Kendallville, Indiana Best Personal Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Kendallville, Indiana include: ProFed Federal Credit UnionProFed Federal Credit Union419 E North St, Kendallville, IN, 46755 1129A+5.0 ★Texas Ratio: 0.90% offering Variable Rate Personal Unsecured Loan at 8.75% APR, Midwest America Federal Credit UnionMidwest America Federal Credit Union648 E North St, Kendallville, IN, 46755A+5.0 ★Texas Ratio: 4.06% offering Personal (Max. amount Loan at 11.90% APR, Three Rivers Federal Credit UnionThree Rivers Federal Credit Union551 W North St, Kendallville, IN, 46755 1007A+5.0 ★Texas Ratio: 5.45% offering Unsecured Term Loan at 12.66% APR, South Bend Firefighters Federal Credit UnionSouth Bend Firefighters Federal Credit UnionA+5.0 ★Texas Ratio: 4.32% offering Signature Spring Sepcial Loan at 6.50% APR, and STAR Financial BankSTAR Financial BankA+5.0 ★Texas Ratio: 2.88% offering Debt Free 7 Year Fixed at 6.70% APR. Personal loan rates as of September 9, 2026 according to verified data from MonitorBankRates.
Kendallville has 3 local institutions in our database, with personal loan rates as low as 8.75% APR from ProFed Federal Credit Union at 419 E North St, Kendallville, IN, 46755 1129. 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 Kendallville, Indiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Kendallville, Indiana. 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: September 9, 2026
Kendallville Personal Loan Rates
Rate: Variable Prime +2.00%
As Low As; Rates were last updated on 2/11/26. Your rate may vary depending on your credit score.
No additional details available.
$25,000
As Low As; Personal loan rates will range from 11.99%-18%.
As Low As; Personal loan rates will range from 11.99%-18%.
As Low As; Personal loan rates will range from 11.99%-18%.
As Low As; Personal loan rates will range from 11.99%-18%.
No additional details available.
No additional details available.
No additional details available.
Rates effective as of 8/3/2026; Rates are tiered, rate shown as low as. APR is subject to change without notice.
Special Rate
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
As Low As; APR
As Low As
As Low As
As Low As; APR
As Low As; This is a HELOC product. Rates are variable and subject to change.
As Low As
$20,000
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Maximum APR: 14.99%
Rates as low as 8.00% APR*. Credit score of 630 and above required
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
APR based on credit qualifications. Rate subject to change. 8.49% APR is available for credit scores 760 or higher. Payment calculations are based on a 60 month term. Offer subject to change at any time.; APR range: 8.49% - 18.00%
As Low as; Approval based on credit worthiness. Membership eligibility required.
As Low As; *
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
As Low As; *
As Low As
No additional details available.
As low as 8.84% APR up to 24 months; Model Year: 2018 - 2020
As low as
As Low As;*
As Low As; Rates subject to credit score.
As Low As
As low as
As Low As; Rates subject to credit score.
No additional details available.
As low as 8.99% APR up to 36 months.; Model Year: 2018 - 2020
As Low As
No additional details available.
As Low As; *
No additional details available.
(Financing purchases of hot tubs, UTVs, tractors and other untitled items)
No additional details available.
Credit Score: A 700-above
As Low As
As Low As; *
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
APR range: 9.90%-17.90%
No additional details available.
Click to apply!
As Low As;*
APR range: 9.95% to 18.00%
APR is the Annual Percentage Rate.Terms and conditions are subject to change without notice. Subject to credit approval. Rate may vary based on individual creditworthiness.
As Low As; Fixed
As Low As; Approval based on credit worthiness. Membership eligibility required.
As low as; APR*
No additional details available.
As low as; *
No additional details available.
As low as; Fixed rate and fixed monthly payment
As Low As
As Low As*
No additional details available.
As Low As
As Low As; FIXED; Reviewed Every 24 Mo.
No additional details available.
As Low As
Max Amount: $10,000
As Low As; No collateral necessary
As Low As
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit.
Credit Score: 720 & Higher
As Low As
As low as; APR*
As Low As; Personal Loan
As Low As*
$2,501; As Low As
$500-$2,500; As Low As
As Low As; *
No additional details available.
Credit Score: A 700-above
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Based on Individual Credit
Credit Score: 700-719
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit.
As Low As
No additional details available.
No additional details available.
As Low As;*
As low as; APR*
As Low As
Max. $6,000
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit.
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit.
As low as
No additional details available.
No additional details available.
Credit Score: 660-699
Credit Score: A 700-above
As Low As
No additional details available.
Minimum loan amount $500+
As Low As
As Low As
As Low As
Minimum loan amount $5,000+
As low as; Risk Based Pricing still applies and rates are based on credit scoring. Contact the credit union staff for offer details and eligibility requirements.
No additional details available.
As low as; Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
As low as
No additional details available.
Kendallville Personal Loan Rates
As Low As; Rates were last updated on 2/11/26. Your rate may vary depending on your credit score.
