District Of Columbia Best Personal Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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District Of Columbia personal loan rates range from 6.39% to 17.99% APR, verified by MonitorBankRates as of October 23, 2026. Current personal loan options available to borrowers in District Of Columbia include: ADVANTAGE FINANCIALADVANTAGE FINANCIAL810 VERMONT AVE NW, WASHINGTON, DC, 20420A5.0 ★Texas Ratio: 7.87%Rate verified Oct 19, 2026 offering Personal Loans at 6.39% APR, Congressional Federal Credit UnionCongressional Federal Credit UnionRoom B 203, Washington, DC, 20515A5.0 ★Texas Ratio: 8.63%Rate verified Oct 23, 2026 offering Personal Loan at 6.69% APR, InFirst Federal Credit UnionInFirst Federal Credit Union1900 E St NW, Washington, DC, 20415A+5.0 ★Texas Ratio: 3.58%Rate verified Oct 23, 2026 offering Personal Loan at 6.99% APR, Signal Financial Federal Credit UnionSignal Financial Federal Credit Union1101 New York Ave NW, Washington, DC, 20005 4269A+5.0 ★Texas Ratio: 4.25%Rate verified Oct 23, 2026 offering Signature Loan at 6.99% APR, and Andrews Federal Credit UnionAndrews Federal Credit Union1556 Alabama Ave SE, Washington, DC, 20032A5.0 ★Texas Ratio: 10.28%Rate verified Oct 20, 2026 offering Unsecured, Bill Consolidation, Signature Personal Loan at 7.49% APR. Personal loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across District Of Columbia side-by-side. District Of Columbia personal loan rates currently start as low as 6.39% APR from ADVANTAGE FINANCIAL at 810 VERMONT AVE NW, WASHINGTON, DC, 20420. Rates are continually updated, so 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 District Of Columbia.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in District Of Columbia. 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 23, 2026
District Of Columbia Personal Loan Rates
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; Minimum of $30,000 loan
As Low As
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness
- Oct 19, 20267.39%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
Lowest Rate APR; Minimum loan amount $1,000.00; Requires minimum monthly GSA FCU direct deposit of $150.00, otherwise .25% added
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
As Low As; w/ Auto Pay Discount: as low as 7.39% APR; Rates based on applicant's credit worthiness
As Low As; Fixed APR
As Low As; Annual Percentage Rate as low as
No additional details available.
As Low As; No early-payment penalty; No collateral required; No hidden fees; Global Rewards discount of up to 0.50% for Plus or Optimum Level members
As Low As; Loan Amount: $500+; Rate effective as of October 1, 2026
As Low As; Loan Amount: Up to $40,000.00; Maximum APR: 18.00%; Includes discounts for automatic payment and Member Loyalty Program, total discounts cannot exceed 1.50%
As Low As; Amount Financed: up to $20,000
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
No additional details available.
No additional details available.
As Low As; Loan Amount: $2,500+; Rate effective as of October 1, 2026
Credit Range: Excellent (No past credit issues)
As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness
- Oct 19, 20268.39%▼ from 8.49%
- Sep 14, 20268.49%first recorded
As Low As; Loan Amount: $3,000+; Rate effective as of October 1, 2026
As Low As; APR includes .25% automatic payment and direct deposit rate discount; minimum $200 monthly direct deposit required; rate based on evaluation of applicant's credit
As Low As; $50,000 maximum loan amount
No additional details available.
As Low As; Starting Rate; Eligibility: Georgetown students, alumni and direct family members entering or currently in their 3rd year at any law school with job offer; Amount: $500 to $25,000; Defer payment up to 12 months
As Low As; w/ Auto Pay Discount: as low as 8.39% APR; Rates based on applicant's credit worthiness
Variable rate; Effective Date: 10-01-2026
- Oct 13, 20268.50%▲ from 8.25%
- Sep 14, 20268.25%first recorded
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Fixed APR
As Low As; Annual Percentage Rate as low as
$35,000; As Low As; Maximum loan $35,000
$35,000; As Low As; Maximum loan $35,000
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
Amount: $500 - $50,000; Stated APR is the lowest rate available for qualified members; Actual rate may be higher based on income, credit worthiness, and extended loan terms; APR reflects 0.25% discount for automatic payment and qualified direct deposit
Amount: $500 - $50,000; Stated APR is lowest rate for qualified members; includes 0.25% discount for automatic payment and qualified direct deposit; effective September 23, 2026
As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible
As Low As; Maximum Term: up to 12 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27
As Low As; No collateral; Maximum loan amount of $15,000; Repayment based on recurrence of expenses; Counts towards CU*Perks eligibility
As Low As; Rewards; Variable Rate
No additional details available.
