Current personal loan options available to borrowers in Pershing, Indiana include: Indiana Heartland Federal Credit UnionIndiana Heartland Federal Credit UnionB+4.8 ★Texas Ratio: 16.01% offering Signature (Personal) Loans at 4.95% APR, Kemba Indianapolis Credit UnionKemba Indianapolis Credit UnionA+5.0 ★Texas Ratio: 1.54% offering Closed end Personal Loan at 5.29% APR, STAR Financial BankSTAR Financial BankA+5.0 ★Texas Ratio: 2.20% offering Debt Free 7 Year Fixed at 6.45% APR, South Bend Firefighters Federal Credit UnionSouth Bend Firefighters Federal Credit UnionA+5.0 ★Texas Ratio: 4.66% offering Signature Spring Sepcial Loan at 6.50% APR, and Afena Federal Credit UnionAfena Federal Credit UnionA5.0 ★Texas Ratio: 7.52% offering Debt Consolidation Loans at 6.99% APR. Personal loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Pershing borrowers have access to 66 lenders serving the Indiana area, with personal loan rates as low as 4.95% APR from Indiana Heartland 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 Pershing, Indiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Pershing, 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: August 28, 2026
As low as; Rate listed reflects 760+ FICO 8 credit score.
As Low As; ***
No additional details available.
No additional details available.
No additional details available.
Rates are tiered, rate shown as low as. APR is subject to change without notice.
Special Rate; As Low As
As Low As*
As Low As; Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. All closed end unsecured loans have a $25 loan application fee that must be on deposit at the time of application.
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
Personal Loan
As Low As
As Low As
As Low As; This is a HELOC product. Rates are variable and subject to change.
As Low As
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.
Maximum APR: 14.99%
Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. All closed end unsecured loans have a $25 loan application fee that must be on deposit at the time of application.
Maximum loan amount of $10,000. 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.
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.
As Low as; Approval based on credit worthiness. Membership eligibility required.
As Low As; * Rate applies to loan amounts of $1,000 - $10,000.
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.
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.
Rate: Variable Prime +2.00%
Up to $18k financing**
As low as
As Low As;*
Loan Rates - Effective Wednesday, August 26, 2026
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*
As Low As
No additional details available.
As Low As; * Rate applies to loan amounts of $1,000 - $10,000.
No additional details available.
1
Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. All closed end unsecured loans have a $25 loan application fee that must be on deposit at the time of application.
(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; * Rate applies to loan amounts of $1,000 - $10,000.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
Rates as of 6/03/2025 and are subject to change without notice. Your actual loan amount, rate and term is based on your credit history and credit score, and age of collateral.
No additional details available.
Click to apply!
As Low As;*
No additional details available.
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
As low as
No additional details available.
No additional details available.
As low as; *
As Low As; Special
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; Reviewed Every 24 Mo.
(17)
As Low As
No collateral necessary; One predictable monthly payment; Convenient repayment terms that fit your budget; Quick, local decision-making and processing; Attentive, friendly service from start to finish; As Low As; *
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.
As Low As
As low as
As Low As; Personal Loan
As Low As*
$2,501; As Low As
$500-$2,500; As Low As
As Low As; * Rate applies to loan amounts of $3,000 - $10,000.
No additional details available.
Credit Score: A 700-above
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
(17)
up to $20,000
As Low As; Based on Individual 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
As Low As; Personal, Unsecured, and Lines of Credit
No additional details available.
As Low As;*
As low as
As Low As
As Low As; Rates were last updated on 2/11/26. Your rate may vary depending on your credit score.
No additional details available.
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.
up to $20,000
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.
As low as
No additional details available.
No additional details available.
Credit Score: A 700-above
As Low As
As Low As
Minimum loan amount $500+
up to $20,000
As Low As
As Low As; ***
Special Rate; As Low As
As Low As*
As Low As; Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. All closed end unsecured loans have a $25 loan application fee that must be on deposit at the time of application.