Special Rate
As Low As; APR
As Low As
As Low As; APR
As Low As; This is a HELOC product. Rates are variable and subject to change.
As Low As
As Low as; Approval based on credit worthiness. Membership eligibility required.
As Low As; *
As Low As; *
As Low As
As low as
As Low As;*
As Low As; Rates subject to credit score.
As Low As
As Low As; Rates subject to credit score.
As Low As
As Low As; *
Credit Score: A 700-above
As Low As; *
As Low As
As Low As
As Low As
As Low As
As Low As;*
APR is the Annual Percentage Rate.Terms and conditions are subject to change without notice. Subject to credit approval. Rate may vary based on individual creditworthiness.
As Low As; Fixed
As low as; APR*
As low as; *
No additional details available.
As low as; Fixed rate and fixed monthly payment
As Low As
As Low As*
As Low As
As Low As
As low as; APR*
As Low As; Personal Loan
As Low As*
$500-$2,500; As Low As
As Low As; *
Credit Score: A 700-above
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; Based on Individual Credit
As Low As
No additional details available.
As Low As;*
As low as; APR*
As Low As
Max. $6,000
No additional details available.
No additional details available.
Credit Score: A 700-above
As Low As
No additional details available.
As Low As
As Low As
As Low As
As low as; Risk Based Pricing still applies and rates are based on credit scoring. Contact the credit union staff for offer details and eligibility requirements.
No additional details available.
Kendallville Debt Consolidation Loan Rates
No additional details available.
No additional details available.
Rates effective as of 8/3/2026; Rates are tiered, rate shown as low as. APR is subject to change without notice.
Rates as low as 8.00% APR*. Credit score of 630 and above required
Kendallville Signature Loan Rates
No additional details available.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
As Low As
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Maximum APR: 14.99%
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
APR based on credit qualifications. Rate subject to change. 8.49% APR is available for credit scores 760 or higher. Payment calculations are based on a 60 month term. Offer subject to change at any time.; APR range: 8.49% - 18.00%
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
No additional details available.
As low as 8.84% APR up to 24 months; Model Year: 2018 - 2020
As low as
No additional details available.
As low as 8.99% APR up to 36 months.; Model Year: 2018 - 2020
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APR range: 9.90%-17.90%
No additional details available.
Click to apply!
APR range: 9.95% to 18.00%
As Low As; Approval based on credit worthiness. Membership eligibility required.
No additional details available.
As Low As; FIXED; Reviewed Every 24 Mo.
No additional details available.
As Low As
As Low As; No collateral necessary
As Low As
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit.
No additional details available.
No additional details available.
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit.
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit.
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit.
Minimum loan amount $500+
Minimum loan amount $5,000+
No additional details available.
As low as; Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
Kendallville, IN Personal Loan Rate Trends
Compare local Kendallville, IN 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.
Indiana personal loan rates fell 0.064 points over the past 7 days to 9.929% APR.
Indiana signature loan rates rose 0.007 points over the past 7 days to 9.886% APR.
Kendallville, IN 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 Indiana 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 IN average personal loan APR of 9.93%, across the terms lenders serving Kendallville, Indiana 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 | $230.56/mo | $161.17/mo | $126.64/mo | $106.06/mo |
| $10,000 | $461.12/mo | $322.34/mo | $253.29/mo | $212.12/mo |
| $15,000 | $691.68/mo | $483.51/mo | $379.93/mo | $318.18/mo |
| $25,000 | $1,152.81/mo | $805.85/mo | $633.21/mo | $530.31/mo |
| $35,000 | $1,613.93/mo | $1,128.19/mo | $886.50/mo | $742.43/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 Kendallville, Indiana
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 IN personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (IN average) | 9.93% | $379.93 | $3,237 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,913 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,448 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $6,040 |
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 Kendallville, Indiana
Prequalify With a Soft Credit Check
Most lenders serving Kendallville, Indiana 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 Indiana 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 Kendallville, Indiana 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 Kendallville, Indiana high-yield savings account costs nothing and earns interest instead of paying it
Kendallville, Indiana Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $380 monthly loan payment is roughly 11.9% of the median individual income in Kendallville, Indiana. 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 Kendallville, Indiana.
| 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 1–3 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 3–5% | ● 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 IN 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 Kendallville, Indiana 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 Kendallville, Indiana 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 Kendallville, Indiana. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in IN.
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 Indiana?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Indiana?
Are credit unions or banks better for personal loans in Kendallville, Indiana?
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?
What are the best personal loan rates in Kendallville, Indiana?
- ProFed Federal Credit Union: 8.75% (Variable Rate Personal Unsecured Loan)
- Midwest America Federal Credit Union: 11.90% (Personal (Max. amount Loan)
- Three Rivers Federal Credit Union: 12.66% (Unsecured Term Loan)
- South Bend Firefighters Federal Credit Union: 6.50% (Signature Spring Sepcial Loan)
- STAR Financial Bank: 6.70% (Debt Free 7 Year Fixed)
Kendallville, Indiana Rates & Resources
Personal Loan Calculators