$35,000; As Low As; Maximum loan $35,000
$35,000; As Low As; Maximum loan $35,000
Variable rate; Effective Date: 10-01-2026
- Oct 13, 20269.00%▲ from 6.50%
- Sep 14, 20266.50%first recorded
Credit Range: Excellent (No past credit issues)
As Low As; Loan Amount: $500 min; APR is based on evaluation of applicant's credit
up to $50,000; Published APR range: 9.25% - 17.90%. Rate discounts may be available with LCFCU Visa Credit Card (.25% APR discount), automatic transfers/allotment (.25% APR discount), or free checking with Net Pay (.50% APR discount); maximum discount .50% APR. Rates based on creditworthiness.
As Low As; Monthly payment example: $211.26 for $10,000 at 9.75% APR for 60 months (Oct 1, 2026)
- Oct 4, 20269.25%▲ from 9.00%
- Sep 25, 20269.00%first recorded
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness
- Oct 19, 20269.39%▼ from 9.49%
- Sep 14, 20269.49%first recorded
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $45.93; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
As Low As; APR includes .25% automatic payment and direct deposit rate discount; minimum $200 monthly direct deposit required; rate based on evaluation of applicant's credit
As Low As; $50,000 maximum loan amount
As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible
As Low As; Maximum Term: up to 24 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27
As Low As; w/ Auto Pay Discount: as low as 9.39% APR; Rates based on applicant's credit worthiness
As Low As
- Oct 4, 20269.50%▲ from 9.25%
- Sep 25, 20269.25%first recorded
Variable rate; Effective Date: 10-01-2026
- Oct 13, 20269.50%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Effective 10-1-2026; Est. Monthly Payment per $1000: $45.93/24 Mos.; Advertised APR includes 0.25% APR discount for automatic payments and 0.25% for payment protection
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $32.16; *APR = Annual Percentage Rate; **If eligible for all possible discounts
Credit Range: Excellent (No past credit issues)
As Low As; Fixed APR
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As
- Oct 4, 20269.75%▲ from 9.50%
- Sep 25, 20269.50%first recorded
As Low As; Annual Percentage Rate as low as
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $25.37; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As
Maximum Loan Amount: $20,000
Maximum Loan Amount: $20,000
As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible
As Low As; Maximum Term: up to 36 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27
As Low As; Personal Loans table, Loan Type: Signature
As Low As; Final APR determined after application and credit profile review
As Low As; Up to $10K
No additional details available.
Variable rate; Effective Date: 10-01-2026
- Oct 13, 202610.00%▲ from 7.00%
- Sep 14, 20267.00%first recorded
APR range: 10 - 18%; Loan Amount: Up to $35,000
- Sep 18, 202610.00%▲ from 9.75%
- Sep 14, 20269.75%first recorded
Effective 10-1-2026; Est. Monthly Payment per $1000: $32.28/36 Mos.; Advertised APR includes 0.25% APR discount for automatic payments and 0.25% for payment protection
As Low As
As Low As; Personal loan rates as low as 10.24% APR, which includes a 0.25% discount for enrolling in automatic payments. Disclosure states APR may be as low as 10.24% or as high as 18.49%. Loan amounts $2,000 to $30,000; up to $50,000 for eligible existing Citi customers.
- Oct 14, 202610.24%▲ from 9.99%
- Sep 18, 20269.99%first recorded
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $21.38; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness
- Oct 19, 202610.39%▼ from 10.49%
- Sep 14, 202610.49%first recorded
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $18.79; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As
As Low As; $50,000 maximum loan amount
As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible
As Low As; Maximum Term: up to 48 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27
As Low As; w/ Auto Pay Discount: as low as 10.39% APR; Rates based on applicant's credit worthiness
As Low As; Final APR determined after application and credit profile review
Variable rate; Effective Date: 10-01-2026
- Oct 13, 202610.50%▲ from 7.25%
- Sep 14, 20267.25%first recorded
Effective 10-1-2026; Est. Monthly Payment per $1000: $25.62/48 Mos.; Advertised APR includes 0.25% APR discount for automatic payments and 0.25% for payment protection
Credit Range: Good (No recent credit issues)
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Fixed APR
No additional details available.
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As
Maximum Loan Amount: $5,000
Maximum Loan Amount: $20,000; row label blank in source, listed under Signature
As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible
As Low As; Maximum Term: up to 60 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27
As Low As; Final APR determined after application and credit profile review
No additional details available.
