Best Personal Loan Rates in Oswego, Illinois - July 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 Oswego, Illinois include: Earthmover Credit UnionEarthmover Credit Union2195 Baseline Rd, Oswego, IL, 60543 6006A+5.0 ★Texas Ratio: 2.39% offering 5 Year Term Loan at 5.38% APR, Fox Valley Credit UnionFox Valley Credit Union1 W Merchants Dr, Oswego, IL, 60543A+5.0 ★Texas Ratio: 4.59% offering Signature Loan at 9.99% APR, 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 2026 AND NEWER Loan at 3.99% APR, and Oak Lawn Municipal Employees Credit UnionOak Lawn Municipal Employees Credit UnionA+5.0 ★Texas Ratio: 2.50% offering SIGNATURE LOANS 18 MONTHS at 3.99% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Oswego has 2 local institutions in our database, with personal loan rates as low as 5.38% APR from Earthmover Credit Union at 2195 Baseline Rd, Oswego, IL, 60543 6006. 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 Oswego, Illinois.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Oswego, 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: June 29, 2026
Oswego Personal Loan Rates
Rates range (APR); $750 Origination Fee
Rates range (APR); $1000 Origination Fee
Rates range (APR); $1,250 Origination Fee
As Low As; rates vary by term and creditworthiness
As Low As; APR*
New Money Only
No additional details available.
No additional details available.
up to $3000.00
up to $3000.00
No additional details available.
No additional details available.
As low as; *
No additional details available.
Variable Rate** (as low as)
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No additional details available.
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New Money Only
No additional details available.
No additional details available.
New Money Only
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As low as; *
No additional details available.
No additional details available.
New Money Only
As Low As
No additional details available.
New Money Only
No additional details available.
Variable Rate** (as low as)
No additional details available.
As low as; *
No additional details available.
No additional details available.
As Low As
As Low As
New Money Only
As Low As
No additional details available.
No additional details available.
No additional details available.
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As Low As
No additional details available.
New Money Only; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
No additional details available.
No additional details available.
As low as; *
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New Money Only; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
As Low As
New Money Only; Minimum loan requirement of $20,000
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; New 2026 through 2024
Fixed Rate* (as low as)
No additional details available.
No additional details available.
As Low As
New Money Only; Minimum loan requirement of $20,000
As Low As
No additional details available.
As Low As
No additional details available.
New Money Only; Minimum loan requirement of $20,000
No additional details available.
No additional details available.
No additional details available.
$50,000; As Low As
No additional details available.
As Low As
No additional details available.
$10,000.00 for 4 Years
No additional details available.
All rates are based on 725 credit score.
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)
No additional details available.
New Money Only
As Low As
As Low As
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No additional details available.
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Fixed Rate* (as low as)
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As Low As
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$3001.00 to $6000.00
$3001.00 to $6000.00
$3001.00 to $6000.00
No additional details available.
New Money Only; Maximum amount financed on 2016 & older models is 90% of NADA Clean Retail
Members can borrow up to $3,000.00, with a $100.00 application fee.
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Members can borrow up to $3,500. Contact the Loan Department for Details. Rate based on Credit Score. Approval based on Credit Worthiness.
No additional details available.
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As low as; *
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$2,000
No additional details available.
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Model Year: 2019 - 2021
No additional details available.
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APR* as low as
No additional details available.
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Model Year: 2018 - 2020
No additional details available.
APR* as low as
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As Low As; Loan Amount: $500 - $25,000
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.
All rates are based on 725 credit score; 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
Oswego Personal Loan Rates
As Low As; APR*
No additional details available.
No additional details available.
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As Low As; Loan Amount: $500 - $25,000
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.
Oswego Debt Consolidation Loan Rates
Credit Union rates range from ONLY 7.25% to 13.25%; Maximum loan amount $15,000
Credit Union rates range from ONLY 7.25% to 13.25%; Maximum loan amount $15,000
As Low As
Oswego Signature Loan Rates
As Low As; rates vary by term and creditworthiness
up to $3000.00
up to $3000.00
No additional details available.
$3001.00 to $6000.00
$3001.00 to $6000.00
$3001.00 to $6000.00
Oswego, IL Personal Loan Rate Trends
Compare local Oswego, 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 0.503 points over the past 7 days to 10.523% APR.
Illinois signature loan rates rose 1.518 points over the past 7 days to 12.821% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oswego, 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 Oswego, 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 Oswego, 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 Oswego, Illinois?
What are the best personal loan rates in Oswego, Illinois?
- Earthmover Credit Union: 5.38% (5 Year Term Loan)
- Fox Valley Credit Union: 9.99% (Signature Loan)
- Galesburg Burlington Credit Union: 3.99% (New 2026, 2025: 10% down - 36 months Loan)
- Citizens Equity First Credit Union: 3.99% (2026 AND NEWER Loan)
- Oak Lawn Municipal Employees Credit Union: 3.99% (SIGNATURE LOANS 18 MONTHS)
Personal Loan Calculators
