Rising Sun, Indiana Best Personal Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Rising Sun, Indiana personal loan rates from lenders serving Indiana range from 6.99% to 12.66% APR, verified by MonitorBankRates as of October 15, 2026. Current personal loan options available to borrowers in Rising Sun, Indiana include: Afena Federal Credit UnionAfena Federal Credit UnionA5.0 ★Texas Ratio: 7.90% offering Debt Consolidation Loans at 6.99% APR, Weatherhead Federal Credit UnionWeatherhead Federal Credit UnionA+5.0 ★Texas Ratio: 2.49% offering Personal Loan - Special Rate at 6.99% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31% offering Personal Loan at 6.99% APR, Hoosier Hills Credit UnionHoosier Hills Credit UnionA5.0 ★Texas Ratio: 7.37% offering Solar Loan at 7.18% APR, and STAR Financial BankSTAR Financial BankA+5.0 ★Texas Ratio: 2.87% offering Debt Free 7 Year Fixed at 7.20% APR. Personal loan rates as of October 15, 2026 according to verified data from MonitorBankRates.
Rising Sun borrowers have access to 79 lenders serving the Indiana area, with personal loan rates as low as 6.99% APR from Afena Federal Credit Union. 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 Rising Sun, Indiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Rising Sun, 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: October 15, 2026
Rising Sun Personal Loan Rates
Featured rate
As Low As; Special Rate
As Low As; Personal Loans
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
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.
No additional details available.
- Oct 11, 20267.20%▲ from 7.08%
- Oct 3, 20267.08%▼ from 7.20%
- Sep 27, 20267.20%▲ from 6.95%
- Sep 24, 20266.95%▼ from 7.08%
No additional details available.
- Oct 11, 20267.24%▲ from 7.11%
- Oct 3, 20267.11%▼ from 7.24%
- Sep 27, 20267.24%▲ from 6.99%
- Sep 24, 20266.99%▼ from 7.11%
As Low As; Fixed-rate; Maximum Eligible Term column shows 'Fixed-rate' with no term length; Effective Date: 10/1/2026
As Low As; Consumer Loan And Bill Consolidation up to $10,000 unsecured; rates based on members' credit
As Low As; Members with credit score 725 and higher; rate may be higher based on credit worthiness
As Low As; 60 months or less/$500 to $20,000
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.
As Low As; Homepage promo card on Loan Rates page
As Low As; APR up to 14.99%; Other Loans (some restrictions apply); * $20,000 Maximum based on credit worthiness
As Low As; Unsecured Loan Rates
- Oct 5, 20268.00%▲ from 7.60%
- Sep 21, 20267.60%first recorded
As Low As; Maximum loan amount of $10,000; Credit score of 630 and above required; Includes complimentary wellness check-up
Published APR range: 8.49% - 18.00%. Fixed APR range; 8.49% APR available for credit scores 760 or higher; based on credit qualifications
As Low As; Unsecured or collateral-secured personal loan
As Low As; Loan Amount: $1,000 - $10,000; Rate determined by member credit score; includes .25% automatic payment discount
As Low As; featured rate from homepage rates card
As Low As; Rates as Low as: 8.74% APR*
Payment example per $1,000 borrowed: $87.26; APR may be as low as the percentage shown and is subject to loan approval; $35 processing fee for Signature Installment Loans
Up to $18k; As Low As; Rate reflects 730+ FICO 8 credit score; Rates Effective 09/30/2026
As Low As; Featured Rate; Annual Percentage Rate; Rates effective as of 11/01/2025
As Low As
- Oct 1, 20268.90%▼ from 9.99%
- Sep 14, 20269.99%first recorded
As Low As; Members with credit score 725 and higher; rate may be higher based on credit worthiness
As Low As; Personal loans available as low as 8.99% APR for qualified borrowers. Rates subject to credit score. Rate current as of October 1, 2026.
