Best Personal Loan Rates in Cherry Valley, Illinois - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Cherry Valley, Illinois include: Galesburg Burlington Credit UnionGalesburg Burlington Credit UnionA+5.0 ★Texas Ratio: 0.03% offering New 2026, 2025: 10% down - 36 months Loan at 3.99% APR, Citizens Equity First Credit UnionCitizens Equity First Credit UnionA5.0 ★Texas Ratio: 6.36% offering 2024-2025 Loan at 3.99% APR, MembersAlliance Credit UnionMembersAlliance Credit UnionA+5.0 ★Texas Ratio: 2.61% offering Loan Consolidation (5 year) at 4.00% APR, Redbrand Credit UnionRedbrand Credit UnionA+5.0 ★Texas Ratio: 1.64% offering 2025 or newer Loan at 4.00% APR, and Central Credit Union of IllinoisCentral Credit Union of IllinoisA+5.0 ★Texas Ratio: 3.49% offering 2024, '25 & '26 Models Loan at 4.14% APR. Personal loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Cherry Valley borrowers have access to 34 lenders serving the Illinois area, with personal loan rates as low as 3.99% APR from Galesburg Burlington Credit Union. 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 Cherry Valley, Illinois.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cherry Valley, Illinois. 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: July 11, 2026
Cherry Valley Personal Loan Rates
New Money Only
No additional details available.
No additional details available.
Variable Rate** (as low as)
As Low As; Rate subject to change without notice. Rates shown are for 100% Loan to Value.
No additional details available.
As Low As
No additional details available.
As Low As; Rate subject to change without notice. Rates shown are for 100% Loan to Value.
New Money Only
No additional details available.
New Money Only
As Low As
No additional details available.
As Low As; Rate subject to change without notice. Rates shown are for 100% Loan to Value.
As Low As; Rate subject to change without notice. Rates shown are for 100% Loan to Value.
No additional details available.
New Money Only
No additional details available.
New Money Only
No additional details available.
Variable Rate** (as low as)
As Low As; Rate subject to change without notice. Rates shown are for 100% Loan to Value.
New Money Only
As Low As
New Money Only; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
No additional details available.
As Low As; Rate subject to change without notice. Rates shown are for 100% Loan to Value.
New Money Only; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
As Low As
As Low As
New Money Only; Minimum loan requirement of $20,000
As Low As; New 2026 through 2024
Fixed Rate* (as low as)
No additional details available.
As Low As
As Low As
As Low As
New Money Only; Minimum loan requirement of $20,000
As Low As
Rates range (APR); $750 Origination Fee
New Money Only; Minimum loan requirement of $20,000
No additional details available.
No additional details available.
$50,000; As Low As
As Low As; 11
As Low As
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
No additional details available.
No additional details available.
Rates range (APR); $1000 Origination Fee
No additional details available.
New Money Only; Minimum loan requirement of $50,000; Maximum amount financed on Used 90 month term is 90% of NADA Clean Retail (Must have 25,000 miles or less to qualify)
As Low As; Accurate as of 07/06/2026
Rates range (APR); $1,250 Origination Fee
No additional details available.
New Money Only
As Low As; Accurate as of 07/06/2026
As Low As
Fixed Rate* (as low as)
As Low As; Accurate as of 07/06/2026
New Money Only; Maximum amount financed on 2016 & older models is 90% of NADA Clean Retail
No additional details available.
No additional details available.
As Low As; Rate subject to change without notice. Rates shown are for 100% Loan to Value.
As Low As
Members can borrow up to $3,500. Contact the Loan Department for Details. Rate based on Credit Score. Approval based on Credit Worthiness.
As Low As; Rate subject to change without notice. Rates shown are for 100% Loan to Value.
**
As Low As
$2,000
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As; Rate subject to change without notice. Rates shown are for 100% Loan to Value.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
One time renewal up to six months. ALL RATES SUBJECT TO CREDIT APPROVAL. The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information.
As Low As; Loan Amount: $500 - $25,000
As Low As
As Low As; Rate subject to change without notice. Rates shown are for 100% Loan to Value.
As Low As; Rate subject to change without notice. Rates shown are for 100% Loan to Value.
No additional details available.
No additional details available.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
as low as
New Money Only; Maximum amount financed on 2016 & older models is 90% of NADA Clean Retail
No additional details available.
No additional details available.
No additional details available.
For $20,000, the monthly payment will be approximately $229.00.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As; 7.000%
As Low As; 11
No additional details available.
As Low As
Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA); Non-member $25.00 application fee will apply.
As Low As
As Low As
As Low As
$15,000; As Low As; Amount Financed
As Low As
As Low As
Under $25,000
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
$15,001 - $24,999; As Low As; Amount Financed
New Money Only; Maximum amount financed on 2016 & older models is 90% of NADA Clean Retail
No additional details available.
Requires 10% down
Over $25,000
As Low As
No additional details available.
No additional details available.
No additional details available.
Intro rate expires: 6 billing cycles; Regular APR: 11.95%
Intro rate expires: 6 billing cycles; Regular APR: 7.95%
Intro rate expires: 6 billing cycles; Regular APR: 9.95%
Loan Amount: $500+
As Low As; 11
No additional details available.
No additional details available.
As Low As; New Vehicle Loan
No additional details available.
Members can apply for personal loans of up to $25,000
Cherry Valley Personal Loan Rates
No additional details available.
No additional details available.
**
One time renewal up to six months. ALL RATES SUBJECT TO CREDIT APPROVAL. The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information.
As Low As; Loan Amount: $500 - $25,000
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Loan Amount: $500+
No additional details available.
Members can apply for personal loans of up to $25,000
Cherry Valley Debt Consolidation Loan Rates
As Low As
Cherry Valley Signature Loan Rates
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Cherry Valley, IL Personal Loan Rate Trends
Compare local Cherry Valley, IL 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.
Illinois personal loan rates fell 0.718 points over the past 7 days to 9.805% APR.
Illinois signature loan rates rose 0.756 points over the past 7 days to 13.577% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cherry Valley, Illinois 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 Cherry Valley, Illinois 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 Cherry Valley, Illinois. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in IL.
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.
Frequently Asked Questions
What credit score do I need for a personal loan in Illinois?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Illinois?
Are credit unions or banks better for personal loans in Cherry Valley, Illinois?
What are the best personal loan rates in Cherry Valley, Illinois?
- Galesburg Burlington Credit Union: 3.99% (New 2026, 2025: 10% down - 36 months Loan)
- Citizens Equity First Credit Union: 3.99% (2024-2025 Loan)
- MembersAlliance Credit Union: 4.00% (Loan Consolidation (5 year))
- Redbrand Credit Union: 4.00% (2025 or newer Loan)
- Central Credit Union of Illinois: 4.14% (2024, '25 & '26 Models Loan)
Cherry Valley, Illinois Rates & Resources
Personal Loan Calculators
