Sauget, Illinois Best Personal Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Sauget, Illinois personal loan rates from lenders serving Illinois range from 3.99% to 17.99% APR, verified by MonitorBankRates as of October 12, 2026. Current personal loan options available to borrowers in Sauget, Illinois include: Oak Lawn Municipal Employees Credit UnionOak Lawn Municipal Employees Credit UnionA+5.0 ★Texas Ratio: 0.00% offering SIGNATURE LOANS at 3.99% APR, Healthcare Associates Credit UnionHealthcare Associates Credit UnionA+5.0 ★Texas Ratio: 5.30% offering Share Secured Loan at 4.00% APR, MembersAlliance Credit UnionMembersAlliance Credit UnionA+5.0 ★Texas Ratio: 3.08% offering Loan Consolidation at 4.25% APR, Evergreen Park Schools Federal Credit UnionEvergreen Park Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering Share Secured Loan at 4.50% APR, and Metro Federal Credit Union Arlington Heights, ILMetro Federal Credit Union Arlington Heights, ILA+5.0 ★Texas Ratio: 4.23% offering Holiday & Debt Consolidation Loan at 5.99% APR. Personal loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Sauget borrowers have access to 65 lenders serving the Illinois area, with personal loan rates as low as 3.99% APR from Oak Lawn Municipal Employees Credit Union. Use the tabs below to compare all available personal loan types. 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 Sauget, Illinois.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Sauget, 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: October 12, 2026
Sauget Personal Loan Rates
No additional details available.
No additional details available.
As Low As
- Sep 22, 20264.25%▼ from 5.25%
- Sep 14, 20265.25%first recorded
As Low As; Variable Rate**
Shares must fully cover outstanding loan balance
As Low As
- Sep 22, 20265.00%▼ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Variable Rate**
As Low As
As Low As; Fixed Rate*
- Oct 10, 20265.25%▲ from 4.25%
- Sep 22, 20264.25%first recorded
As Low As
As Low As; Fixed Rate*
- Oct 10, 20265.75%▲ from 5.00%
- Sep 22, 20265.00%first recorded
Loan amount $1,000 to $35,000
Based on credit worthiness
No additional details available.
No additional details available.
No additional details available.
Loan amount $1,000 to $35,000
Based on credit worthiness
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
Published APR range: 7.00%-16.00%.
Credit Union rates range from ONLY 7.25% to 13.25%. Loan amount may be as much as $15,000.
As Low As
Loan amount $1,000 to $35,000
As Low As; Rates include all possible discounts. Contact us to determine which discounts apply to you.
Credit Score: A; Maximum: $15,000.00; PDF shows plain rate, APR disclosed at advance
No additional details available.
No additional details available.
Please note rates quoted are the lowest rate available. The rate you will receive on your loan will be determined by your credit score and may be higher. All rates are subject to change without notice.
No additional details available.
As Low As; Loan Amount: $500+
No additional details available.
Loan amount $1,000 to $35,000
Loan amount $1,000 to $25,000
For up to $25,000.
Based on credit worthiness
No additional details available.
As Low As
No additional details available.
All rates are based on 725 credit score; Unsecured rates range from 8.00% to 18.00%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Term: 6 months to 48 months; Published APR range: 8.009% - 16.009%. You can borrow between $1,000 - $10,000 for paying bills, debt consolidation and purchases. Application fee: $20.00. Minimum requirement: Must provide most recent two pay stubs, proof of rent or mortgage, maintain a $50.00 deposit balance and demonstrate the capacity to repay the loan. To apply for a $10,000 loan, your credit score has to be 650 or above.
As Low As; Loan Amount: $2,500+
Loan rates and terms are determined by applicant's creditworthiness and are subject to DCECU credit underwriting guidelines.
As Low As
As Low As; Loan Amount: $3,000+
No additional details available.
No additional details available.
Loan amount $1,000 to $35,000
Term: up to 36 months financing; Starting as low as; $5,000 maximum
Up to $10,000
Credit Score: A; Maximum: $15,000.00; PDF shows plain rate, APR disclosed at advance
from
No additional details available.
No additional details available.
As low as; Loan Amount: Up to $1,000
Published APR range: 8.64%-9.64%. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
APR-Annual Percentage Rate. Rates Subject To Change Without Notice. Rates vary according to credit worthiness and term of loan, subject to change without notice. The featured rate listed assumes an automatic payment method and includes a 0.25% discount.
under $10,000; Credit Grade: B
$2,500; Credit Score: 750 plus
Please note rates quoted are the lowest rate available. The rate you will receive on your loan will be determined by your credit score and may be higher. All rates are subject to change without notice.
No additional details available.