Effective 10-1-2026; Est. Monthly Payment per $1000: $21.76/60 Mos.; Advertised APR includes 0.25% APR discount for automatic payments and 0.25% for payment protection
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $17.00; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As; Loan Amount: $2,000 min; APR is based on evaluation of applicant's credit
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As
As Low As; $50,000 maximum loan amount
No additional details available.
Credit Range: Good (No recent credit issues)
As Low As; Fixed APR
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000; terms greater than 72 months require minimum $10,000
Credit Range: Ok (Had some issues in the past)
As Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
As Low As; $50,000 maximum loan amount; $20,000 minimum loan amount for 61-72 month term
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As; Final APR determined after application and credit profile review
Credit Range: Good (No recent credit issues)
Credit Range: Excellent (No past credit issues)
As Low As; Up to $10K
Credit Range: Ok (Had some issues in the past)
As Low As
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; $25,000 minimum amount financed for 61 to 84 months; $30,000 minimum for amount financed over 84 months; Terms greater than 60 months available for home improvement loans; Personal Loan rates range from 8.74% to 18.00% APR
Credit Range: Ok (Had some issues in the past)
Variable periodic rate subject to change; Loan Amounts: Minimum $1,000, Maximum $50,000; Minimum Monthly Payment (when a balance exists): Higher of $10 or 2.25% of the statement balance
As Low As; Final APR determined after application and credit profile review
As Low As; Up to $10K
Credit Range: Good (No recent credit issues)
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
Local Staff Only; Country Office Loans; Effective Date: 10-01-2026
Credit Range: Ok (Had some issues in the past)
Credit Range: Needs some improvement
Loan Amount: Up to $5,000
- Sep 18, 202617.00%▲ from 16.75%
- Sep 14, 202616.75%first recorded
Credit Range: Needs some improvement
Credit Range: Needs some improvement
Credit Range: Needs some improvement
District Of Columbia Personal Loan Rates
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; Minimum of $30,000 loan
As Low As
As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness
- Oct 19, 20267.39%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As; w/ Auto Pay Discount: as low as 7.39% APR; Rates based on applicant's credit worthiness
As Low As; Fixed APR
As Low As; No early-payment penalty; No collateral required; No hidden fees; Global Rewards discount of up to 0.50% for Plus or Optimum Level members
As Low As; Loan Amount: $500+; Rate effective as of October 1, 2026
As Low As; Loan Amount: $2,500+; Rate effective as of October 1, 2026
Credit Range: Excellent (No past credit issues)
As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness
- Oct 19, 20268.39%▼ from 8.49%
- Sep 14, 20268.49%first recorded
As Low As; Loan Amount: $3,000+; Rate effective as of October 1, 2026
As Low As; APR includes .25% automatic payment and direct deposit rate discount; minimum $200 monthly direct deposit required; rate based on evaluation of applicant's credit
As Low As; $50,000 maximum loan amount
As Low As; Starting Rate; Eligibility: Georgetown students, alumni and direct family members entering or currently in their 3rd year at any law school with job offer; Amount: $500 to $25,000; Defer payment up to 12 months
As Low As; w/ Auto Pay Discount: as low as 8.39% APR; Rates based on applicant's credit worthiness
Variable rate; Effective Date: 10-01-2026
- Oct 13, 20268.50%▲ from 8.25%
- Sep 14, 20268.25%first recorded
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Fixed APR
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
Amount: $500 - $50,000; Stated APR is the lowest rate available for qualified members; Actual rate may be higher based on income, credit worthiness, and extended loan terms; APR reflects 0.25% discount for automatic payment and qualified direct deposit
As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible
As Low As; Maximum Term: up to 12 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27
As Low As; No collateral; Maximum loan amount of $15,000; Repayment based on recurrence of expenses; Counts towards CU*Perks eligibility
As Low As; Rewards; Variable Rate
Variable rate; Effective Date: 10-01-2026
- Oct 13, 20269.00%▲ from 6.50%
- Sep 14, 20266.50%first recorded
Credit Range: Excellent (No past credit issues)
up to $50,000; Published APR range: 9.25% - 17.90%. Rate discounts may be available with LCFCU Visa Credit Card (.25% APR discount), automatic transfers/allotment (.25% APR discount), or free checking with Net Pay (.50% APR discount); maximum discount .50% APR. Rates based on creditworthiness.