As Low As; Unsecured personal loan
As Low As; Rates may be higher depending on credit score; Rates listed are APR
- Sep 25, 20268.99%▲ from 7.75%
- Sep 16, 20267.75%first recorded
Additional qualifications may apply; Rates subject to change and are based on creditworthiness
As Low As; Rate current as of October 1, 2026; Disclosure: personal loans available as low as 8.99% APR for qualified borrowers; rates subject to credit score
As Low As; Maximum Term: 36 months
As Low As
Published APR range: 9.00%-18.00%. Printed as APY** on the page; loan rate range shown as published, footnote states APY is Annual Percentage Yield
As Low As; Loan Amount: $1,000 - $10,000; Rate determined by member credit score; includes .25% automatic payment discount
Payment example per $1,000 borrowed: $45.69; APR may be as low as the percentage shown and is subject to loan approval; $35 processing fee for Signature Installment Loans
No additional details available.
As Low As; Rate: Prime +2.00%; Rate type: Variable; Collateral: N/A
- Sep 21, 20269.00%▲ from 8.75%
- Sep 14, 20268.75%first recorded
Rates reflect 1 point reduction in APR for members with Direct Deposit into a PFCU Premier Checking account
Financing purchases of hot tubs, UTVs, tractors and other untitled items; Rate Add-On: 0.25% if Model Year 5+ Years Old (2021)
As Low As; Up to 24 months; Model Year: 2018 - 2020
- Oct 9, 20269.09%▲ from 8.84%
- Sep 14, 20268.84%first recorded
As Low As; Up to 36 months; Model Year: 2018 - 2020
- Oct 9, 20269.24%▲ from 8.99%
- Sep 14, 20268.99%first recorded
As Low As; Actual rate is determined by credit score
- Sep 17, 20269.25%▲ from 9.00%
- Sep 14, 20269.00%first recorded
Credit Score: A 700-above; Loans up to $12,000; APR
As Low As; Unsecured or collateral-secured personal loan
As Low As; Actual rate is determined by credit score
- Sep 17, 20269.50%▲ from 9.25%
- Sep 14, 20269.25%first recorded
As Low As; Loan Amount: $1,000 - $10,000; Rate determined by member credit score; includes .25% automatic payment discount
Payment example per $1,000 borrowed: $32.04; APR may be as low as the percentage shown and is subject to loan approval; $35 processing fee for Signature Installment Loans
As Low As; APR as low as
Rate accurate as of October 13, 2026
Payment example per $1,000 borrowed: $25.25; APR may be as low as the percentage shown and is subject to loan approval; $35 processing fee for Signature Installment Loans
As Low As; rate based on excellent credit and auto payment and electronic signing with estatements
Published APR range: 9.90%-17.90%. APR range as printed: 9.90%-17.90% APR
Rates updated as of 10/9/2026. APR = Annual Percentage Rate. No minimum credit score is required to apply. A credit report will be obtained to determine the rate for which the borrower qualifies. All loans are subject to approval and HHCU lending guidelines. Loan proceeds are deposited into an HHCU savings account and held as collateral until the loan is paid in full. Making payments on time may help build positive credit history; however, HHCU cannot guarantee an increase in a borrower's credit score. Payment Example: $1,000 for a 12 month term at 9.90% APR results in a monthly payment of $87.87.
As Low As; Click to apply!
Payment: $461.17; Assumes $10,000 loan amount and $99 processing fee; Rate and APR subject to change without notice
- Oct 3, 20269.94%▲ from 9.93%
- Sep 24, 20269.93%▼ from 10.49%
- Sep 16, 202610.49%first recorded
As Low As; APR's from 9.95% to 18.00%
As Low As; Term: Varies; Subject to credit approval; rate may vary based on individual creditworthiness
As Low As; Fixed APR; Maximum Term: 21 months; Effective Date: Monday, August 18, 2025
Unsecured up to $25,000.00; Effective April 1st, 2026
As Low As; Rates may be higher depending on credit score; Rates listed are APR
- Sep 25, 20269.99%▲ from 8.75%
- Sep 16, 20268.75%first recorded
As Low As; APR* as low as 9.99%; Model Year: 2020 - 2023
As Low As; Rates are tiered, rate shown as low as.
As Low As; Maximum Term: 48 months
As Low As; 9.99% and up
As Low As; APR is the Annual Percentage Rate; Subject to credit approval
As Low As; Personal Loan Rates
Fixed rate loan.
