Best Personal Loan Rates in South Bend, Indiana - July 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 South Bend, Indiana include: Credit Union 1 Credit Union Rantoul, ILCredit Union 1 Credit Union Rantoul, IL1234 N Eddy St Ste 101, South Bend, IN, 46617 1477A5.0 ★Texas Ratio: 7.86% offering 2023 - 2024 Loan at 6.24% APR, South Bend Firefighters Federal Credit UnionSouth Bend Firefighters Federal Credit Union1122 S MAIN ST, SOUTH BEND, IN, 46601 3338A+5.0 ★Texas Ratio: 4.66% offering Personal Loans at 6.25% APR, Partners 1st Federal Credit UnionPartners 1st Federal Credit Union53790 Generations Dr, South Bend, IN, 46635A+5.0 ★Texas Ratio: 3.69% offering Loans at 6.50% APR, Notre Dame Federal Credit UnionNotre Dame Federal Credit Union2102 E Ireland Rd, South Bend, IN, 46614A+5.0 ★Texas Ratio: 4.34% offering Equifast Loan at 7.25% APR, and Communitywide Federal Credit UnionCommunitywide Federal Credit Union405 E Ireland Rd, South Bend, IN, 46614 2657B+4.8 ★Texas Ratio: 13.61% offering Personal Loans at 9.99% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
South Bend has 5 local institutions in our database, with personal loan rates as low as 6.24% APR from Credit Union 1 Credit Union Rantoul, IL at 1234 N Eddy St Ste 101, South Bend, IN, 46617 1477. 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 South Bend, Indiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in South Bend, 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 25, 2026
South Bend Personal Loan Rates
As Low As; Model Year: 2023 - 2024
As Low As
As Low As; Model Year: 2023 - 2024
Minimum Loan Amount: $5,000
As Low As; Model Year: 2020 - 2022
As Low As; Model Year: 2020 - 2022
As Low As
As Low As
As Low As
Minimum Loan Amount: $7,000
As Low As; Model Year: 2015 - 2019
As Low As
As Low As; Minimum Loan Amount: $5,000
No additional details available.
As Low As; Model Year: 2015 - 2019
As Low As
As Low As
As Low As
As Low As; Minimum Loan Amount: $7,000
As Low As
As Low As; Minimum Loan Amount: $15,000
As Low As; Model Year: 2014 & Older
As Low As; Fixed
No additional details available.
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If you pay your balance in full each month you will not be charged any interest. You will have the option to pay by mail, by phone, online, or directly from your CW account.
Over $50,000
No additional details available.
No additional details available.
No additional details available.
As Low As; 12.99%
As Low As; 15.74%
As Low As; 15.49%
If you pay your balance in full each month you will not be charged any interest. You will have the option to pay by mail, by phone, online, or directly from your CW account.
As Low As
No additional details available.
Max. amount $5,000
As Low As
As Low As
No additional details available.
No additional details available.
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No additional details available.
As Low As; 16.49%
As Low As
No additional details available.
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As Low As
Over $20,000
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
Collateral: 2019 - 2026; Loan Type: Fixed
No additional details available.
As low as*
As Low As;*
No additional details available.
No additional details available.
Over $20,000
No additional details available.
As Low As
No additional details available.
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As Low As
As low as*
As low as*
No additional details available.
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As Low As
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
APR* as low as
Collateral: 2020 - 2026; Loan Type: Fixed
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
Rates are subject to change without notice.
As Low As; APR*
No additional details available.
Collateral: 2023 - 2026; Loan Type: Fixed
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
Over $25,000
APR* as low as
APR* as low as
As low as 5.99% Rate/ 6.115% APR. Your rate/ APR may be higher based on your individual factors. APR is based on a 700+ credit score for 60 month term with loan amount of $25,075 and includes $75 doc fee. Scores 650-699 as low as 6.99% rate/7.615% APR. Add 0.25% for 72 months and 0.50% for 84 months. New or used models; purchase or refinance. Loans must be new to CLFCU; for internal refinances, must add $5,000+ new funds to qualify. CLFCU membership required for all borrowers. Must have active CLFCU checking account and set-up automatic payment from CLFCU checking account. Otherwise add 0.50% without automatic payment from CLFCU checking account. Relationship pricing does not apply. Subject to CLFCU lending policy. Some restrictions apply. Subject to change or withdrawal without notice. As of 7/14/26. Limited time only.
No additional details available.
No additional details available.
As Low As
Collateral: 2017 - 2018; Loan Type: Fixed
No additional details available.
Credit Score: 720 & Higher
APR* as low as
Credit Score: 720 & Higher
Credit Score: 720 & Higher
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Credit Score: 720 & Higher
Collateral: 2024 - 2026; Loan Type: Fixed
No additional details available.
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No additional details available.
No additional details available.
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No additional details available.
Credit Score: 720 & Higher
Credit Score: 720 & Higher
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
APR* as low as
No additional details available.
Rates are subject to change without notice.
Rates are subject to change without notice.
Credit Score: 720 & Higher
Credit Score: 720 & Higher
Credit Score: 720 & Higher
Qualifications Required: Required Checking account and Direct Deposit (minimum $1,000 per month for life of the loan); Setup of direct deposit or auto payment is required.; Fixed; Guaranteed approval for at least $500; Borrow up to $3,500; Rate shown reflects lowest possible rate and term up to 24-months; 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.
No additional details available.
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As Low As
No additional details available.
Credit Score: 720 & Higher
Credit Score: 720 & Higher
No additional details available.
No additional details available.
No additional details available.
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No additional details available.
Credit Score: 720 & Higher
As Low As
As Low As; Model years 2015-2027. 2014 and older add 1.50% to rate
As Low As
No additional details available.
No additional details available.
No additional details available.
Credit Score: 700-719
South Bend Personal Loan Rates
As Low As
As Low As; Fixed
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
South Bend Debt Consolidation Loan Rates
No additional details available.
No additional details available.
No additional details available.
South Bend Signature Loan Rates
As Low As; 12.99%
As Low As; 15.74%
As Low As; 15.49%
South Bend, IN Personal Loan Rate Trends
Compare local South Bend, 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 0.220 points over the past 7 days to 10.692% APR.
Indiana signature loan rates fell 0.098 points over the past 7 days to 11.990% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our South Bend, 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 South Bend, 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 South Bend, 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 South Bend, Indiana?
What are the best personal loan rates in South Bend, Indiana?
- Credit Union 1 Credit Union Rantoul, IL: 6.24% (2023 - 2024 Loan)
- South Bend Firefighters Federal Credit Union: 6.25% (Personal Loans)
- Partners 1st Federal Credit Union: 6.50% (Loans)
- Notre Dame Federal Credit Union: 7.25% (Equifast Loan)
- Communitywide Federal Credit Union: 9.99% (Personal Loans)
Personal Loan Calculators
