Small Dollar Loans

The Safe Alternative To Risky Payday Loans

We pride ourselves on helping our members — not only in the good times but the difficult times, too. That's why we offer loans most other financial institutions do not. There are no hidden fees or predatory high-interest rates to fear. Skip the payday lender and save big with our low interest rates.

We also partner with a free financial education program, called Bank On Hampton Roads, that combines financial management classes, personalized coaching and an incentive-matched savings challenge to help you take control of your finances. 

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Why Is This The Best Loan For Me? 

Beach Municipal FCU's Small Personal Loan features: 

  • Low, fixed interest rates.
  • Borrow as little as $250.
  • Payments as low as $25.
  • No penalty for early payoff.
  • No application fees.

Save Even More!

We can even reduce our already low rates up to an additional 1/2% APR* if you have any two of the following:

Small Dollar Personal Loan Rates

Personal Loan Rates
Effective Date: Monday, August 1, 2023
Type of LoanAnnual Percentage Rate*
Apply for a loan online
Unsecured Personal Loans 8.95% - 17.95%
Line of Credit Loans 8.95% - 17.95%
Overdraft Line of Credit Loans 9.95% - 17.95%
Share Secured Loans 3.00% above share dividend rate in effect at the time of loan
Certificate Secured Loans 2.00% above share dividend rate in effect at the time of loan

*APR=Annual Percentage Rate. All loans are subject to approval. Some restrictions may apply. Rates are subject to change without notice. Rates are accurate as of the effective date above. Relationship discounts may apply; however, a floor rate of 2.75% APR is in effect. Floor rate does not apply to Certificate or Share Secured loans. Rates, terms and conditions are subject to change and may vary based on credit score, qualifications and collateral conditions. Please contact us for details.

Credit Life and Credit Disability Insurance

With Credit Life and Credit Disability coverage, you’ll have peace of mind knowing you can:

  • Reduce your financial burden.
  • Protect your income, your collateral and your credit rating.
  • Receive coverage at home and at work.

While credit insurance is not required to obtain a loan, the policies will lessen the financial burden on your family. In the event of your death, Credit Life Insurance pays the balance of your loan. Credit Disability Insurance makes your loan payments, up to the policy maximum, if you were to become disabled by a covered sickness or accident.

For more information on how Credit Life and Credit Disability coverage can protect you, contact us at 757.333.7787 or through our secure Contact Us form.

Loan Amortization Calculator - Personal Loans

*APR=Annual Percentage Rate. All loans are subject to approval. Some restrictions may apply. Please see a Loan Officer for details.

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