Best Personal Loan Rates in Wilmington, Delaware (DE) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Wilmington, Delaware include: Franklin Mint Federal Credit UnionFranklin Mint Federal Credit Union2000 Pennsylvania Ave Unit 101, Wilmington, DE, 19806 2457A5.0 ★Texas Ratio: 7.37% offering Personal Loan at 4.99% APR, Community Powered Federal Credit UnionCommunity Powered Federal Credit Union1815 Newport Gap Pike, Wilmington, DE, 19808A+5.0 ★Texas Ratio: 4.20% offering Credit Builder Loan at 7.00% APR, Priority Plus Federal Credit UnionPriority Plus Federal Credit Union6 LYNAM ST, WILMINGTON, DE, 19804A+5.0 ★Texas Ratio: 2.58% offering Holiday Loan†at 7.00% APR, Fulton BankFulton Bank800 Foulk Rd, Wilmington, DE, 19803A+5.0 ★Texas Ratio: 4.98% offering Unsecured Optionline Tier 1 at 8.00% APR, and Stepping Stones Community Federal Credit UnionStepping Stones Community Federal Credit Union603 N Church St, Wilmington, DE, 19801A+5.0 ★Texas Ratio: 4.98% offering Credit Builder Loan at 8.00% APR. Personal loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Wilmington has 8 local institutions in our database, with personal loan rates as low as 4.99% APR from Franklin Mint Federal Credit Union at 2000 Pennsylvania Ave Unit 101, Wilmington, DE, 19806 2457. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
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 in Wilmington, Delaware.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Wilmington, Delaware. 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: May 10, 2026
Intro rate expires: 6 months; Regular APR: 11.65%
As Low As
As Low As; APR = Annual Percentage Rate based on creditworthiness.; Holiday Loans available October 23 through January 31 each year.
As Low As; To qualify for reduced rate, Automatic Payment must be scheduled from a Priority Plus FCU Account.
As Low As; To qualify for reduced rate, Automatic Payment must be scheduled from a Priority Plus FCU Account.
No additional details available.
As Low As; APR = Annual Percentage Rate based on creditworthiness.
As Low As; APR = Annual Percentage Rate based on creditworthiness.
No additional details available.
No additional details available.
No additional details available.
$10,000 - $50,000
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan to- value ratio. Top tier rates listed are available to highly credit-qualified individuals.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan to- value ratio. Top tier rates listed are available to highly credit-qualified individuals.
$100 - $9,999
$20,000 or more
No additional details available.
No additional details available.
No additional details available.
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan to- value ratio. Top tier rates listed are available to highly credit-qualified individuals.
No additional details available.
No additional details available.
As Low As
$2,000 (MAX); Nov 1st - Nov 30th
$15,000 (MAX)
As Low As; Borrow up to $10,000
No additional details available.
No additional details available.
As Low As; We offer a seasonal Holiday Loan October 1st - January 31st. Borrow $500-$4,000 and you'll have 12 to 24 months to pay off the loan. You can also apply to refinance holiday credit card debt to reduce your rate and save!
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
$2,000 (MAX); Nov 1st - Nov 30th
No additional details available.
$15,000 (MAX)
No additional details available.
Minimum Loan Amounts - $200.00; Maximum Loan Amount -$2,000.00; Maximum Repayment Term - 365 days/12 months; Application Fee - $20.00; Payment Protection- Not available; Membership requirement - 12 months
Minimum Loan Amount - $200.00; Maximum Loan Amount - $1,000.00; Maximum Repayment Term - 180 days/6 months; Application Fee- $20.00; Payment Protection- Not available; Membership requirement - 6 months
Intro rate expires: 6 months; Regular APR: 11.65%
No additional details available.
No additional details available.
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan to- value ratio. Top tier rates listed are available to highly credit-qualified individuals.
As Low As
$10,000 - $50,000
No additional details available.
No additional details available.
$100 - $9,999
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan to- value ratio. Top tier rates listed are available to highly credit-qualified individuals.
No additional details available.
No additional details available.
$20,000 or more
No additional details available.
No additional details available.
No additional details available.
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan to- value ratio. Top tier rates listed are available to highly credit-qualified individuals.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; To qualify for reduced rate, Automatic Payment must be scheduled from a Priority Plus FCU Account.
As Low As; APR = Annual Percentage Rate based on creditworthiness.
No additional details available.
$15,000 (MAX)
As Low As
No additional details available.
No additional details available.
$15,000 (MAX)
Wilmington, DE Personal Loan Rate Trends
Compare local Wilmington, DE personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Delaware personal loan rates fell 0.150 points over the past 7 days to 11.128% APR.
Delaware signature loan rates currently average 11.699% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Delaware?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Delaware?
Are credit unions or banks better for personal loans in Wilmington, Delaware?
What are the best personal loan rates in Wilmington, Delaware?
- Franklin Mint Federal Credit Union: 4.99% (Personal Loan)
- Community Powered Federal Credit Union: 7.00% (Credit Builder Loan)
- Priority Plus Federal Credit Union: 7.00% (Holiday Loan†)
- Fulton Bank: 8.00% (Unsecured Optionline Tier 1)
- Stepping Stones Community Federal Credit Union: 8.00% (Credit Builder Loan)
Personal Loan Calculators
