Best Personal Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Star Ratings
- Finance Calculators
Current competitive personal loan options include: Oak Lawn Municipal Employees Credit UnionOak Lawn Municipal Employees Credit Union9446 RAYMOND AVE, OAK LAWN, IL, 60453A+5.0 ★Texas Ratio: 0.00%'s SIGNATURE LOANS - 12 MONTHS ($0.01 - $3,000.00) has an APR of 3.99%, Oak Lawn Municipal Employees Credit UnionOak Lawn Municipal Employees Credit Union9446 RAYMOND AVE, OAK LAWN, IL, 60453A+5.0 ★Texas Ratio: 0.00%'s SIGNATURE LOANS - 18 MONTHS ($0.01 - $3,000.00) has an APR of 3.99%, Puget Sound Refinery Federal Credit UnionPuget Sound Refinery Federal Credit Union12275 Bartholomew Rd, Anacortes, WA, 98221A5.0 ★Texas Ratio: 7.38%'s Share Secured Loan has an APR of 4.00%, LOCO Credit UnionLOCO Credit Union808 Washington Ave, Alamogordo, NM, 88310 5166A+5.0 ★Texas Ratio: 3.89%'s Share Secured/Credit Builder Loans has an APR of 4.00%, and Haverhill Fire Department Credit UnionHaverhill Fire Department Credit Union75 Kenoza Ave, Haverhill, MA, 01830 4132A+5.0 ★Texas Ratio: 0.13%'s Share Secured/Credit Building Loan has an APR of 4.49%. Personal loan rates as of September 12, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders can save you significantly over the life of your loan.
We empower borrowers with transparent, proprietary financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can confidently borrow from a stable, highly-rated institution.
Personal loan rates reflect recent market quotes and representative offers available to borrowers. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: September 12, 2026
Personal Loan Rates
No additional details provided.
No additional details provided.
Share Secured loan rate is 4.0% above the current dividend rate with automatic payment.
Dividend rate earned plus *
No additional details provided.
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No additional details provided.
Annual Percentage Rate (APR) is fixed. Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. Monthly payment amount is calculated per $1,000 and is based on a 30 day month.
Secured by Shares
Rates are based on credit score & term of the loan. Loan loyalty discounts apply. Optional - Start your Debt Diet with our FREE Financial Wellness Review.
2
Annual Percentage Rate (APR) is fixed. Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. Monthly payment amount is calculated per $1,000 and is based on a 30 day month.
Rate quoted based on 36 month term, $500 up to $30,000 for an Anything Loan or borrow $1,000 up to $30,000 for a Debt Consolidation Loan. Rates and terms may be different as determined by collateral and individual credit worthiness. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).
No additional details provided.
MUST HAVE A 650 OR HIGHER CREDIT SCORE
$500
Term: A+ Credit | Up to 36 Months
As Low As; Must provide proof of studentship.
Fixed rate. Maximum $25,000. Savings/certificate continues earning dividends.
Rate/APR*
No additional details provided.
Fixed Rate*
As low as
As low as; Rate applies to loans with a maximum loan amount of $50,000.00.
As Low As
Loan Amount: $6,000 to $9,999
No additional details provided.
2
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 7.70%
As Low As; A loan for anything in your life. Vacations, weddings, medical costs, adoption costs, and much more. A fixed term low rate personal loan can help. We're here to help you get the right loan personalized for your unique situation.
As low as
*
Term: 60 Month & 120 Month Terms; Minimum $5,000.00; Maximum $75,000.00
Term: 60 Month & 120 Month Terms; Maximum $75,000.00
Oferta valida hasta el 30/9/26
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 8.10%
No additional details provided.
Share account balance a minimum of 10.00% of loan balance
As low as; Inspired Checking Rate: 5.74%
Balance: $3,001.00 - $6,000.00
Balance: $3,001.00 - $6,000.00
Balance: $3,001.00 - $6,000.00
Minimum Loan: $4,000
Loan Amount: $10,000 to $19,999
+2.00% above Share Savings Dividend Rate*
+2.00% above Share Savings Dividend Rate*
Up to $15,000; As low as
RATE range: 6.00% to 15.00%
Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Rate with Maximum Discount*; Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Regular APR: 6.00%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
2
Get the money you need.
