Best Personal Loan Rates in Muncie, Indiana (IN) - May 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 Muncie, Indiana include: STAR Financial BankSTAR Financial Bank400 N High St, Muncie, IN, 47305A+5.0 ★Texas Ratio: 2.20% offering Debt Free 7 Year Fixed at 6.07% APR, Thrive Federal Credit UnionThrive Federal Credit Union2610 N Wheeling Ave, Muncie, IN, 47303A5.0 ★Texas Ratio: 7.25% offering Personal Loan at 7.75% APR, First County Federal Credit UnionFirst County Federal Credit Union1100 W 11th St, Muncie, IN, 47302 2232A5.0 ★Texas Ratio: 6.22% offering Personal Loan at 8.49% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, and Elements Financial Federal Credit UnionElements Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.98% offering Credit Builder Loan at 5.00% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Muncie has 3 local institutions in our database, with personal loan rates as low as 6.07% APR from STAR Financial Bank at 400 N High St, Muncie, IN, 47305. 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 Muncie, Indiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Muncie, 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: May 12, 2026
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Application Fee for the first loan is $20.00. Application fee for loans within 6 months of the first application date is $0.00 (free). After 6 months, full underwriting is required, and the application fee will be $20.00.
Application Fee for the first loan is $20.00. Application fee for loans within 6 months of the first application date is $10.00. After 6 months, full underwriting is required and the application fee will be $20.00.
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This APR will vary with the market based on the dividend rate.
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$100.00 application fee for one year. No credit check.
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720 & Higher
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As Low As; Purchase: 5.875% for 30-Year Fixed
720 & Higher
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720 & Higher
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Guaranteed approval for at least $500
720 & Higher
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MAX 72 months
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720 & Higher
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720 & Higher
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As Low As; starts at 7.50%*
700-719
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As Low As; Up to $2,000
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700-719
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700-719
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660-699
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660-699
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As Low As; *Subject to credit approval. APR is Annual Percentage Rate. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. APR is based on credit history. The accuracy of these calculators and their applicability to your circumstances are not guaranteed. You should obtain personal advice from qualified professionals.
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As Low As; Subject to credit approval. Some restrictions may apply.
As Low As; Subject to credit approval. Some restrictions may apply.
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660-699
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MAX 48 months
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660-699
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660-699
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700-719
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As Low As; Click to apply!
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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.
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Up to $25,000*. No application fee.
660-699
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As Low As; Take care of surprise costs - And build credit with timely payments. We offer fast financing for just about anything.
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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.
660-699
Credit Score 720 & Higher
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$500-$2,500; As Low As
$2,501; As Low As
700-719
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up to $20,000
660-699
Credit Score 700-719
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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.
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As Low As; all rates based on creditworthiness
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As Low As; Subject to credit approval. Some restrictions may apply.
As Low As; Subject to credit approval. Some restrictions may apply.
As Low As; *Subject to credit approval. APR is Annual Percentage Rate. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. APR is based on credit history. The accuracy of these calculators and their applicability to your circumstances are not guaranteed. You should obtain personal advice from qualified professionals.
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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.
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Up to $25,000*. No application fee.
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Credit Score 720 & Higher
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Credit Score 700-719
As Low As; all rates based on creditworthiness
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MAX 48 months
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As Low As; Click to apply!
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As Low As; Take care of surprise costs - And build credit with timely payments. We offer fast financing for just about anything.
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up to $20,000
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Muncie, IN Personal Loan Rate Trends
Compare local Muncie, 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 0.051 points over the past 7 days to 10.803% APR.
Indiana signature loan rates rose 0.270 points over the past 7 days to 11.785% APR.
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 Muncie, Indiana?
What are the best personal loan rates in Muncie, Indiana?
- STAR Financial Bank: 6.07% (Debt Free 7 Year Fixed)
- Thrive Federal Credit Union: 7.75% (Personal Loan)
- First County Federal Credit Union: 8.49% (Personal Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Elements Financial Federal Credit Union: 5.00% (Credit Builder Loan)
Personal Loan Calculators
