Personal loan rates as low as 5.99% APR for a 12-month term.*
More Options for Your Holiday Budget
Holiday travel, gifts, and gatherings can add up. A Bay Federal personal loan offers a way to manage planned expenses with a defined repayment schedule. And while the promotional rate applies to qualifying 12-month loans, other terms are available, too.
Benefits That Make Planning Easier
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Loans starting at $1,000
Apply for an amount that fits your plans. -
Terms up to 60 months
Explore available terms beyond the promotional 12-month option. -
Predictable monthly payments
Know what to expect when planning your monthly budget. -
A clear payoff timeline
Know when your loan is scheduled to be paid off if payments are made as agreed.
Borrow With a Plan
When you’re planning ahead, knowing how you’ll repay what you borrow can matter just as much as the expense itself. A personal loan provides a defined schedule from the beginning, helping you plan for the months ahead.
Ready to Get Started?
Apply below. If you're already a member, then go to online banking for a streamlined application experience!
Prefer to apply in person? Visit a Bay Federal branch and we’ll help you get started.
*5.99% Annual Percentage Rate (APR) is available for qualifying personal loans with a 12-month term. Minimum loan amount is $1,000. Rates and terms are based on creditworthiness and other qualifications. Other rates and terms are available. To qualify for this promotional rate, the loan must be funded between November 2, 2026, and January 31, 2027. Offer is subject to change without notice.
Payment Example: A $2,000 personal loan at 5.99% APR for a 12-month term would require a monthly payment of $172.12.
All loans are subject to credit approval, income verification, and a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), in accordance with Bay Federal Credit Union's 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 831.479.6000 or 888.4BAYFED.