NADA Retail; Used Vehicle Loan; no cash out
No additional details provided.
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 8.70%
Refinance Rate**
As Low As; Max Amount: $100,000
As Low As
As Low As; Auto Pay Discount: 6.39%
No additional details provided.
As Low As
Loan Amount: $20,000 to $49,999
As Low As; Special fixed up to 15 months!
As Low As; Especial hasta 15 meses!
Minimum Loan Amount: $5,000
As low as
APR is variable and subject to change. ^
No additional details provided.
No additional details provided.
As Low As
As Low As; Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
No additional details provided.
No additional details provided.
Based on individual applications; RATE range: 6.5%, 7.5%, 12.5%,14.5%, or 17.5%
Credit Score: 660 and up
No additional details provided.
Maximum loan amount $5,000.00. Maximum of one (1) per member.
As Low As
As low as
APRs as low as 6.53%. Funding is as little as 24 hours.
The minimum loan amount for the 12 month term is $1,000.
No additional details provided.
up to $5,000.00 maximum with approved credit
As low as
As Low As; Max Amount: $100,000
No additional details provided.
As low as; Loan Amount: Up to $25,000
No additional details provided.
Down Payment: 0%
APR range: 6.75%-10.75%; Rates current as of January 2, 2026. Rates subject to change without notice. The APR is the Annual Percentage Rate, which may vary based on based on factors like loan amount, credit score, and other variables. Please Contact Us for more information on all available loan rates and programs.
No additional details provided.
No additional details provided.
As Low As; ($10,000 min, $50,000 max)
Rates are effective as of September 10, 2026 and are subject to change. Fixed rates for the term of your loan. The 72 month Signature Loan has a $10,000 minimum loan requirement. 0.5% discount with automatic payments.
As Low As; Please contact one of our friendly Member Service Representatives for more details. We offer a 0.25% rate discount on new and used vehicle loans when 20% cash down is made (the First-Time Buyer program is exempt from the discount).
No additional details provided.
No additional details provided.
No additional details provided.
Margin: 3.000%
Prime Rate is 6.75% as of Dec. 11, 2025
In-ground pools only (can include hardscape - concrete and fencing); minimum loan amount $10,000; maximum loan amount $70,000; A mortgage will be filed on the property -mortgage tax, recording fees and flood certification will be paid by CU, if the loan is paid off within the first 24 months of origination the fees will be paid back by the borrower (TRID rule apply - LE and CD need to be issued - there will be a 3 day rescission period before funds can be disbursed); Items needed at application include estimate from the contractor installing the pool, copy of deed (showing ownership of property), income verification may be requested. Rates vary by loan to value. The rate will not exceed 14.95% APR. The floor rate is 3.95%. Rates are valid as of 09/12/2026.
As Low As*
Models 2023-2026
Amount: Up to $25,000; Credit Tier: 680-739 credit score
As Low As
As Needed
As Low As
Rates are based on creditworthiness. Lowest stated loan rate is contingent upon having a Skyward checking account and setting up automatic loan payments. Fees, limitations, and conditions may apply.
No additional details provided.
Term: 6 months to 72 months; Need extra money for life's unexpected expenses or planned purchases? Telco Plus Credit Union Personal Loans provide affordable financing with competitive rates, flexible terms, and quick local decisions to help you reach your financial goals. Whether you're looking to consolidate high-interest debt, finance a vacation, pay for home improvements, cover medical expenses, purchase appliances, or handle unexpected bills, our personal loans are designed to fit your needs and budget. Why Choose a Telco Plus Personal Loan? Competitive low interest rates. Fast local loan decisions and processing. Flexible repayment terms. Fixed monthly payments. No collateral required for qualified unsecured loans. Secured loan options available for even lower rates. Friendly local service from a trusted East Texas credit union. Our lending team works with members to find the financing option that best fits their situation. Whether you need a small personal loan or a lar
As Low As
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As Low As
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No additional details provided.