As Low As; Pricing is based on credit score and term of loan
As Low As; APR is based on creditworthiness and term of the loan; Loan amount: Unsecured
As Low As; Max Term: 48 Months; Rates current as of 02/23/2026
As Low As; APR as low as
As Low As; Actual rate is determined by credit score
- Sep 17, 202610.00%▲ from 9.75%
- Sep 14, 20269.75%first recorded
As Low As; Rate is based on member's credit score and the loan term; Other Loans; Effective August 1, 2025
Max Amount: $10,000; As Low As
As Low As; Rates as low as 10.00% APR*; No collateral necessary; One predictable monthly payment
As Low As
As Low As; Annual Percentage Rate. For Qualified Applicants only.
- Oct 6, 202610.00%▲ from 9.74%
- Sep 14, 20269.74%first recorded
Payment: $253.76; Assumes $10,000 loan amount and $99 processing fee; Rate and APR subject to change without notice
- Oct 3, 202610.03%▲ from 10.02%
- Sep 24, 202610.02%▼ from 10.28%
- Sep 16, 202610.28%first recorded
Rate accurate as of October 13, 2026
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.
- Sep 18, 202610.15%▲ from 9.90%
- Sep 14, 20269.90%first recorded
Credit Score: 720 & Higher
As Low As; Unsecured personal loan
As Low As; Rates are tiered, rate shown as low as.
As Low As; Term: Varies
As Low As; Pricing is based on credit score and term of loan
$500-$2,500; APR* as low as; Loan amount $500-$2,500
$2,501; APR* as low as; Loan amount $2,501-MAX
As Low As; Actual rate is determined by credit score
- Sep 17, 202610.25%▲ from 10.00%
- Sep 14, 202610.00%first recorded
As Low As; Loan Amount: $3,000 - $10,000; Rate determined by member credit score; includes .25% automatic payment discount
Payment example per $1,000 borrowed: $21.38; APR may be as low as the percentage shown and is subject to loan approval; $35 processing fee for Signature Installment Loans
Credit Score: A 700-above; Loans up to $12,000; APR
As Low As
Payment: $214.36; Assumes $10,000 loan amount and $99 processing fee; Rate and APR subject to change without notice
- Oct 3, 202610.38%▲ from 10.38%
- Sep 24, 202610.38%▼ from 10.42%
- Sep 16, 202610.42%first recorded
As Low As; Unsecured or collateral-secured personal loan
up to $20,000; Disclosed rate is the lowest rate available. Actual rate will be based on credit score.
As Low As; Maximum Financing (Available up to): $10,000.00; Based on individual credit; Term Options: 12 to 60 month terms are available; APR example: 10.50% APR on $10,000 for 36 months
Rate accurate as of October 13, 2026
Credit Score: 700-719
As Low As; Actual rate is determined by credit score
- Sep 17, 202610.75%▲ from 10.50%
- Sep 14, 202610.50%first recorded
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; APR* as low as; Rate based on creditworthiness and term of loan; Financing is subject to credit approval; Regular savings account required
As Low As; Rate Type: Fixed
As Low As; Rates determined by credit score, down payment, term and creditworthiness
As Low As; Rates determined by credit score, down payment, term and creditworthiness
As Low As; Rates determined by credit score, down payment, term and creditworthiness
As Low As; Rates may be higher depending on credit score; Rates listed are APR
- Sep 25, 202610.99%▲ from 9.75%
- Sep 16, 20269.75%first recorded
As Low As; Rates are tiered, rate shown as low as.
As Low As
As Low As; Rate type: Fixed; Collateral: N/A
Tier: A+ and A; Max Loan Amount: $50,000; Fixed rate
Published APR range: 10.99%-14.99%. Amount: up to $10K
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; Disclosed rate is the lowest rate available. Actual rate will be based on credit score.
Loan amount: $2,500+; Rate accurate as of October 13, 2026
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; APR* (As low as); Estimated payment per $1,000: $22.06; Rates may vary
Published APR range: 11.24% - 17.99%*.
As Low As; Other Loan Rates; Loans not to exceed 60 months; Loans not to exceed 18% APR
Tier: A+ and A; Max Loan Amount: $50,000; Fixed rate
Credit Score: 660-699
Credit Score: A 700-above; Loans up to $12,000; APR
As Low As
As Low As; Minimum loan amount $500+
Tier: A+ and A; Max Loan Amount: $50,000; Fixed rate
up to $20,000; Disclosed rate is the lowest rate available. Actual rate will be based on credit score.
