Best Personal Loan Rates for October 2026 | As Low as 3.99% APR
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Star Ratings
- Finance Calculators
Personal loan rates range from 3.99% to 7.00% APR, verified by MonitorBankRates as of October 27, 2026. Current competitive personal loan options include: Oak Lawn Municipal Employees Credit Union's Signature Loan has an APR of 3.99%, First National Bank of Omaha's Unsecured Rate has an APR of 4.20%, MembersAlliance Credit Union's Loan Consolidation (5 year) (Variable Rate) has an APR of 4.25%, Haverhill Fire Department Credit Union's Share Secured/Credit Building Loan has an APR of 4.49%, and Maui Teachers Federal Credit Union's Solar Heater Loan has an APR of 4.50%. Personal loan rates as of October 27, 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: October 27, 2026
Personal Loan Rates
Loan amount: up to $3000.00
Fed Funds Borrowed; As of September 16, 2026 FOMC Meeting
As Low As; Variable Rate; Adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
Effective: February 20, 2024
No additional details provided.
Maximum Amount: Unlimited; Required Credit Score: N/A
No additional details provided.
Secured by pledged shares
No additional details provided.
Fixed APR; Actual rate offered may vary
As Low As; Preferred rate with minimum 720 FICO; .50% discount for Automatic Payment; No money down and no pre-payment penalties; No payment for 90 days; Contractors must be approved by the credit union; Rates as of 09/01/2026 (footnote), Loan Rates section current as of October 1, 2026
Maximum $30,000.00
Fixed APR; Actual rate offered may vary
Rate quoted based on 36 month term, borrow $1,000 up to $30,000; 0.25% discount available with e-Statements and automated payments on select loan types
As Low As; Rate may be higher depending on credit history, loan purpose, amount, and/or term
Credit Grade: A+
- Oct 19, 20265.00%▼ from 7.00%
- Sep 18, 20267.00%first recorded
As Low As; Must provide proof of studentship
Credit Score 750; $7,500 Maximum
As Low As; Variable Rate; Adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
No additional details provided.
As Low As; Maximum Loan Amount: $125,000; Rates based on creditworthiness, payment method, and loan term
Credit Score: A 700 & Up; Maximum $30,000 total unsecured
As Low As; Fixed Rate (as low as) 5.250%; Variable Rate (as low as) 4.250% (adjusts quarterly based on Prime Rate); Floor Rate: 4.00%, Ceiling Rate: 18.00%; includes 0.25% auto-pay discount on fixed rate
- Oct 10, 20265.25%▲ from 4.25%
- Sep 22, 20264.25%first recorded
As Low As; APR = rate based on creditworthiness and term of loan; Loan amount minimum $300.00, maximum $50,000.00
As Low As; Rates as low as 5.49%
As Low As; Loan Amount: $6,000 to $9,999
No additional details provided.
Maximum $30,000.00
Term: Installation-Up to 18 Months; As Low As; Monthly interest payments based on the amount outstanding; APR is lowest rate offered with qualifying member relationship; Rates current as of January 22, 2026
Up to $150,000; As Low As; Loan Rate: Starting as low as 5.75%
As Low As; Fixed Rate (as low as) 5.750%; Variable Rate (as low as) 5.000% (adjusts quarterly based on Prime Rate); Floor Rate: 4.00%, Ceiling Rate: 18.00%; includes 0.25% auto-pay discount on fixed rate
- Oct 10, 20265.75%▲ from 5.00%
- Sep 22, 20265.00%first recorded
No additional details provided.
As Low As; Loan amount: Minimum $5,000.00; Maximum $75,000.00
As Low As; Offer valid until 30/11/26
Max Loan: $50,000
As Low As; Annual Percentage Rates based on member credit history; automatic payment option may be required for auto rates
Promotional rate effective January 1, 2026; based on credit worthiness; Unsecured
Loan amount: $3001.00 to $6000.00
No additional details provided.