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Rates Starting At...
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No additional details provided.
new rates require a minimum advance of $1,000.00; up to 60 months
Rates As Low As
As Low As; Borrow $11,000 to $20,000 with predictable, fixed terms from 48 to 60 months. This limited-time promotion runs June 1 through August 31, 2026!
Credit Score: A+ = 750+
No additional details provided.
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Term: 180 Month & 240 Month Terms; Minimum $5,000.00; Maximum $75,000.00
Term: 180 Month & 240 Month Terms; Maximum $75,000.00
Limit of $10,000.00
As Low As
As Low As
APR with Discount as low as*; 6.45%
Maximum personal limit is $10,000.00. Rates subject to change. Call to confirm rates shown.
As low as
No additional details provided.
As Low As
Rates as Low as
As low as; Rate was 7.50%
No additional details provided.
One Signature - $5,000.00; Two Signatures - $10,000.00
As low as
As Low As
As low as; $8,500 Maximum
As Low As; Rates as low as 6.99%
Loan Amounts: $1,000-$1,500
Loan Amounts: $1,501-$3,000
Rates subject to change without notice. Rates are 'as low as'.
No additional details provided.
As Low As; Amount: Up to $40,000
No additional details provided.
Borrow up to $20,000
Rates are tiered, rate shown as low as. APR is subject to change without notice.
$5,000 limit
As Low As
As Low As
No additional details provided.
Special Rate; As Low As
Loan amounts of $500 - $30,000
As low as
No additional details provided.
FICO Score: Platinum 740+
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. 700 credit score and above. Cannot be combined with any other offer other than the 3-star discount. Promotion may be cancelled at any time. Effective July 1 - September 30, 2026.
UCC Filing attached to them.
Back to School Special: Fixed 6.99% APR for qualifying borrowers on unsecured loans up to $2,500 for up to 24 months.
Up to $50,000
Share account balance a minimum of 10.00% of loan balance
As low as; Inspired Checking Rate: 6.74%
Credit Score: 740+; Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle. Minimum loan amount is $250. Maximum loan repayment period is 48 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
Rate: 6.99% - 16.00%; Min-Max Amount: $500 - $5,000; APR range: 6.99% - 16.00%
As Low As
As low as
As Low As;*
Secured by Share Certificate
APR range: 6.99% - 14.24%
No additional details provided.
As low as; Maximum Amount: $40,000
No additional details provided.
No additional details provided.
No additional details provided.
Term: Up to 3 years (36 mos.); A signature loan based on income and credit history.
Starting at; Personal Loans (Signature - $20,000 max.)
As Low As; Rates starting at
$30,000
Dollar Limit: $15,000
Term: 12 months - 60 months**
As low as
No additional details provided.
As low as; Subject to change
Credit Score: 725 - UP
Minimum Loan Amount: $7,000
No additional details provided.
As low as
APR is variable and subject to change. ^
As Low As; With Approved Credit; Monthly Payments
As Low As
As Low As
No additional details provided.
Personal Loan Rates
Term: A+ Credit | Up to 36 Months
As Low As; A loan for anything in your life. Vacations, weddings, medical costs, adoption costs, and much more. A fixed term low rate personal loan can help. We're here to help you get the right loan personalized for your unique situation.
*
Share account balance a minimum of 10.00% of loan balance
Minimum Loan: $4,000
Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Rate with Maximum Discount*; Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Get the money you need.
As Low As; Auto Pay Discount: 6.39%
As Low As
As Low As; Special fixed up to 15 months!
Minimum Loan Amount: $5,000
APR is variable and subject to change. ^
No additional details provided.
As Low As; Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
No additional details provided.
No additional details provided.
Maximum loan amount $5,000.00. Maximum of one (1) per member.
APRs as low as 6.53%. Funding is as little as 24 hours.
The minimum loan amount for the 12 month term is $1,000.
up to $5,000.00 maximum with approved credit
No additional details provided.