As Low As; Unsecured personal loan
Tier: A+ and A; Max Loan Amount: $50,000; Fixed rate
As Low As
$25,000; APR*; As low as; Rates effective 10/1/26; Loans subject to one-time $49 processing fee
As Low As; Minimum loan amount $5,000+
Tier: A+ and A; Max Loan Amount: $50,000; Fixed rate
As Low As
No additional details available.
Loan amount: $7,500+; Rate accurate as of October 13, 2026
As Low As; Amount: $1,500 minimum; Rates based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR
Published APR range: 12.24% - 17.99%*.
Credit Score: B 640-699; Loans up to $12,000; APR
As Low As; Effective Date: 10/01/2026; APR=Annual Percentage Rate
- Oct 5, 202612.49%▲ from 11.99%
- Sep 14, 202611.99%first recorded
As Low As
As Low As; APR as low as 12.50% (homepage rate carousel)
Published APR range: 12.66 - 18%. As Low As; Minimum loan amount $5,000; loan processing fee $149
Rising Sun Personal Loan Rates
As Low As; Special Rate
As Low As; Personal Loans
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Consumer Loan And Bill Consolidation up to $10,000 unsecured; rates based on members' credit
As Low As; Members with credit score 725 and higher; rate may be higher based on credit worthiness
As Low As; Homepage promo card on Loan Rates page
As Low As; Unsecured or collateral-secured personal loan
As Low As; featured rate from homepage rates card
As Low As; Rates as Low as: 8.74% APR*
As Low As; Featured Rate; Annual Percentage Rate; Rates effective as of 11/01/2025
As Low As
- Oct 1, 20268.90%▼ from 9.99%
- Sep 14, 20269.99%first recorded
As Low As; Members with credit score 725 and higher; rate may be higher based on credit worthiness
As Low As; Personal loans available as low as 8.99% APR for qualified borrowers. Rates subject to credit score. Rate current as of October 1, 2026.
As Low As; Unsecured personal loan
As Low As; Rates may be higher depending on credit score; Rates listed are APR
- Sep 25, 20268.99%▲ from 7.75%
- Sep 16, 20267.75%first recorded
As Low As; Rate current as of October 1, 2026; Disclosure: personal loans available as low as 8.99% APR for qualified borrowers; rates subject to credit score
As Low As
Credit Score: A 700-above; Loans up to $12,000; APR
As Low As; Unsecured or collateral-secured personal loan
As Low As; APR as low as
Rate accurate as of October 13, 2026
As Low As; rate based on excellent credit and auto payment and electronic signing with estatements
As Low As; Term: Varies; Subject to credit approval; rate may vary based on individual creditworthiness
As Low As; Fixed APR; Maximum Term: 21 months; Effective Date: Monday, August 18, 2025
As Low As; Rates may be higher depending on credit score; Rates listed are APR
- Sep 25, 20269.99%▲ from 8.75%
- Sep 16, 20268.75%first recorded
As Low As; Rates are tiered, rate shown as low as.
As Low As; APR is the Annual Percentage Rate; Subject to credit approval
As Low As; Personal Loan Rates
Fixed rate loan.
As Low As; Pricing is based on credit score and term of loan
As Low As; APR is based on creditworthiness and term of the loan; Loan amount: Unsecured
As Low As; APR as low as
As Low As; Annual Percentage Rate. For Qualified Applicants only.
- Oct 6, 202610.00%▲ from 9.74%
- Sep 14, 20269.74%first recorded
Rate accurate as of October 13, 2026
As Low As; Unsecured personal loan
As Low As; Rates are tiered, rate shown as low as.
As Low As; Term: Varies
As Low As; Pricing is based on credit score and term of loan
$500-$2,500; APR* as low as; Loan amount $500-$2,500
$2,501; APR* as low as; Loan amount $2,501-MAX
Credit Score: A 700-above; Loans up to $12,000; APR
As Low As
As Low As; Unsecured or collateral-secured personal loan
As Low As; Maximum Financing (Available up to): $10,000.00; Based on individual credit; Term Options: 12 to 60 month terms are available; APR example: 10.50% APR on $10,000 for 36 months
Rate accurate as of October 13, 2026
As Low As
As Low As; Rate Type: Fixed
As Low As; Rates may be higher depending on credit score; Rates listed are APR
- Sep 25, 202610.99%▲ from 9.75%
- Sep 16, 20269.75%first recorded
As Low As; Rates are tiered, rate shown as low as.