As Low As; Minimum loan: $4,000; Effective October 1, 2026
As Low As; Loan Amount: $10,000 to $19,999
No additional details provided.
Grade: A+; Maximum: $20,000.00; Share Secured 0-60 Months*: +2.00% above Share Savings Dividend Rate*; Rates published as APR
Signature loan grade D
Up to $15,000; As Low As; Solar loan up to $15,000
Maximum $30,000.00
As Low As; Maximum Loan Amount: $125,000; Rates based on creditworthiness, payment method, and loan term
As Low As; APR is lowest rate offered with qualifying member relationship; Rates current as of January 22, 2026
As Low As; Loan Amount: $0 - $100,000; Rates effective as of 09.08.2025
Pool and Spa Loans; 90% of the purchase price with a maximum loan amount of $10,000
Pool and Spa Loans; 90% of the purchase price with a maximum loan amount of $10,000
Pool and Spa Loans; 90% of the purchase price with a maximum loan amount of $10,000
Pool and Spa Loans; 90% of the purchase price with a maximum loan amount of $10,000
Pool and Spa Loans; 90% of the purchase price with a maximum loan amount of $10,000
Credit Level: Gold; Credit Score: 730 and Up; Max Loan: $3,000.00; One year loan special
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness
- Oct 19, 20266.39%▼ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Rates as low as 6.49%
As Low As; Loan Amount: $10,000 - $100,000; Rates effective as of 09.08.2025
As Low As; Maximum amount $150,000; minimum $5,000 financing; properties in California only
As Low As; w/ Auto Pay Discount: as low as 6.39% APR; Rates based on applicant's credit worthiness
As Low As; Starting at 6.50% Annual Percentage Rate
As Low As; Loan Amount: $20,000 to $49,999
As Low As; Special fixed up to 15 months
As Low As
Published APR range: 6.50% - 16.75%. Rates based on credit history
FICO 751 and above; Loan limit $1,500.00; Holiday & Vacation loan also available at same rate
As Low As; APR
Published rate range: 6.50 - 6.75%. Credit Score: 730+; Rating: A+; $30,000 Max
As Low As; Featured rate; available to qualified members only
Loan limit: $30,000
No additional details provided.
As Low As; APR as low as, determined by creditworthiness; rates for new ONE Credit Union loans only
Rate range based on individual applications: 6.5%, 7.5%, 12.5%, 14.5%, or 17.5%; FICO scores and Debt Ratio used to determine rate on all loans except fully secured loans
Credit Score: 660 and up
No additional details provided.
Effective October 1, 2026
APR range 6.50% - 12.00%; Available Statewide; Maximum loan amount up to $80,000.00; Loans over $40,000 up to $80,000 must include solar to be considered
APR is the Annual Percentage Rate; term limits may apply to personal loans
- Oct 26, 20266.50%▼ from 11.50%
- Oct 14, 202611.50%first recorded
Maximum loan amount $5,000.00; Maximum of one (1) per member
As Low As; Loan Rates subject to change at any time
As Low As; Advertised APR for loans to pay down existing qualifying debt (APR discounted rate, determined at application)
As Low As; Includes .25% auto pay rate discount
- Oct 4, 20266.59%▲ from 6.49%
- Sep 16, 20266.49%first recorded
Maximum Term; Minimum loan amount for the 12 month term is $1,000; Rates are the lowest available and determined by individual creditworthiness
Max Loan: $50,000
As Low As; Minimum of $30,000 loan
Personal Loans Rates headline: 6.70% - 24 months
As Low As; Up to $25,000
As Low As; APR is lowest rate offered with qualifying member relationship; Rates current as of January 22, 2026
As Low As; Loan Amount: $25,000 - $100,000; Rates effective as of 09.08.2025
As Low As; Personal loan APR as low as 6.74% for a loan of at least $10,000 with a 3-year term, including a 0.25% relationship discount (requires qualifying Wells Fargo consumer checking and automatic payments); discounted rates from 6.74% to 26.74% APR; loan amounts $3,000 to $100,000; terms 12 to 84 months
As Low As; Personal loan interest rates as low as 6.74% APR; Loan amounts $3,000 to $100,000; Interest rate discounts from 6.74% to 26.74% APR with Autopay from a qualifying Wells Fargo account; Relationship discount required; Existing Wells Fargo customers only
Term: up to $75,000 and up to 4 years; Rate subject to change without notice
Today's Rates; Range: 6.75% to 15.00% APR
Down Payment: 0%
No additional details provided.