As Low As; ($10,000 min, $50,000 max)
As Low As; Please contact one of our friendly Member Service Representatives for more details. We offer a 0.25% rate discount on new and used vehicle loans when 20% cash down is made (the First-Time Buyer program is exempt from the discount).
No additional details provided.
Margin: 3.000%
Prime Rate is 6.75% as of Dec. 11, 2025
As Low As*
Models 2023-2026
Amount: Up to $25,000; Credit Tier: 680-739 credit score
As Needed
Term: 6 months to 72 months; Need extra money for life's unexpected expenses or planned purchases? Telco Plus Credit Union Personal Loans provide affordable financing with competitive rates, flexible terms, and quick local decisions to help you reach your financial goals. Whether you're looking to consolidate high-interest debt, finance a vacation, pay for home improvements, cover medical expenses, purchase appliances, or handle unexpected bills, our personal loans are designed to fit your needs and budget. Why Choose a Telco Plus Personal Loan? Competitive low interest rates. Fast local loan decisions and processing. Flexible repayment terms. Fixed monthly payments. No collateral required for qualified unsecured loans. Secured loan options available for even lower rates. Friendly local service from a trusted East Texas credit union. Our lending team works with members to find the financing option that best fits their situation. Whether you need a small personal loan or a lar
As Low As
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; Borrow $11,000 to $20,000 with predictable, fixed terms from 48 to 60 months. This limited-time promotion runs June 1 through August 31, 2026!
Credit Score: A+ = 750+
*
Limit of $10,000.00
Maximum personal limit is $10,000.00. Rates subject to change. Call to confirm rates shown.
As low as
No additional details provided.
As Low As
Rates as Low as
As low as
As Low As; Rates as low as 6.99%
Loan Amounts: $1,000-$1,500
Loan Amounts: $1,501-$3,000
Rates subject to change without notice. Rates are 'as low as'.
No additional details provided.
As Low As; Amount: Up to $40,000
Borrow up to $20,000
As Low As
Special Rate; As Low As
Loan amounts of $500 - $30,000
No additional details provided.
Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. 700 credit score and above. Cannot be combined with any other offer other than the 3-star discount. Promotion may be cancelled at any time. Effective July 1 - September 30, 2026.
Share account balance a minimum of 10.00% of loan balance
Credit Score: 740+; Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle. Minimum loan amount is $250. Maximum loan repayment period is 48 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
As Low As
As low as
As Low As;*
As low as; Maximum Amount: $40,000
No additional details provided.
Starting at; Personal Loans (Signature - $20,000 max.)
As Low As; Rates starting at
Dollar Limit: $15,000
No additional details provided.
Minimum Loan Amount: $7,000
No additional details provided.
APR is variable and subject to change. ^
As Low As
No additional details provided.
Debt Consolidation Loan Rates
No additional details provided.
Rates are based on credit score & term of the loan. Loan loyalty discounts apply. Optional - Start your Debt Diet with our FREE Financial Wellness Review.
2
Rate quoted based on 36 month term, $500 up to $30,000 for an Anything Loan or borrow $1,000 up to $30,000 for a Debt Consolidation Loan. Rates and terms may be different as determined by collateral and individual credit worthiness. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).
No additional details provided.
Rate/APR*
Fixed Rate*
As low as
No additional details provided.
2
As low as
2
NADA Retail; Used Vehicle Loan; no cash out
No additional details provided.
No additional details provided.
Rates are tiered, rate shown as low as. APR is subject to change without notice.
As Low As
Signature Loan Rates
No additional details provided.
No additional details provided.
As Low As; Must provide proof of studentship.
Balance: $3,001.00 - $6,000.00
Balance: $3,001.00 - $6,000.00
Balance: $3,001.00 - $6,000.00
RATE range: 6.00% to 15.00%
As low as
No additional details provided.
No additional details provided.
Credit Score: 660 and up
As low as
As low as
No additional details provided.
As low as; Loan Amount: Up to $25,000
Rates are effective as of September 10, 2026 and are subject to change. Fixed rates for the term of your loan. The 72 month Signature Loan has a $10,000 minimum loan requirement. 0.5% discount with automatic payments.