As Low As
As Low As; Max. $6,000
Loan amount: $2,500+; Rate accurate as of October 13, 2026
Published APR range: 11.24% - 17.99%*.
As Low As; Other Loan Rates; Loans not to exceed 60 months; Loans not to exceed 18% APR
Credit Score: A 700-above; Loans up to $12,000; APR
As Low As
As Low As; Unsecured personal loan
As Low As
As Low As
Loan amount: $7,500+; Rate accurate as of October 13, 2026
Published APR range: 12.24% - 17.99%*.
Credit Score: B 640-699; Loans up to $12,000; APR
As Low As; Effective Date: 10/01/2026; APR=Annual Percentage Rate
- Oct 5, 202612.49%▲ from 11.99%
- Sep 14, 202611.99%first recorded
As Low As
As Low As; APR as low as 12.50% (homepage rate carousel)
Rising Sun Debt Consolidation Loan Rates
Featured rate
No additional details available.
- Oct 11, 20267.20%▲ from 7.08%
- Oct 3, 20267.08%▼ from 7.20%
- Sep 27, 20267.20%▲ from 6.95%
- Sep 24, 20266.95%▼ from 7.08%
No additional details available.
- Oct 11, 20267.24%▲ from 7.11%
- Oct 3, 20267.11%▼ from 7.24%
- Sep 27, 20267.24%▲ from 6.99%
- Sep 24, 20266.99%▼ from 7.11%
As Low As; Maximum loan amount of $10,000; Credit score of 630 and above required; Includes complimentary wellness check-up
Rising Sun Signature Loan Rates
As Low As; Fixed-rate; Maximum Eligible Term column shows 'Fixed-rate' with no term length; Effective Date: 10/1/2026
As Low As; APR up to 14.99%; Other Loans (some restrictions apply); * $20,000 Maximum based on credit worthiness
As Low As; Unsecured Loan Rates
- Oct 5, 20268.00%▲ from 7.60%
- Sep 21, 20267.60%first recorded
Published APR range: 8.49% - 18.00%. Fixed APR range; 8.49% APR available for credit scores 760 or higher; based on credit qualifications
Payment example per $1,000 borrowed: $87.26; APR may be as low as the percentage shown and is subject to loan approval; $35 processing fee for Signature Installment Loans
Up to $18k; As Low As; Rate reflects 730+ FICO 8 credit score; Rates Effective 09/30/2026
Additional qualifications may apply; Rates subject to change and are based on creditworthiness
As Low As; Maximum Term: 36 months
Payment example per $1,000 borrowed: $45.69; APR may be as low as the percentage shown and is subject to loan approval; $35 processing fee for Signature Installment Loans
Rates reflect 1 point reduction in APR for members with Direct Deposit into a PFCU Premier Checking account
As Low As; Up to 24 months; Model Year: 2018 - 2020
- Oct 9, 20269.09%▲ from 8.84%
- Sep 14, 20268.84%first recorded
As Low As; Up to 36 months; Model Year: 2018 - 2020
- Oct 9, 20269.24%▲ from 8.99%
- Sep 14, 20268.99%first recorded
As Low As; Actual rate is determined by credit score
- Sep 17, 20269.25%▲ from 9.00%
- Sep 14, 20269.00%first recorded
As Low As; Actual rate is determined by credit score
- Sep 17, 20269.50%▲ from 9.25%
- Sep 14, 20269.25%first recorded
Payment example per $1,000 borrowed: $32.04; APR may be as low as the percentage shown and is subject to loan approval; $35 processing fee for Signature Installment Loans
Payment example per $1,000 borrowed: $25.25; APR may be as low as the percentage shown and is subject to loan approval; $35 processing fee for Signature Installment Loans
Published APR range: 9.90%-17.90%. APR range as printed: 9.90%-17.90% APR
Rates updated as of 10/9/2026. APR = Annual Percentage Rate. No minimum credit score is required to apply. A credit report will be obtained to determine the rate for which the borrower qualifies. All loans are subject to approval and HHCU lending guidelines. Loan proceeds are deposited into an HHCU savings account and held as collateral until the loan is paid in full. Making payments on time may help build positive credit history; however, HHCU cannot guarantee an increase in a borrower's credit score. Payment Example: $1,000 for a 12 month term at 9.90% APR results in a monthly payment of $87.87.