As low as
Based on loan amount and credit qualifications
As Low As; Loan Amount: $5,000+
Loan amount $1,000 to $25,000
Term: Max 60 months repayment, add 1% if term is >36 months; Published APR range: 8.99% - 17.99%.
Based on credit worthiness
No additional details available.
As Low As
Up to $10,000
No additional details available.
Published APR range: 9%-15%.
As Low As
No additional details available.
As low as; Loan Amount: $1,000.01 - $3,000
No additional details available.
under $10,000; Credit Grade: C
$10,000.01-$15,000; Credit Grade: A
Credit Score: B; Maximum: $8000.00; PDF shows plain rate, APR disclosed at advance
As low as; Loan amount up to $48,000
Credit Score: A 700-above
Up to $18,000.00; homepage shows Signature Loans 'from 9.25% APR'
As Low As
As Low As
As Low As Interest Rate %; As Low As APR %
- Oct 1, 20269.38%▲ from 8.88%
- Sep 22, 20268.88%first recorded
No additional details available.
As Low As
No additional details available.
- Oct 1, 20269.49%▲ from 8.99%
- Sep 30, 20268.99%first recorded
As Low As; Loan Amount: $5,000+
Loan amount $1,000 to $25,000
Fixed APR as low as; All loans subject to credit approval. Rates subject to change without notice. Rates and term subject to credit qualification. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
$10,001 to $20,000
under $10,000; Credit Grade: D
$10,000.01-$15,000; Credit Grade: B
Loan Special
- Sep 18, 20269.50%▼ from 10.00%
- Sep 14, 202610.00%first recorded
As Low As; Rate includes discounts2, see details below. Fixed-rate loans as low as 9.50% APR1
As Low As; Click for More Information
No additional details available.
$0-$7499; Published APR range: 9.5%-21.9%. Personal loan amounts not to exceed 2x gross monthly income or $15000
Rates and terms available to qualified borrowers.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As low as; Loan Amount: $3,000.01 - $5,000
No additional details available.
No additional details available.
under $10,000; Credit Grade: B
Branch HCU
- Oct 9, 20269.75%▲ from 9.50%
- Sep 14, 20269.50%first recorded
As low as
No additional details available.
Term: 19 Months to 60 Months; As Low As
Published APR range: 9.90%-17.90%.
As Low As; Maximum of up to $15,000 (dependent on credit score). Terms are negotiable. Rates and limit are dependent upon credit score. Rates are subject to change. $5.00 loan application fee when applying and your most recent pay stub is needed as well.
Sauget Personal Loan Rates
Based on credit worthiness
No additional details available.
Based on credit worthiness
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
No additional details available.
No additional details available.
As Low As; Loan Amount: $500+
For up to $25,000.
Based on credit worthiness
As Low As
As Low As; Loan Amount: $2,500+
Loan rates and terms are determined by applicant's creditworthiness and are subject to DCECU credit underwriting guidelines.
As Low As; Loan Amount: $3,000+
No additional details available.
No additional details available.
No additional details available.
Published APR range: 8.64%-9.64%. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
APR-Annual Percentage Rate. Rates Subject To Change Without Notice. Rates vary according to credit worthiness and term of loan, subject to change without notice. The featured rate listed assumes an automatic payment method and includes a 0.25% discount.
No additional details available.
As low as
Based on loan amount and credit qualifications
As Low As; Loan Amount: $5,000+
Based on credit worthiness
Published APR range: 9%-15%.
No additional details available.
As low as; Loan amount up to $48,000
Credit Score: A 700-above
Up to $18,000.00; homepage shows Signature Loans 'from 9.25% APR'
As Low As
As Low As; Loan Amount: $5,000+
No additional details available.
No additional details available.
As Low As; Click for More Information
No additional details available.
$0-$7499; Published APR range: 9.5%-21.9%. Personal loan amounts not to exceed 2x gross monthly income or $15000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Branch HCU
- Oct 9, 20269.75%▲ from 9.50%
- Sep 14, 20269.50%first recorded
No additional details available.
Term: 19 Months to 60 Months; As Low As
Sauget Debt Consolidation Loan Rates
Loan amount $1,000 to $35,000
Loan amount $1,000 to $35,000
Credit Union rates range from ONLY 7.25% to 13.25%. Loan amount may be as much as $15,000.
Loan amount $1,000 to $35,000
Loan amount $1,000 to $35,000
Loan amount $1,000 to $35,000
As Low As; Rate includes discounts2, see details below. Fixed-rate loans as low as 9.50% APR1
Credit Union rates range from ONLY 7.25% to 13.25%. Loan amount may be as much as $15,000.
- Sep 29, 202613.25%▲ from 7.25%
- Sep 14, 20267.25%first recorded
As Low As
Sauget Signature Loan Rates
No additional details available.