No additional details provided.
No additional details provided.
As Low As
No additional details provided.
new rates require a minimum advance of $1,000.00; up to 60 months
Rates As Low As
No additional details provided.
As Low As
As low as; Rate was 7.50%
As Low As
As low as; $8,500 Maximum
$5,000 limit
No additional details provided.
Rate: 6.99% - 16.00%; Min-Max Amount: $500 - $5,000; APR range: 6.99% - 16.00%
APR range: 6.99% - 14.24%
No additional details provided.
$30,000
Term: 12 months - 60 months**
As low as
As low as; Subject to change
As low as
As Low As; With Approved Credit; Monthly Payments
As Low As
Personal Loan Rate Trends
Weekly average APRs, compiled from 8,500+ banks & credit unions, updated nightly.
Personal Loan rates rose 0.101 points this week to 10.974%, up from 10.874% last week.
Signature Loan rates rose 0.087 points this week to 11.114%, up from 11.027% last week.
Personal Loan Rate Trends
Weekly average APRs. Hover to see exact rates for each week.
Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and debt consolidation averages from the current national figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles; advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at today’s average personal loan APR of 10.97%, across the terms lenders most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.98/mo | $163.63/mo | $129.17/mo | $108.65/mo |
| $10,000 | $465.96/mo | $327.27/mo | $258.33/mo | $217.30/mo |
| $15,000 | $698.94/mo | $490.90/mo | $387.50/mo | $325.94/mo |
| $25,000 | $1,164.90/mo | $818.16/mo | $645.83/mo | $543.24/mo |
| $35,000 | $1,630.86/mo | $1,145.43/mo | $904.16/mo | $760.54/mo |
Principal and interest only, calculated from the current average APR. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt: What You Could Save
Debt consolidation is the single most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the current personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (current average) | 10.97% | $387.50 | $3,600 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,550 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,085 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,677 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and increase interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
About Our Personal Loan Rate Database
The tables on this page surface the lowest-APR personal loan offers we track: unsecured personal loans, debt consolidation loans, and signature loans, drawn from the thousands of verified rates in our database. Every APR is sourced directly from the lender’s own website and re-verified regularly, so what you compare here is what lenders are actually advertising today.
The lowest verified personal loan APR in our database right now is 3.99% APR from Oak Lawn Municipal Employees Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.
How to Get the Best Personal Loan Rate
Prequalify With a Soft Credit Check
Most lenders will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several lenders before formally applying. The advertised rate is the best-qualified rate, and the number you personally get can differ by many points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and are deducted from your proceeds, so a loan with a lower interest rate can easily cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our database, and many charge no origination fee at all. Federal credit unions are also capped by regulation on what they may charge, which puts a ceiling on your rate that most other lenders don’t have.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest option. Here is how it compares to the main alternatives.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment, fixed payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid off in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with today’s personal loan average, or click any current rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Comprehensive Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products across the country. We feature a comprehensive mix of lenders, from neighborhood credit unions and regional banks to large online lenders available to borrowers in all 50 states.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan amount, term, and other underwriting factors.
Frequently Asked Questions
Is it better to get a personal loan from a bank or credit union?
What credit score do I need to get a personal loan?
What is the difference between a secured and unsecured personal loan?
Can I use a personal loan to consolidate credit card debt?
What is an origination fee and how does it affect my cost?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
Top Personal Loan Rates
- Oak Lawn Municipal Employees Credit Union: 3.99% APR (SIGNATURE LOANS - 12 MONTHS ($0.01 - $3,000.00))
- Oak Lawn Municipal Employees Credit Union: 3.99% APR (SIGNATURE LOANS - 18 MONTHS ($0.01 - $3,000.00))
- Puget Sound Refinery Federal Credit Union: 4.00% APR (Share Secured Loan)
- LOCO Credit Union: 4.00% APR (Share Secured/Credit Builder Loans)
- Haverhill Fire Department Credit Union: 4.49% APR (Share Secured/Credit Building Loan)
Personal Loan Rates by State
