Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Personal Loans Best Personal Loans in Washington State: 2025 Roundup Updated May 27, 2025 4-min read Expert Approved Expert Approved This article has been reviewed by a Certified Financial Planner™ for accuracy. Written by Lindsay VanSomeren Written by Lindsay VanSomeren Expertise: Mortgages, personal loans, student loans, auto loans, banking, budgeting, debt, insurance, credit cards, credit Lindsay VanSomeren is a personal finance writer living in Suquamish, Washington. She's passionate about helping people learn how to manage their money better so that they can live the life they want. In her spare time, she enjoys outdoor adventures, reading, and learning new languages and hobbies. Learn more about Lindsay VanSomeren Reviewed by Erin Kinkade, CFP® Reviewed by Erin Kinkade, CFP® Expertise: Insurance planning, education planning, retirement planning, investment planning, military benefits, behavioral finance Erin Kinkade, CFP®, ChFC®, works as a financial planner at AAFMAA Wealth Management & Trust. Erin prepares comprehensive financial plans for military veterans and their families. Learn more about Erin Kinkade, CFP® Need a personal loan in Washington State? If you’re consolidating debt, paying for home repairs, or covering a financial emergency, Washington offers excellent personal loan options from local credit unions and national online lenders. We’ve rounded up the best choices for 2025, whether you prefer a local branch, fast funding, or flexible approval requirements. Company Best for… View Rates Best marketplace View Rates View Rates Best for fast funding View Rates View Rates Best lender with high-yield banking accounts View Rates View Rates Best for large personal loans View Rates View Rates Best for credit card consolidation View Rates View Rates Best payday loan alternative for bad credit View Rates View Rates Best green credit union View Rates View Rates Best local branch availability View Rates View Rates Best range of term lengths View Rates Show more Table of Contents What to know about personal loans in Washington Best online personal loan lenders Credible LightStream Upgrade SoFi Happy Money Best credit unions and local lenders in Washington Qualstar Credit Union Puget Sound Cooperative Credit Union Boeing Employees Credit Union Sound Credit Union How to compare your options What to know about personal loans in Washington Strict payday loan regulations and a high military population help protect Washington borrowers, and the state is home to many strong credit unions. Borrower protections: Washington limits payday loan interest and loan amounts. Military members benefit from the federal Military Lending Act (MLA), which caps rates at 36% and bans some predatory practices. What to use a personal loan for: You can use a personal loan to consolidate credit card debt, cover moving costs, make home improvements, or pay unexpected bills. Compare loan terms, rates, and fees to find the best fit. Read more: Personal Loans by State Best online personal loan lenders These nationwide lenders offer fast funding and flexible eligibility. They’re good options if you prefer managing everything online. Credible Best Marketplace 5.0 /5 View Rates Why we selected it Credible is a top-rated online loan marketplace that allows borrowers to compare personal loan offers from multiple lenders quickly and easily. It’s ideal for those who want to explore several options in one place to find the best rates and terms for their needs. Rates (APR)6.99% – 35.99%Loan amounts$1,000 – $200,000Repayment terms1 – 10 years LightStream Best for Fast Funding 4.8 /5 View Rates Why we selected it LightStream stands out for borrowers with excellent credit, offering some of the lowest personal loan rates and same-day funding. With no fees and fast turnaround, it’s a strong pick for those who qualify and want a hassle-free borrowing experience. Rates (APR)7.49% – 25.49%Loan amounts$5,000 – $100,000Repayment terms2 – 12 years Upgrade Best for High-Yield Accounts 4.9 /5 View Rates Why we selected it Upgrade caters to borrowers with fair credit and provides flexible repayment options along with credit monitoring tools. It’s a great choice for those looking to improve their financial health while accessing personal loan funding. Rates (APR)8.49% – 35.99%Loan amounts$1,000 – $50,000Repayment terms2 – 7 years SoFi Best for Large Loans 5.0 /5 View Rates Why we selected it SoFi offers large personal loans with competitive interest rates and no fees, plus exclusive member benefits. It’s best for borrowers with good to excellent credit who want a full-service experience with career coaching and networking opportunities. Fixed rates (APR)8.99% – 29.99% with all discountsLoan amounts$5,000 – $100,000Repayment terms2 – 7 years Happy Money Best for Credit Card Consolidation 4.8 /5 View Rates Why we selected it Happy Money specializes in personal loans for credit card debt consolidation. Its platform focuses on simplifying debt repayment with fixed-rate loans and tailored payoff plans, making it a great option for those overwhelmed by revolving debt. Rates (APR)12.45% – 17.99%Loan amounts$5,000 – $40,000Repayment terms2 – 5 years Best credit unions and local lenders in Washington Local credit unions can offer lower rates and more personalized service. Here are our top picks. Qualstar Credit Union Payday Loan Alternative for Bad Credit View Rates Why we selected it Qualstar Credit Union provides affordable personal loans and lines of credit, even for borrowers with low credit scores. It’s an excellent local option with flexible products, including a $500 payday loan alternative for credit rebuilding. Puget Sound Cooperative Credit Union Best Green Credit Union View Rates Why we selected it Puget Sound Cooperative Credit Union is known for supporting green initiatives and offering discounts for energy-efficient purchases. Its personal loans come with favorable terms for those looking to upgrade their homes or vehicles sustainably. Boeing Employees Credit Union Best Local Branch Availability View Rates Why we selected it BECU is Washington’s largest credit union, offering loans up to $30,000 and credit counseling through its GreenPath partnership. It’s ideal for borrowers seeking personalized support and potentially lower rates as their credit improves. Sound Credit Union Best Range of Loan Term Lengths View Rates Why we selected it Sound Credit Union offers zero-fee personal loans with a wide range of term lengths and fast funding. Its 27-branch network and green rate discounts make it appealing for convenience and eco-conscious financing. How to compare your personal loan options Prequalify: Use a site like Credible to compare rates without hurting your credit. Check terms: Look at rates, repayment period, and origination or prepayment fees. Evaluate customer service: Local lenders may offer in-person help. National lenders often offer 24/7 support. Read reviews: Look at real borrower experiences online. Consider extras: Some lenders offer rate discounts, member benefits, or credit score support. Recap of Washington State personal loans Company Best for… View Rates Best marketplace View Rates View Rates Best for fast funding View Rates View Rates Best lender with high-yield banking accounts View Rates View Rates Best for large personal loans View Rates View Rates Best for credit card consolidation View Rates View Rates Best payday loan alternative for bad credit View Rates View Rates Best green credit union View Rates View Rates Best local branch availability View Rates View Rates Best range of term lengths View Rates