Best Personal Loan Rates in Richmond, 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 Richmond, Indiana include: Natco Credit UnionNatco Credit Union582 S ROUND BARN RD, RICHMOND, IN, 47374 4435A+5.0 ★Texas Ratio: 5.02% offering Personal loans at 9.95% APR, Health Care Professionals Federal Credit UnionHealth Care Professionals Federal Credit Union1810 Williamsburg Pike, Richmond, IN, 47374A+5.0 ★Texas Ratio: 0.20% offering Personal Loan at 9.99% APR, Perfect Circle Credit UnionPerfect Circle Credit Union77 S 37th St, Richmond, IN, 47374A+5.0 ★Texas Ratio: 5.55% offering Personal Loan at 9.99% APR, Kemba Credit UnionKemba Credit Union50 N 5th St, Richmond, IN, 47374A5.0 ★Texas Ratio: 6.17% offering Personal Loan at 13.12% APR, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Richmond has 4 local institutions in our database, with personal loan rates as low as 9.95% APR from Natco Credit Union at 582 S ROUND BARN RD, RICHMOND, IN, 47374 4435. 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 Richmond, Indiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Richmond, 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
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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No additional details available.
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No additional details available.
This APR will vary with the market based on the dividend rate.
No additional details available.
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$100.00 application fee for one year. No credit check.
No additional details available.
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No additional details available.
No additional details available.
As Low As; for 30-Year Fixed
As Low As; for 30-Year Fixed
720 & Higher
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As Low As; Purchase: 5.875% for 30-Year Fixed
720 & Higher
No additional details available.
As Low As; for 30-Year Fixed
As Low As; for 30-Year Fixed
As Low As; for 30-Year Fixed
720 & Higher
No additional details available.
As Low As; *AS LOW AS*
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Guaranteed approval for at least $500
As Low As
720 & Higher
No additional details available.
MAX 72 months
No additional details available.
No additional details available.
720 & Higher
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No additional details available.
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720 & Higher
As Low As; starts at 7.50%*
700-719
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As Low As; Up to $2,000
No additional details available.
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. 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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No additional details available.
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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!
No additional details available.
As Low As; ***SPECIAL***
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As Low As; Fixed
No additional details available.
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As Low As
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.
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.
660-699
Credit Score 720 & Higher
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As Low As
$2,501; As Low As
$500-$2,500; As Low As
700-719
No additional details available.
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As Low As
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up to $20,000
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Credit Score 700-719
660-699
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.
As Low As
As Low As; all rates based on creditworthiness
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
Up to $25,000*. No application fee.
As Low As
As Low As
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As Low As; *AS LOW AS*
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As Low As; starts at 7.50%*
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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.
As Low As
As Low As
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As Low As; ***SPECIAL***
As Low As; Fixed
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Credit Score 720 & Higher
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No additional details available.
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Credit Score 700-719
As Low As; all rates based on creditworthiness
No additional details available.
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No additional details available.
MAX 48 months
No additional details available.
As Low As
As Low As
As Low As; Click to apply!
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As; Take care of surprise costs - And build credit with timely payments. We offer fast financing for just about anything.
As Low As
As Low As
As Low As
up to $20,000
As Low As
Richmond, IN Personal Loan Rate Trends
Compare local Richmond, 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 Richmond, Indiana?
What are the best personal loan rates in Richmond, Indiana?
- Natco Credit Union: 9.95% (Personal loans)
- Health Care Professionals Federal Credit Union: 9.99% (Personal Loan)
- Perfect Circle Credit Union: 9.99% (Personal Loan)
- Kemba Credit Union: 13.12% (Personal Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Calculators