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness
- Oct 19, 20269.39%▼ from 9.49%
- Sep 14, 20269.49%first recorded
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $45.93; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
As Low As; APR includes .25% automatic payment and direct deposit rate discount; minimum $200 monthly direct deposit required; rate based on evaluation of applicant's credit
As Low As; $50,000 maximum loan amount
As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible
As Low As; Maximum Term: up to 24 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27
As Low As; w/ Auto Pay Discount: as low as 9.39% APR; Rates based on applicant's credit worthiness
Variable rate; Effective Date: 10-01-2026
- Oct 13, 20269.50%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $32.16; *APR = Annual Percentage Rate; **If eligible for all possible discounts
Credit Range: Excellent (No past credit issues)
As Low As; Fixed APR
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $25.37; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As
As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible
As Low As; Maximum Term: up to 36 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27
As Low As; Personal Loans table, Loan Type: Signature
As Low As; Final APR determined after application and credit profile review
Variable rate; Effective Date: 10-01-2026
- Oct 13, 202610.00%▲ from 7.00%
- Sep 14, 20267.00%first recorded
As Low As
As Low As; Personal loan rates as low as 10.24% APR, which includes a 0.25% discount for enrolling in automatic payments. Disclosure states APR may be as low as 10.24% or as high as 18.49%. Loan amounts $2,000 to $30,000; up to $50,000 for eligible existing Citi customers.
- Oct 14, 202610.24%▲ from 9.99%
- Sep 18, 20269.99%first recorded
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $21.38; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness
- Oct 19, 202610.39%▼ from 10.49%
- Sep 14, 202610.49%first recorded
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $18.79; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As
As Low As; $50,000 maximum loan amount
As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible
As Low As; Maximum Term: up to 48 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27
As Low As; w/ Auto Pay Discount: as low as 10.39% APR; Rates based on applicant's credit worthiness
As Low As; Final APR determined after application and credit profile review
Variable rate; Effective Date: 10-01-2026
- Oct 13, 202610.50%▲ from 7.25%
- Sep 14, 20267.25%first recorded
Credit Range: Good (No recent credit issues)
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Fixed APR
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As
As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible
As Low As; Maximum Term: up to 60 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27
As Low As; Final APR determined after application and credit profile review
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $17.00; *APR = Annual Percentage Rate; **If eligible for all possible discounts
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As
As Low As; $50,000 maximum loan amount
Credit Range: Good (No recent credit issues)
As Low As; Fixed APR
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000; terms greater than 72 months require minimum $10,000
Credit Range: Ok (Had some issues in the past)
As Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
As Low As; $50,000 maximum loan amount; $20,000 minimum loan amount for 61-72 month term
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As; Final APR determined after application and credit profile review
Credit Range: Good (No recent credit issues)
Credit Range: Excellent (No past credit issues)
Credit Range: Ok (Had some issues in the past)
As Low As
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; $25,000 minimum amount financed for 61 to 84 months; $30,000 minimum for amount financed over 84 months; Terms greater than 60 months available for home improvement loans; Personal Loan rates range from 8.74% to 18.00% APR
Credit Range: Ok (Had some issues in the past)
As Low As; Final APR determined after application and credit profile review
Credit Range: Good (No recent credit issues)
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
Local Staff Only; Country Office Loans; Effective Date: 10-01-2026
Credit Range: Ok (Had some issues in the past)
Credit Range: Needs some improvement
Loan Amount: Up to $5,000
- Sep 18, 202617.00%▲ from 16.75%
- Sep 14, 202616.75%first recorded
Credit Range: Needs some improvement
Credit Range: Needs some improvement
Credit Range: Needs some improvement
District Of Columbia Debt Consolidation Loan Rates
$35,000; As Low As; Maximum loan $35,000
$35,000; As Low As; Maximum loan $35,000
No additional details available.
District Of Columbia Signature Loan Rates
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
Lowest Rate APR; Minimum loan amount $1,000.00; Requires minimum monthly GSA FCU direct deposit of $150.00, otherwise .25% added
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
As Low As; Annual Percentage Rate as low as
No additional details available.
As Low As; Loan Amount: Up to $40,000.00; Maximum APR: 18.00%; Includes discounts for automatic payment and Member Loyalty Program, total discounts cannot exceed 1.50%
As Low As; Amount Financed: up to $20,000
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
No additional details available.
No additional details available.
No additional details available.
As Low As; Annual Percentage Rate as low as
$35,000; As Low As; Maximum loan $35,000
Amount: $500 - $50,000; Stated APR is the lowest rate available for qualified members; Actual rate may be higher based on income, credit worthiness, and extended loan terms; APR reflects 0.25% discount for automatic payment and qualified direct deposit
Amount: $500 - $50,000; Stated APR is lowest rate for qualified members; includes 0.25% discount for automatic payment and qualified direct deposit; effective September 23, 2026
As Low As; Rewards; Variable Rate
No additional details available.