As Low As
Personal Loan
As Low As
As Low As; This is a HELOC product. Rates are variable and subject to change.
As Low As
Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. All closed end unsecured loans have a $25 loan application fee that must be on deposit at the time of application.
As Low as; Approval based on credit worthiness. Membership eligibility required.
As Low As; * Rate applies to loan amounts of $1,000 - $10,000.
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
As Low As; * Rate applies to loan amounts of $1,000 - $10,000.
Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. All closed end unsecured loans have a $25 loan application fee that must be on deposit at the time of application.
Credit Score: A 700-above
As Low As; * Rate applies to loan amounts of $1,000 - $10,000.
As Low As
As Low As
As Low As
Rates as of 6/03/2025 and are subject to change without notice. Your actual loan amount, rate and term is based on your credit history and credit score, and age of collateral.
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
As low as; *
As Low As; Special
As low as; Fixed rate and fixed monthly payment
As Low As
As Low As*
As Low As
As Low As
As low as
As Low As; Personal Loan
As Low As*
$500-$2,500; As Low As
As Low As; * Rate applies to loan amounts of $3,000 - $10,000.
Credit Score: A 700-above
As Low As
As Low As
As Low As
As Low As
As Low As; Based on Individual Credit
As Low As
No additional details available.
As Low As;*
As low as
As Low As
As Low As; Rates were last updated on 2/11/26. Your rate may vary depending on your credit score.
As Low As*
Max. $6,000
No additional details available.
No additional details available.
Credit Score: A 700-above
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
Rates are tiered, rate shown as low as. APR is subject to change without notice.
Maximum loan amount of $10,000. Credit score of 630 and above required.
As low as; Rate listed reflects 760+ FICO 8 credit score.
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.
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.
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.
Up to $18k financing**
As low as
No additional details available.
No additional details available.
No additional details available.
1
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Click to apply!
No additional details available.
As Low As; Approval based on credit worthiness. Membership eligibility required.
as low as
No additional details available.
No additional details available.
As Low As; Reviewed Every 24 Mo.
(17)
As Low As
No collateral necessary; One predictable monthly payment; Convenient repayment terms that fit your budget; Quick, local decision-making and processing; Attentive, friendly service from start to finish; As Low As; *
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.
(17)
up to $20,000
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.
up to $20,000
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.
Minimum loan amount $500+
up to $20,000
Compare local Pershing, 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 0.662 points over the past 7 days to 9.993% APR.
Indiana signature loan rates fell 1.665 points over the past 7 days to 9.878% APR.
Estimated monthly payments at the current IN average personal loan APR of 9.99%, across the terms lenders serving Pershing, 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 | $230.71/mo | $161.32/mo | $126.80/mo | $106.22/mo |
| $10,000 | $461.42/mo | $322.64/mo | $253.59/mo | $212.44/mo |
| $15,000 | $692.13/mo | $483.96/mo | $380.39/mo | $318.66/mo |
| $25,000 | $1,153.55/mo | $806.60/mo | $633.99/mo | $531.09/mo |
| $35,000 | $1,614.97/mo | $1,129.24/mo | $887.58/mo | $743.53/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.
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 | 9.99% | $380.39 | $3,259 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,891 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,426 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $6,018 |
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.
Our Pershing, Indiana tables currently track 66 banks and credit unions offering personal, debt consolidation, and signature loans to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so what you compare here is what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified personal loan APR in our Pershing, Indiana database right now is 4.95% APR from Indiana Heartland Federal Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.
Most lenders serving Pershing, 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.
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.
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.
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.
Local demographics and economic context for borrowers — Source: U.S. Census Bureau (state-level data shown — city data not available)
A $380 monthly loan payment is roughly 10.6% of the median individual income in 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.
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 Pershing, 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.
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.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pershing, 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 Pershing, 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 Pershing, 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.