Best Personal Loan Rates in South Bend, Indiana - June 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 Credit Saver Loan at 5.00% APR, Partners 1st Federal Credit UnionPartners 1st Federal Credit Union53790 Generations Dr, South Bend, IN, 46635A+5.0 ★Texas Ratio: 3.69% offering 2026 Model Year Loan at 5.49% 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, Policemens Federal Credit UnionPolicemens Federal Credit Union1130 S Main St, South Bend, IN, 46601 3338A+5.0 ★Texas Ratio: 0.46% offering Recreational Loan at 7.00% APR, and 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. Personal loan rates as of June 9, 2026 according to verified data from MonitorBankRates.
South Bend has 6 local institutions in our database, with personal loan rates as low as 5.00% 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: June 9, 2026
South Bend Personal Loan Rates
This APR will vary with the market based on the dividend rate.
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MAX 72 months
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NO annual fee
MAX 48 months
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As Low As; 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
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NO annual fee
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As Low As; As low as 12.99% APR
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As Low As; 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.
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Max. amount $5,000
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Rates are subject to change without notice. APR*
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As Low As; Purchase: 6.125% for 30-Year Fixed
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Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
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Qualifications Required: Proof of employment is required; Setup of direct deposit or auto payment is required; Active membership account is required; Required Checking account and Direct Deposit (minimum $1,000 per month for life of the loan)
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Special introductory variable rate as low as Prime minus 1.51% for 9 months from the date of account opening. Currently 5.99% APR. After the 9 months, the rate will be the standard approved variable rate, currently ranging between 7.50% to 14.85% APR. Rates will fluctuate based on changes to the index rate. Excellent credit is required to qualify for the lowest rates.
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South Bend Personal Loan Rates
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South Bend Debt Consolidation Loan Rates
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South Bend Signature Loan Rates
MAX 48 months
As Low As; As low as 12.99% APR
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As Low As; As low as 15.49% APR
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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 currently average 10.470% APR.
Indiana signature loan rates currently average 11.495% 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: 5.00% (Credit Saver Loan)
- Partners 1st Federal Credit Union: 5.49% (2026 Model Year Loan)
- South Bend Firefighters Federal Credit Union: 6.25% (Personal Loans)
- Policemens Federal Credit Union: 7.00% (Recreational Loan)
- Notre Dame Federal Credit Union: 7.25% (Equifast Loan)
Personal Loan Calculators
