Personal loans in Bremerton, WA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bremerton, WA.
The median household in Bremerton earns $74,940 a year, 24% below the Washington median of $98,141. About 14% of residents live below the federal poverty line, and 51.9% of households rent their home.
Washington law that applies in Bremerton
| Rate cap | A licensee may lend at a rate of no more than 25% a year, computed by the simple interest method. |
|---|---|
| License required | Yes. |
Full rules with statute citations: Personal Loans in Washington. Cities in Washington cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Bremerton
Lenders that serve Bremerton typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Bremerton
What Bremerton borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Bremerton
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Bremerton
5 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Heritage Bank | 2 | 1000 6th St Ste 300, Bremerton 98337 |
| U.S. Bank National Association | 1 | 2020 6th St, Bremerton 98337 |
| WaFd Bank | 1 | 5265 State Highway 303 Ne, Bremerton 98311 |
| JPMorgan Chase Bank, National Association | 1 | 4340 Wheaton Way, Bremerton 98310 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bremerton
8 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 7058 Wa - 303, Bremerton 98311 |
| Gesa | 5363 Auto Center Way, Bremerton 98312 |
| Kitsap | 155 Washington Ave, Bremerton 98337 |
| Connection | 911 Park Ave, Bremerton 98337 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Kitsap County · Payday Loans in Bremerton
Frequently asked questions
Can I get a personal loan with bad credit in Bremerton?
Possibly. Lenders in our network consider applicants with fair and bad credit across Washington, including Bremerton. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Bremerton, WA?
25% simple annual interest cap plus up to 4% origination fee (Consumer Loan Act).
How fast can I get a personal loan in Bremerton?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Where can I find a loan for bad credit in Bremerton?
You can apply at local banks and lenders in Bremerton, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
How can I get an emergency loan in Bremerton?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Bremerton with our free 3-minute form.
Can I get a personal loan in Bremerton with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Bremerton residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Bremerton?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.