The BECU is a personal line of credit from BECU. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 15.25% - 23.25% APR (advertised APR effective 10/1/2026; subject to change). Loan terms: Revolving line; monthly payment the greater of 2% of the outstanding balance or $25 (based on previous month's balance), auto-withdrawn on the 15th; no grace period (interest from date of advance).