With low rates and fixed terms, a personal loan can help you with back-to-school expenses.
Start the Year Prepared
Every year, back-to-school season arrives faster than expected, and supplies and electronics add up quickly and rarely fits neatly into a monthly budget.
A Bay Federal personal loan gives your family a practical way to cover school costs:
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Rates as low as 7.49% APR*
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12- to 60-month terms to fit your budget
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Minimum loan amounts starting at just $1,000
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Fast, easy approval
Rates as low as 7.49% APR*
Fast funding and no collateral!
Member Application
Sign into online banking for an expedited application process!
General Application
Not a member yet? Apply for your personal loan through our application portal!
*Based on approval of credit and income verification. Personal Loan amount is for a maximum of $50,000. Terms up to 60 months. Rates, terms, and conditions are subject to change and vary on creditworthiness and qualifications. Minimum loan amount is $1,000.
Payment example: Loan amount of $10,000 with a credit score of 700 - 739 with a 11.24% Annual Percentage Rate (APR) for 60 months would have monthly payments of $218.66.
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 application. Other terms and conditions may apply. For more information, visit any Bay Federal Credit Union branch or call us at 831.479.6000 or toll-free at 888.4BAYFED.