Best Personal Loan Rates in Lexington, Indiana - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Lexington, Indiana include: Regional Federal Credit UnionRegional Federal Credit UnionA+5.0 ★Texas Ratio: 4.25% offering Credit Builder Loan at 3.99% APR, Indiana Heartland Federal Credit UnionIndiana Heartland Federal Credit UnionB+4.8 ★Texas Ratio: 16.01% offering SPECIAL: New purchases on 2023 or newer for 48-60 months - limited time only Loan at 3.99% APR, Midwest America Federal Credit UnionMidwest America Federal Credit UnionA+5.0 ★Texas Ratio: 3.67% offering Credit Builder Loan at 4.05% APR, Thrive Federal Credit UnionThrive Federal Credit UnionA5.0 ★Texas Ratio: 6.95% offering New/Used 2026-2025 Loan at 4.24% APR, and Fortress Federal Credit UnionFortress Federal Credit UnionA+5.0 ★Texas Ratio: 1.35% offering New Collateral Loan at 4.39% APR. Personal loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Lexington borrowers have access to 28 lenders serving the Indiana area, with personal loan rates as low as 3.99% APR from Regional Federal 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 Lexington, Indiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lexington, 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: July 16, 2026
Lexington Personal Loan Rates
As Low As
No additional details available.
Max. amount $5,000
As Low As; $60,000 Loan Minimum
APR* up to 15.49%
As Low As
As Low As
APR* up to 16.49%
No additional details available.
As Low As
100% List
2025 - 2024
No additional details available.
No additional details available.
100% List
As Low As; APR up to 16.49%
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
$20,000+; As Low As;*
100% List
As Low As
No additional details available.
As Low As; Model Year
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
2023 - 2022
As Low As;*
*
No additional details available.
2021 - 2019
No additional details available.
APR* up to 16.99%
Loans from $250 to $2,500. Funds borrowed are secured and deposited in the member's savings account while regular payments are made. Once the loan is paid off in full, the funds in the savings account will be released and available for future use.
APR* as low as
No additional details available.
No additional details available.
APR* as low as
As Low As; * $60,000 Loan Minimum applies to 96 month term
As Low As
No additional details available.
As Low As
No additional details available.
Rates are subject to change without notice. APR*
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; APR*
No additional details available.
As Low As; $60,000 Loan Minimum
As Low As
As Low As
As Low As
As Low As
As Low As
APR* as low as
No additional details available.
APR* as low as
No additional details available.
No additional details available.
As Low As
Credit Score: 720 & Higher
No additional details available.
APR* as low as
Credit Score: 720 & Higher
As Low As
Credit Score: 720 & Higher
As Low As
As Low As
As Low As; Model Year: 2023 - 2024
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
Over $15,000
No additional details available.
No additional details available.
No additional details available.
Credit Score: 720 & Higher
No additional details available.
As Low As; Model Year: 2023 - 2024
As Low As
As Low As
*
No additional details available.
As Low As; Minimum Loan Amount: $5,000
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
As Low As; Model Year: 2020 - 2022
Credit Score: 720 & Higher
Credit Score: 720 & Higher
No additional details available.
As Low As
No additional details available.
APR* as low as
No additional details available.
Rates are subject to change without notice. APR*
As Low As; Model Year: 2020 - 2022
Credit Score: 720 & Higher
Credit Score: 720 & Higher
Credit Score: 720 & Higher
As Low As; APR
Qualifications Required: Required Checking account and Direct Deposit (minimum $1,000 per month for life of the loan); Proof of employment is required; Setup of direct deposit or auto payment is required; Active membership account is required; This offer is only valid for the first-year teachers under contract with school corporations located in Lake or Porter Counties in Indiana and must be disbursed within the first 90 days of employment contract.; Fixed APR; Guaranteed approval for at least $500; Borrow up to $3,500; Rate shown reflects lowest possible rate and term up to 24-months.
As Low As
As Low As
No additional details available.
As Low As; Minimum Loan Amount: $7,000
As Low As; Approval based on credit worthiness. Membership eligibility required.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
Credit Score: 720 & Higher
No additional details available.
As Low As; APR
Credit Score: 720 & Higher
As Low As
As Low As; Model Year: 2015 - 2019
As Low As
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As; Model Year: 2015 - 2019
Lexington Personal Loan Rates
As Low As
As Low As
As Low As
As Low As; Approval based on credit worthiness. Membership eligibility required.
Lexington Debt Consolidation Loan Rates
No additional details available.
No additional details available.
Tier A; Limit: $8,000; Debt to Income: Above 10%
Tier B; Limit: $7,000; Debt to Income: 10% or Less
Tier A (Score 730+); Limit: $10,000; Debt to Income: 10% or Less
Tier C; Limit: $5,000; Debt to Income: 10% or Less
No additional details available.
Tier D; Limit: $2,000; Debt to Income: 10% or Less
Tier F; Limit: $500; Debt to Income: Up to 15%
Lexington Signature Loan Rates
Lexington, IN Personal Loan Rate Trends
Compare local Lexington, 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 rose 0.035 points over the past 7 days to 10.453% APR.
Indiana signature loan rates fell 0.024 points over the past 7 days to 12.028% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lexington, 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 Lexington, 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 Lexington, 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 Lexington, Indiana?
What are the best personal loan rates in Lexington, Indiana?
- Regional Federal Credit Union: 3.99% (Credit Builder Loan)
- Indiana Heartland Federal Credit Union: 3.99% (SPECIAL: New purchases on 2023 or newer for 48-60 months - limited time only Loan)
- Midwest America Federal Credit Union: 4.05% (Credit Builder Loan)
- Thrive Federal Credit Union: 4.24% (New/Used 2026-2025 Loan)
- Fortress Federal Credit Union: 4.39% (New Collateral Loan)
Personal Loan Calculators