As Low As; Click to apply!
As Low As; APR's from 9.95% to 18.00%
Unsecured up to $25,000.00; Effective April 1st, 2026
As Low As; APR* as low as 9.99%; Model Year: 2020 - 2023
As Low As; Maximum Term: 48 months
As Low As; 9.99% and up
As Low As; Actual rate is determined by credit score
- Sep 17, 202610.00%▲ from 9.75%
- Sep 14, 20269.75%first recorded
As Low As; Rate is based on member's credit score and the loan term; Other Loans; Effective August 1, 2025
As Low As; Rates as low as 10.00% APR*; No collateral necessary; One predictable monthly payment
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.
- Sep 18, 202610.15%▲ from 9.90%
- Sep 14, 20269.90%first recorded
As Low As; Actual rate is determined by credit score
- Sep 17, 202610.25%▲ from 10.00%
- Sep 14, 202610.00%first recorded
Payment example per $1,000 borrowed: $21.38; APR may be as low as the percentage shown and is subject to loan approval; $35 processing fee for Signature Installment Loans
up to $20,000; Disclosed rate is the lowest rate available. Actual rate will be based on credit score.
As Low As; Actual rate is determined by credit score
- Sep 17, 202610.75%▲ from 10.50%
- Sep 14, 202610.50%first recorded
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.
Published APR range: 10.99%-14.99%. Amount: up to $10K
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; Disclosed rate is the lowest rate available. Actual rate will be based on credit score.
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; Minimum loan amount $500+
up to $20,000; Disclosed rate is the lowest rate available. Actual rate will be based on credit score.
As Low As; Minimum loan amount $5,000+
No additional details available.
As Low As; Amount: $1,500 minimum; Rates based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR
Rising Sun, IN Personal Loan Rate Trends
Compare local Rising Sun, 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 0.078 points over the past 7 days to 10.576% APR.
Indiana signature loan rates fell 0.045 points over the past 7 days to 10.283% APR.
Rising Sun, 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 10.58%, across the terms lenders serving Rising Sun, 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 | $232.05/mo | $162.69/mo | $128.20/mo | $107.66/mo |
| $10,000 | $464.11/mo | $325.38/mo | $256.40/mo | $215.31/mo |
| $15,000 | $696.16/mo | $488.07/mo | $384.60/mo | $322.97/mo |
| $25,000 | $1,160.27/mo | $813.45/mo | $641.00/mo | $538.28/mo |
| $35,000 | $1,624.38/mo | $1,138.83/mo | $897.39/mo | $753.60/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 Rising Sun, 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) | 10.58% | $384.60 | $3,461 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,689 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,224 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,816 |
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 Rising Sun, Indiana
Prequalify With a Soft Credit Check
Most lenders serving Rising Sun, 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 Rising Sun, 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 Rising Sun, Indiana high-yield savings account costs nothing and earns interest instead of paying it
Rising Sun, Indiana Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $385 monthly loan payment is roughly 13.1% of the median individual income in Rising Sun, 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 Rising Sun, 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 to 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 to 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 Rising Sun, 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 Rising Sun, 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 Rising Sun, 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.
Personal Loans for Bad Credit in Rising Sun, Indiana
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
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 Rising Sun, 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?
Can I get a personal loan with bad credit in Rising Sun, Indiana?
What is the maximum APR on a bad credit personal loan from a credit union?
What are the best personal loan rates in Rising Sun, Indiana?
- Afena Federal Credit Union: 6.99% (Debt Consolidation Loans)
- Weatherhead Federal Credit Union: 6.99% (Personal Loan - Special Rate)
- Baxter Credit Union: 6.99% (Personal Loan)
- Hoosier Hills Credit Union: 7.18% (Solar Loan)
- STAR Financial Bank: 7.20% (Debt Free 7 Year Fixed)
Rising Sun, Indiana Rates & Resources
Personal Loan Calculators