$35,000; As Low As; Maximum loan $35,000
As Low As; Loan Amount: $500 min; APR is based on evaluation of applicant's credit
As Low As; Monthly payment example: $211.26 for $10,000 at 9.75% APR for 60 months (Oct 1, 2026)
- Oct 4, 20269.25%▲ from 9.00%
- Sep 25, 20269.00%first recorded
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As
- Oct 4, 20269.50%▲ from 9.25%
- Sep 25, 20269.25%first recorded
Effective 10-1-2026; Est. Monthly Payment per $1000: $45.93/24 Mos.; Advertised APR includes 0.25% APR discount for automatic payments and 0.25% for payment protection
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As
- Oct 4, 20269.75%▲ from 9.50%
- Sep 25, 20269.50%first recorded
As Low As; Annual Percentage Rate as low as
Maximum Loan Amount: $20,000
As Low As; Personal Loans table, Loan Type: Signature
As Low As; Up to $10K
No additional details available.
APR range: 10 - 18%; Loan Amount: Up to $35,000
- Sep 18, 202610.00%▲ from 9.75%
- Sep 14, 20269.75%first recorded
Effective 10-1-2026; Est. Monthly Payment per $1000: $32.28/36 Mos.; Advertised APR includes 0.25% APR discount for automatic payments and 0.25% for payment protection
Effective 10-1-2026; Est. Monthly Payment per $1000: $25.62/48 Mos.; Advertised APR includes 0.25% APR discount for automatic payments and 0.25% for payment protection
No additional details available.
Maximum Loan Amount: $20,000; row label blank in source, listed under Signature
No additional details available.
Effective 10-1-2026; Est. Monthly Payment per $1000: $21.76/60 Mos.; Advertised APR includes 0.25% APR discount for automatic payments and 0.25% for payment protection
As Low As; Loan Amount: $2,000 min; APR is based on evaluation of applicant's credit
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000; terms greater than 72 months require minimum $10,000
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As; Up to $10K
As Low As; Up to $10K
District Of Columbia Personal Loan Rate Trends
Compare local District Of Columbia 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.
District Of Columbia personal loan rates fell 0.063 points over the past 7 days to 9.992% APR.
District Of Columbia signature loan rates rose 0.024 points over the past 7 days to 9.534% APR.
District Of Columbia 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 signature loan averages from the current District Of Columbia 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, and 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 the current DC average personal loan APR of 9.99%, across the terms lenders serving District Of Columbia 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 | $230.71/mo | $161.32/mo | $126.79/mo | $106.22/mo |
| $10,000 | $461.41/mo | $322.63/mo | $253.59/mo | $212.43/mo |
| $15,000 | $692.12/mo | $483.95/mo | $380.38/mo | $318.65/mo |
| $25,000 | $1,153.53/mo | $806.59/mo | $633.97/mo | $531.08/mo |
| $35,000 | $1,614.94/mo | $1,129.22/mo | $887.56/mo | $743.51/mo |
Principal and interest only. 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 in District Of Columbia
Debt consolidation is the 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 DC personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (DC average) | 9.99% | $380.38 | $3,258 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,892 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,426 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $6,018 |
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 raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in District Of Columbia
Prequalify With a Soft Credit Check
Most lenders serving District Of Columbia will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can 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 Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our District Of Columbia data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
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 borrowed 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.
- Buying a vehicle? A secured District Of Columbia auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a District Of Columbia high-yield savings account costs nothing and earns interest instead of paying it
District Of Columbia Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $380 monthly loan payment is roughly 5.6% of the median individual income in District Of Columbia. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in District Of Columbia.
| 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 and 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 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 the current DC average, or click any 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 District Of Columbia 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 for District Of Columbia 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 institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in District Of Columbia. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in DC.
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, and loan amount.
Personal Loans for Bad Credit in District Of Columbia
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 credit score do I need for a personal loan in District Of Columbia?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in District Of Columbia?
Are credit unions or banks better for personal loans in District Of Columbia?
What is an origination fee on a personal loan?
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 in District Of Columbia?
What is the maximum APR on a bad credit personal loan from a credit union?
What are the best personal loan rates in District Of Columbia?
- ADVANTAGE FINANCIAL: 6.39% (Personal Loans)
- Congressional Federal Credit Union: 6.69% (Personal Loan)
- InFirst Federal Credit Union: 6.99% (Personal Loan)
- Signal Financial Federal Credit Union: 6.99% (Signature Loan)
- Andrews Federal Credit Union: 7.49% (Unsecured, Bill Consolidation, Signature Personal Loan)
