Flexible Financing for Whatever Life Brings
Whether you're consolidating debt, improving your home, or covering an unexpected expense, a personal loan or line of credit from Minnesota-based Blaze Credit Union can help you move forward with confidence.
Enjoy no origination or pre-payment fees. From application to loan funding, the process is quick and easy.
Why Choose a Blaze Personal Loan or Line of Credit
A personal loan or line of credit from Blaze can be used for just about any reason.
Consolidate your debt, improve your home or garden, plan a trip or life event, or cover an unexpected expense with rates often lower than a credit card and terms that fit your needs.
No Origination or Pre-payment Fees
There is no origination fee when you apply for a Blaze Personal loan or Line of Credit.
Make extra payments or pay your loan off early without any pre-payment fees.
Competitive Rates
As a credit union, we work to better the lives of our members.
The profits we make are returned back to you, our member, in the form of reduced fees, higher savings rates, and lower loan rates.
Blaze Makes Financing Quick & Easy
Apply for your Blaze loan online in just minutes and find out if you're approved within two business hours.
You can also meet with a Blaze representative to discuss your options and apply on the spot.
Getting Started with Blaze Personal Loan Options
Different financial needs call for different borrowing solutions. Blaze offers several personal loan and line of credit options to help you find the right fit.
Personal Installment Loan
A personal installment loan provides a lump sum of money that you repay through scheduled monthly payments over a set term.
Blaze offers flexible terms and competitve rates.
Best for borrowers who know how much they need and prefer predictable monthly payments.
Savings or Certificate Secured Loan
A savings or certificate secured loan allows you to borrow money using funds in an eligible Blaze Savings or Certificate account as collateral.
Since the loan is backed by your savings, it may offer a lower interest rate than an unsecured personal loan.
Best for borrowers who have eligible savings or certificates accounts. A secured loan can also help establish or strengthen your credit history.
Utility trailers, classic cars, or lawn/farm equipment can also be used as collateral.
Personal Line of Credit
A personal line of credit provides flexible access to funds when you need them. Rather than receiving the entire loan amount upfront, you can borrow against your approved credit limit as expenses arise.
You can access funds as needed up to your approved limit allowing you to borrow for recurring or unexpected expenses.
Best for borrowers who want ongoing access to funds without applying for a new installment loan each time. You can also use your line of credit as overdraft protection on an eligible Blaze Checking account.
Finance Home Improvements Without Using Your Home's Equity
Ready to refresh your living space? A Blaze Home Improvement Personal loan can help you finance projects without borrowing against your home's equity.
Whether you're remodeling a kitchen, updating a bathroom, finishing a basement, or making other improvements, Blaze offers home improvement financing up to $50,000 with repayment terms up to six years.
No home equity required and no closing costs.
A personal home improvement loan may be a convenient alternative to a home equity loan when you prefer not to use your property as collateral.
Applying for Blaze Personal Loan
Blaze makes applying for a loan fast and easy. Our Minnesota-based loan officers will guide you through each step.
Choose Your Loan
Determine how much you need to borrow and how you plan to use the funds.
Compare available loan options and review the estimated monthly payment.
Complete Your Application
You can quickly apply online or in person at a Blaze Branch.
Blaze will review your credit, employment, income, and asset documentation to evaluate your loan eligibility.
Processing Your Loan
Our Blaze loan processing team will review your loan details and if approved, send your loan documents electronically for you to sign—often within two business hours.
Once approved, you can receive your funds as soon as the same day.
Personal Loan & Line of Credit Rates
Personal loan rates reflect Blaze loyalty benefits including a .25% discount for setting up automatic payments in Blaze Digital Banking.
Personal Installment Loans Rates Effective: 6/9/2025
Rate Type |
APR* | Monthly Term | Monthly Payments |
|---|---|---|---|
| Installment Loans (Under $5,000) | As low as 10.75 (36 month) | Terms available up to 48 months | $32.62 |
| Installment Loans ($5,000 to $10,000) | As low as 9.99 (36 month) | Terms available up to 60 months | $32.26 |
| Installment Loans ($10,000 and Greater) | As low as 9.99 (36 months) | Terms available up to 72 months | $32.26 |
| Home Improvement Installment Loan ($10,000 and Greater) | As low as 8.75 | Up to 72 months | $17.90 |
Line of Credit Rates Effective: 1/1/2024
Rate Type |
APR* | Monthly Term | Monthly Payments |
|---|---|---|---|
| Line of Credit | 18.00 | N/A |
Savings or Certificate Secured Personal Loans Rates Effective: 11/2/2020
Rate Type |
APR* | Monthly Term | Monthly Payments |
|---|---|---|---|
| Share Secured Loans | 3.00% over highest Dividend Share Savings or Certificate Rate | Less than $2,000 up to 48 months or not to exceed the Certificate maturity date. $2,000 and greater up to 120 months or not to exceed the Certificate maturity date. |
Other Secured Personal Loans Rates Effective: 10/28/2026
Rate Type |
APR* | Monthly Term | Monthly Payments |
|---|---|---|---|
| Other Secured Loans (Utility Trailers, Classic Cars, Lawn/Farm Equipment) | 10.50 | Up to 60 months |
*Annual Percentage Rate. All loan rates disclosed reflect a 0.25% discount for automatic payment.
Minimum repayment period of 181 days for personal installment loans.
Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time.
Monthly payments based on $1,000 borrowed.
Personal Loan Payment Example: Assuming a $5,000 personal loan for 36 months at 9.99% APR, the monthly payment will be $161.31.
Calculate Your Journey
Use our free, easy-to-use financial calculators to answer common money questions and help you confidently blaze your financial path.