No additional details provided.
As Low As; Rates effective as of 07/01/2025; subject to credit approval
As Low As; Personal loans APR may vary depending on creditworthiness; advertised as-low-as APR assumes excellent borrower credit history
Published APR range: 6.75% to 15.00%.
- Oct 22, 20266.75%▲ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; APR
As Low As; As Needed
Credit Score: A 700 & Up; Maximum $30,000 total unsecured
As Low As; Personal Unsecured loan
As Low As; rates based on FICO score; Maximum Term
As Low As; Rates increase 0.25% if no autopay
As Low As; Rates Start As Low As
As Low As; Rates include 0.50% APR discount for qualifying recurring direct deposit
- Oct 1, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
No additional details provided.
APR range: 6.79% to 18.00%; APR Type: Fixed
- Oct 15, 20266.79%▲ from 6.72%
- Sep 17, 20266.72%first recorded
No additional details provided.
As Low As; New electronics, home renovations, catch up on bills.
As Low As; Interest rate fixed for life of the loan; Limit: $100,000
APR includes 0.25% relationship discount for automatic debit from InFirst Bank checking; Rates accurate as of February 19, 2026
New rates require a minimum advance of $1,000.00
As Low As; Rates As Low As; lowest possible APR for an Unsecured Loan; Loans subject to credit approval
Dollar limits are based on income and credit score; loans under $2,000 have a rate of 8.5%; available after 60 days of membership (no waiting period with credit score of 700 or higher)
No additional details provided.
No additional details provided.
As Low As; Loan amount: Minimum $5,000.00; Maximum $75,000.00
Limit of $10,000.00; Effective as of 11/01/2022
As Low As; Personal Loans; Rate is lowest available and subject to membership eligibility and creditworthiness
APR as low as; APR with Discount as low as: 6.45%
Amount: $3,000 to $30,000; Signature Loan - $30,000 maximum; APR*
Lowest APR available on approved credit; add .50% if automatic payment is not selected; qualifying minimum loan $4,000, minimum credit score 730, maximum term 36 months; APR shown as of 09/28/2026
As Low As
Fall Signature Special, October 5-30; Rate range 6.99% - 13.99% (APR); Loan amount $500 - $3,500; Approval based on credit worthiness; No refinancing of existing MOPAC loans
- Oct 23, 20266.99%▼ from 13.99%
- Sep 25, 202613.99%▲ from 6.99%
- Sep 16, 20266.99%first recorded
As Low As; Maximum Term: 1 Year; APR disclosed is the lowest rate available for a 12-month term; HIFICU membership required
Max Loan: $50,000
As Low As; APR*; Your APR may vary based upon individual credit profile; Rates effective October 1, 2026
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
$8,500; As Low As
As Low As; Advertised APR includes 0.25% discount for automatic monthly payments; APR increases by 0.25% without automatic payment
As Low As; Rate includes 25 basis point reduction for automatic payment
As Low As; current as of October 19th 2026
As Low As; Personal loan rates range between 6.99% APR to 17.99% APR
Featured rate; Rates effective as of 8/3/2026
$5,000 limit
As Low As; Max $25,000; Payment per $1,000 not extracted
As Low As; Effective Date: December 1, 2023
APR range: 6.99% to 15.99%; Effective as of: 06/30/2026
As Low As; Special Rate
As Low As; Loan amounts of $500 - $30,000
As Low As; Standard Rates
Listed APY: 7.22%
- Oct 23, 20266.99%▼ from 7.22%
- Sep 25, 20267.22%▲ from 6.99%
- Sep 14, 20266.99%first recorded
Credit Grade: Platinum; FICO 740+; Minimum Amount: 1,000; Maximum Loan Amount = $30,000
As Low As; Maximum loan about $20,000.00
Alternative Energy Loans; Solar loans will have a UCC Filing attached to them.
