows applicants to borrow between $500 and $50,000.