No additional details available.
As Low As
As Low As; Rates include all possible discounts. Contact us to determine which discounts apply to you.
Credit Score: A; Maximum: $15,000.00; PDF shows plain rate, APR disclosed at advance
No additional details available.
Please note rates quoted are the lowest rate available. The rate you will receive on your loan will be determined by your credit score and may be higher. All rates are subject to change without notice.
No additional details available.
Loan amount $1,000 to $25,000
No additional details available.
Term: 6 months to 48 months; Published APR range: 8.009% - 16.009%. You can borrow between $1,000 - $10,000 for paying bills, debt consolidation and purchases. Application fee: $20.00. Minimum requirement: Must provide most recent two pay stubs, proof of rent or mortgage, maintain a $50.00 deposit balance and demonstrate the capacity to repay the loan. To apply for a $10,000 loan, your credit score has to be 650 or above.
As Low As
No additional details available.
Term: up to 36 months financing; Starting as low as; $5,000 maximum
Up to $10,000
Credit Score: A; Maximum: $15,000.00; PDF shows plain rate, APR disclosed at advance
from
As low as; Loan Amount: Up to $1,000
$2,500; Credit Score: 750 plus
Please note rates quoted are the lowest rate available. The rate you will receive on your loan will be determined by your credit score and may be higher. All rates are subject to change without notice.
Loan amount $1,000 to $25,000
As Low As
Up to $10,000
No additional details available.
As low as; Loan Amount: $1,000.01 - $3,000
No additional details available.
Credit Score: B; Maximum: $8000.00; PDF shows plain rate, APR disclosed at advance
As Low As
As Low As Interest Rate %; As Low As APR %
- Oct 1, 20269.38%▲ from 8.88%
- Sep 22, 20268.88%first recorded
No additional details available.
Loan amount $1,000 to $25,000
Fixed APR as low as; All loans subject to credit approval. Rates subject to change without notice. Rates and term subject to credit qualification. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
No additional details available.
No additional details available.
As Low As
$10,001 to $20,000
Rates and terms available to qualified borrowers.
As low as; Loan Amount: $3,000.01 - $5,000
As low as
Published APR range: 9.90%-17.90%.
As Low As; Maximum of up to $15,000 (dependent on credit score). Terms are negotiable. Rates and limit are dependent upon credit score. Rates are subject to change. $5.00 loan application fee when applying and your most recent pay stub is needed as well.
Sauget, IL Personal Loan Rate Trends
Compare local Sauget, 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 0.084 points over the past 7 days to 10.413% APR.
Illinois signature loan rates rose 0.169 points over the past 7 days to 10.660% APR.
Sauget, IL 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 Illinois 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 IL average personal loan APR of 10.41%, across the terms lenders serving Sauget, Illinois 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 | $231.68/mo | $162.31/mo | $127.81/mo | $107.26/mo |
| $10,000 | $463.36/mo | $324.62/mo | $255.62/mo | $214.51/mo |
| $15,000 | $695.04/mo | $486.92/mo | $383.42/mo | $321.77/mo |
| $25,000 | $1,158.40/mo | $811.54/mo | $639.04/mo | $536.28/mo |
| $35,000 | $1,621.76/mo | $1,136.16/mo | $894.66/mo | $750.79/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 Sauget, Illinois
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 IL personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (IL average) | 10.41% | $383.42 | $3,404 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,746 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,280 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,872 |
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 Sauget, Illinois
Prequalify With a Soft Credit Check
Most lenders serving Sauget, Illinois 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 Illinois 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 Sauget, Illinois 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 Sauget, Illinois high-yield savings account costs nothing and earns interest instead of paying it
Illinois Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $383 monthly loan payment is roughly 9.5% of the median individual income in Illinois. 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 Sauget, Illinois.
| 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 IL 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 Sauget, 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 Sauget, 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 Sauget, 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.
Personal Loans for Bad Credit in Sauget, Illinois
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 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 Sauget, Illinois?
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 Sauget, Illinois?
What is the maximum APR on a bad credit personal loan from a credit union?
What are the best personal loan rates in Sauget, Illinois?
- Oak Lawn Municipal Employees Credit Union: 3.99% (SIGNATURE LOANS)
- Healthcare Associates Credit Union: 4.00% (Share Secured Loan)
- MembersAlliance Credit Union: 4.25% (Loan Consolidation)
- Evergreen Park Schools Federal Credit Union: 4.50% (Share Secured Loan)
- Metro Federal Credit Union Arlington Heights, IL: 5.99% (Holiday & Debt Consolidation Loan)
Sauget, Illinois Rates & Resources
Personal Loan Calculators