As Low As; Loan amount $500 to $25000
- Oct 5, 20266.99%▼ from 8.99%
- Sep 14, 20268.99%first recorded
Unsecured personal loans up to $2,500; well qualified borrowers; offer valid on applications submitted on or before October 17, 2026
- Sep 25, 20266.99%▼ from 7.25%
- Sep 18, 20267.25%first recorded
Loan amount up to $50,000; minimum loan $5,000; APR range 6.99% - 10.99%; owner-occupied single-family homes only
Promotional rate effective January 1, 2026; based on credit worthiness; Unsecured
Rate range: 6.99% - 16.00%; Amount: $500 - $5,000
As Low As; Min. loan amount: $1,000
FICO Range: 740+; Property Lien required and home must not be under a Trust; $250 loan fee required; Maximum loan amount is $100,000
As Low As; Merit based price in effect; actual rate may vary based on your credit score. Terms up to 10 years. $20,000 maximum loan. Solar projects on primary home only. No equity required. Some restrictions apply. Rates effective 09/24/2026.
No additional details provided.
As Low As; Effective Date: July 06, 2026
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Rate quoted for a 12 month term; actual rate determined by credit score and term
As Low As
As Low As; Range: 6.99% to 18.50% APR; 0.25-point discount for direct deposit with an AurGroup checking account
As Low As; Fixed APR range 6.99% - 14.24%
No additional details provided.
As Low As; Maximum Amount: $40,000
Required down payment:; Minimum amount: $1,000; Reduce 1/4% if charged to a Bank of Utica checking account; Effective October 19, 2026
Published rate range: 7.00% to 16.50%. Effective 4/1/2025; Rates based on applicant's credit worthiness; For qualified FAMU FCU members; Variable rate
APR range: 7.00% - 12.00%; Rate based on personal credit profile; signature loans up to $25,000
Term: Up to 3 years (36 mos.); Published APR range: 7.00% to 10.50%. Maximum Amount: $30,000
Up to $25,000 Maximum Financing; APR*
As Low As; Signature loan, max $20,000
No additional details provided.
Grade: Platinum; Credit Score: 730+; Dollar Limit: $15,000; Rate may be higher after credit history review
Published APR range: 7.00% - 15.00%. Maximum loan amount is $20,000; lower limits may be applicable; final loan rate determined by overall credit score based upon Equifax Beacon Score
Term: 12 months - 60 months; APR range: 7.00% - 14.00%; Rate, maximum term and loan amount may vary based on credit qualifications; may not be used to refinance an existing SWSFCU loan
As Low As; Group Signature
No additional details provided.
As Low As; Up to $8,000; Featured Rate
As Low As; Maximum Amount: $4,000; Only Glendale City employees are eligible for zero-percent computer loans. Requires city approval.
No additional details provided.
APR = Annual Percentage Rate; Rates as low as; Loan Rates Effective May 1, 2026
As Low As
Published APR range: 7.00% - 17.00%. Rates based on credit history
As Low As; APR as low as 7.00%
Credit Rating: A+; Credit Score: 760+; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Risk Grade: A; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options
Max Loan: $9,500; Credit Tier: A 850-680
As Low As; Starting as low as 7% APR
As Low As; Loan amount: $500.00 minimum up to $14,999.00; Other Loans
Personal Loan Rates
As Low As; Rate may be higher depending on credit history, loan purpose, amount, and/or term
Credit Grade: A+
- Oct 19, 20265.00%▼ from 7.00%
- Sep 18, 20267.00%first recorded
No additional details provided.
