Consolidate multiple high-interest balances into one low monthly payment with our limited-time loan offer.
Get a Fresh Start in 2026
Spending happens, especially during the holidays, and we want to help you consolidate that debt into a special low-rate personal loan with Bay Federal Credit Union. Act fast, this offer is only available until January 31, 2026.
Consolidate debt with:
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Rates as low as 6.99% APR*
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12-month term for simple, predictable payments
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Minimum loan amounts starting at just $1,000
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Fast, easy approval
Make 2026's payments predictable with your trusted local partners!
It's easy to get started: apply through BayFedOnline or the BayFed Mobile app for a streamlined experience!
*Special low rate for personal loans for a limited time only. The promotional rate is not available for current Bay Federal Credit Union personal loans. Minimum loan amount is $1,000. Only available for a 12-month term. Rates and conditions vary based on creditworthiness and qualifications. The loan must be funded between November 3, 2025, and January 31, 2026, to qualify for the special low rate. This offer is subject to change without notice.
Payment example: Loan amount of $2,000 at 8.99% Annual Percentage Rate (APR) for 12 months would have monthly payments of $174.89
All loans are subject to credit approval, income verification, and valid Social Security Number or ITIN per Bay Federal Credit Union lending requirements. Bay Federal Credit Union membership is required at the time of funding. Other terms and conditions may apply. For more information, visit any Bay Federal Credit Union branch or call us at 831.479.6000 or 888.4BAYFED.