Promotional rate effective January 1, 2026; based on credit worthiness; Unsecured
As Low As; Minimum loan: $4,000; Effective October 1, 2026
As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness
- Oct 19, 20266.39%▼ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; w/ Auto Pay Discount: as low as 6.39% APR; Rates based on applicant's credit worthiness
As Low As; Starting at 6.50% Annual Percentage Rate
As Low As; Special fixed up to 15 months
Published APR range: 6.50% - 16.75%. Rates based on credit history
Published rate range: 6.50 - 6.75%. Credit Score: 730+; Rating: A+; $30,000 Max
As Low As; Featured rate; available to qualified members only
Loan limit: $30,000
No additional details provided.
APR is the Annual Percentage Rate; term limits may apply to personal loans
- Oct 26, 20266.50%▼ from 11.50%
- Oct 14, 202611.50%first recorded
Maximum loan amount $5,000.00; Maximum of one (1) per member
As Low As; Advertised APR for loans to pay down existing qualifying debt (APR discounted rate, determined at application)
As Low As; Includes .25% auto pay rate discount
- Oct 4, 20266.59%▲ from 6.49%
- Sep 16, 20266.49%first recorded
Maximum Term; Minimum loan amount for the 12 month term is $1,000; Rates are the lowest available and determined by individual creditworthiness
As Low As; Minimum of $30,000 loan
Personal Loans Rates headline: 6.70% - 24 months
As Low As; Personal loan APR as low as 6.74% for a loan of at least $10,000 with a 3-year term, including a 0.25% relationship discount (requires qualifying Wells Fargo consumer checking and automatic payments); discounted rates from 6.74% to 26.74% APR; loan amounts $3,000 to $100,000; terms 12 to 84 months
As Low As; Personal loan interest rates as low as 6.74% APR; Loan amounts $3,000 to $100,000; Interest rate discounts from 6.74% to 26.74% APR with Autopay from a qualifying Wells Fargo account; Relationship discount required; Existing Wells Fargo customers only
Term: up to $75,000 and up to 4 years; Rate subject to change without notice
Down Payment: 0%
No additional details provided.
As Low As; Rates effective as of 07/01/2025; subject to credit approval
As Low As; Personal loans APR may vary depending on creditworthiness; advertised as-low-as APR assumes excellent borrower credit history
As Low As; As Needed
As Low As; Rates increase 0.25% if no autopay
No additional details provided.
APR includes 0.25% relationship discount for automatic debit from InFirst Bank checking; Rates accurate as of February 19, 2026
No additional details provided.
No additional details provided.
Limit of $10,000.00; Effective as of 11/01/2022
Lowest APR available on approved credit; add .50% if automatic payment is not selected; qualifying minimum loan $4,000, minimum credit score 730, maximum term 36 months; APR shown as of 09/28/2026
As Low As
As Low As; APR*; Your APR may vary based upon individual credit profile; Rates effective October 1, 2026
As Low As; Advertised APR includes 0.25% discount for automatic monthly payments; APR increases by 0.25% without automatic payment
As Low As; Rate includes 25 basis point reduction for automatic payment
As Low As; current as of October 19th 2026
As Low As; Max $25,000; Payment per $1,000 not extracted
As Low As; Effective Date: December 1, 2023
As Low As; Special Rate
As Low As; Loan amounts of $500 - $30,000
Listed APY: 7.22%
- Oct 23, 20266.99%▼ from 7.22%
- Sep 25, 20267.22%▲ from 6.99%
- Sep 14, 20266.99%first recorded
As Low As; Maximum loan about $20,000.00
Unsecured personal loans up to $2,500; well qualified borrowers; offer valid on applications submitted on or before October 17, 2026
- Sep 25, 20266.99%▼ from 7.25%
- Sep 18, 20267.25%first recorded
Promotional rate effective January 1, 2026; based on credit worthiness; Unsecured
As Low As; Min. loan amount: $1,000
As Low As; Effective Date: July 06, 2026
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Rate quoted for a 12 month term; actual rate determined by credit score and term
As Low As
As Low As; Maximum Amount: $40,000
Published rate range: 7.00% to 16.50%. Effective 4/1/2025; Rates based on applicant's credit worthiness; For qualified FAMU FCU members; Variable rate
Up to $25,000 Maximum Financing; APR*
As Low As; Signature loan, max $20,000
Grade: Platinum; Credit Score: 730+; Dollar Limit: $15,000; Rate may be higher after credit history review
No additional details provided.
As Low As; Maximum Amount: $4,000; Only Glendale City employees are eligible for zero-percent computer loans. Requires city approval.
No additional details provided.
APR = Annual Percentage Rate; Rates as low as; Loan Rates Effective May 1, 2026
Published APR range: 7.00% - 17.00%. Rates based on credit history
As Low As; APR as low as 7.00%
Risk Grade: A; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options
As Low As; Starting as low as 7% APR
Debt Consolidation Loan Rates
As Low As; Variable Rate; Adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
No additional details provided.
Maximum $30,000.00
Rate quoted based on 36 month term, borrow $1,000 up to $30,000; 0.25% discount available with e-Statements and automated payments on select loan types
As Low As; Variable Rate; Adjusts quarterly based on the Prime Rate; Floor Rate: 4.00%, Ceiling Rate: 18.00%
No additional details provided.
As Low As; Fixed Rate (as low as) 5.250%; Variable Rate (as low as) 4.250% (adjusts quarterly based on Prime Rate); Floor Rate: 4.00%, Ceiling Rate: 18.00%; includes 0.25% auto-pay discount on fixed rate
- Oct 10, 20265.25%▲ from 4.25%
- Sep 22, 20264.25%first recorded
No additional details provided.
Maximum $30,000.00
Up to $150,000; As Low As; Loan Rate: Starting as low as 5.75%
As Low As; Fixed Rate (as low as) 5.750%; Variable Rate (as low as) 5.000% (adjusts quarterly based on Prime Rate); Floor Rate: 4.00%, Ceiling Rate: 18.00%; includes 0.25% auto-pay discount on fixed rate
- Oct 10, 20265.75%▲ from 5.00%
- Sep 22, 20265.00%first recorded
Maximum $30,000.00
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details provided.
As Low As; Advertised APR for loans to pay down existing qualifying debt (APR discounted rate, determined at application)
As Low As; New electronics, home renovations, catch up on bills.
Featured rate; Rates effective as of 8/3/2026
Credit Rating: A+; Credit Score: 760+; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Signature Loan Rates
Loan amount: up to $3000.00
As Low As; Must provide proof of studentship
Credit Score 750; $7,500 Maximum
Credit Score: A 700 & Up; Maximum $30,000 total unsecured
As Low As; Annual Percentage Rates based on member credit history; automatic payment option may be required for auto rates
Loan amount: $3001.00 to $6000.00
Signature loan grade D
Credit Level: Gold; Credit Score: 730 and Up; Max Loan: $3,000.00; One year loan special
As Low As
No additional details provided.
Credit Score: 660 and up
Effective October 1, 2026
As Low As; Loan Rates subject to change at any time
As Low As; Up to $25,000
No additional details provided.
As Low As; APR
Credit Score: A 700 & Up; Maximum $30,000 total unsecured
APR range: 6.79% to 18.00%; APR Type: Fixed
- Oct 15, 20266.79%▲ from 6.72%
- Sep 17, 20266.72%first recorded
No additional details provided.
New rates require a minimum advance of $1,000.00
As Low As; Rates As Low As; lowest possible APR for an Unsecured Loan; Loans subject to credit approval
Dollar limits are based on income and credit score; loans under $2,000 have a rate of 8.5%; available after 60 days of membership (no waiting period with credit score of 700 or higher)
As Low As; Personal Loans; Rate is lowest available and subject to membership eligibility and creditworthiness
Amount: $3,000 to $30,000; Signature Loan - $30,000 maximum; APR*
Fall Signature Special, October 5-30; Rate range 6.99% - 13.99% (APR); Loan amount $500 - $3,500; Approval based on credit worthiness; No refinancing of existing MOPAC loans
- Oct 23, 20266.99%▼ from 13.99%
- Sep 25, 202613.99%▲ from 6.99%
- Sep 16, 20266.99%first recorded
As Low As; Maximum Term: 1 Year; APR disclosed is the lowest rate available for a 12-month term; HIFICU membership required
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
$8,500; As Low As
$5,000 limit
APR range: 6.99% to 15.99%; Effective as of: 06/30/2026
As Low As; Loan amount $500 to $25000
- Oct 5, 20266.99%▼ from 8.99%
- Sep 14, 20268.99%first recorded
Rate range: 6.99% - 16.00%; Amount: $500 - $5,000
No additional details provided.
As Low As; Fixed APR range 6.99% - 14.24%
No additional details provided.
APR range: 7.00% - 12.00%; Rate based on personal credit profile; signature loans up to $25,000
As Low As; Signature loan, max $20,000
No additional details provided.
Published APR range: 7.00% - 15.00%. Maximum loan amount is $20,000; lower limits may be applicable; final loan rate determined by overall credit score based upon Equifax Beacon Score
Term: 12 months - 60 months; APR range: 7.00% - 14.00%; Rate, maximum term and loan amount may vary based on credit qualifications; may not be used to refinance an existing SWSFCU loan
As Low As; Group Signature
As Low As; Up to $8,000; Featured Rate
As Low As
Credit Rating: A+; Credit Score: 760+; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Risk Grade: A; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options
Max Loan: $9,500; Credit Tier: A 850-680
As Low As; Loan amount: $500.00 minimum up to $14,999.00; Other Loans
Personal Loan Rate Trends
Weekly average APRs, compiled from 8,500+ banks & credit unions, updated nightly.
Personal Loan rates rose 0.055 points this week to 11.154%, up from 11.098% last week.
Signature Loan rates rose 0.074 points this week to 11.326%, up from 11.252% last week.
Personal Loan Rate Trends
Weekly average APRs. Hover to see exact rates for each day.
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 11.15%, 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 | $233.40/mo | $164.06/mo | $129.60/mo | $109.10/mo |
| $10,000 | $466.79/mo | $328.12/mo | $259.20/mo | $218.19/mo |
| $15,000 | $700.19/mo | $492.17/mo | $388.80/mo | $327.29/mo |
| $25,000 | $1,166.98/mo | $820.29/mo | $648.01/mo | $545.48/mo |
| $35,000 | $1,633.77/mo | $1,148.40/mo | $907.21/mo | $763.67/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) | 11.15% | $388.80 | $3,663 | , |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,487 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,022 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,614 |
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 to 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 to 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.
Personal Loans for Bad Credit
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
Frequently Asked Questions
What are personal loan rates today?
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?
Can I get a personal loan with bad credit?
What is the maximum APR on a bad credit personal loan from a credit union?
Top Personal Loan Rates
- Oak Lawn Municipal Employees Credit Union: 3.99% APR (Signature Loan)
- First National Bank of Omaha: 4.20% APR (Unsecured Rate)
- MembersAlliance Credit Union: 4.25% APR (Loan Consolidation (5 year) (Variable Rate))
- Haverhill Fire Department Credit Union: 4.49% APR (Share Secured/Credit Building Loan)
- Maui Teachers Federal Credit Union: 4.50% APR (Solar Heater Loan)
Personal Loan Rates by State
