Best Personal Loan Rates in Iowa - 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 Iowa include: Aim Credit UnionAim Credit Union1200 Associates Dr, Dubuque, IA, 52002 2282A+5.0 ★Texas Ratio: 5.19% offering 2 Years Loan at 3.99% APR, Sioux Valley Community Credit UnionSioux Valley Community Credit Union1120 6th St, Sioux City, IA, 51101 1908C+4.1 ★Texas Ratio: 25.21% offering 2018 and Older Loan at 4.35% APR, Community Choice Credit Union Johnston, IACommunity Choice Credit Union Johnston, IA8404 nw 62nd ave, Johnston, IA, 50131A+5.0 ★Texas Ratio: 2.96% offering 2024 Loan at 4.52% APR, Community 1st Credit Union Ottumwa, IACommunity 1st Credit Union Ottumwa, IA739 Pennsylvania Ave, Ottumwa, IA, 52501B-4.3 ★Texas Ratio: 21.04% offering Consumer Loan at 4.75% APR, and Unite Credit UnionUnite Credit Union802 W 29th St, Cedar Falls, IA, 50613 5022A+5.0 ★Texas Ratio: 1.32% offering Up to 60 Months Loan at 4.84% APR. Personal loan rates as of June 23, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Iowa side-by-side. Iowa personal loan rates currently start as low as 3.99% APR from Aim Credit Union at 1200 Associates Dr, Dubuque, IA, 52002 2282. 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 Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Iowa. 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 23, 2026
Iowa Personal Loan Rates
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As Low As; APR*
As Low As; APR*
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
No additional details available.
As Low As; *
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Relationship Rate; As low as APR*
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
Relationship Rate; As low as APR*
No additional details available.
No additional details available.
As Low As
No additional details available.
APR*
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
Relationship Rate; As low as APR*
As low as APR*
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Relationship Rate; As low as APR*
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
As Low As
As Low As
As low as APR*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
No additional details available.
No additional details available.
No additional details available.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
As Low As; Relationship Rate: 5.04%*
Relationship Rate; As low as APR*
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Relationship Rate: 5.14%*
As low as APR*
As Low As; Relationship Rate: 5.14%*
As Low As
As Low As
As Low As
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
No additional details available.
As low as APR*
As low as APR*
No additional details available.
No additional details available.
APR*
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Term: 66
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Term: 60
Loan Amount: $25,000
As Low As
As Low As
As Low As; Relationship Rate: 5.34%*
As low as APR*
No additional details available.
As Low As; Term: 48
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Term: 36
As low as APR*
As low as APR*
As Low As; *
No additional details available.
No additional details available.
No additional details available.
Balloon loan; Rate can reset at the end of the initial period based on market interest rates. A recalculation of the amortization schedule, based on a new rate and term is done at the time the initial term matures or expires. Some closing fees apply at the time of resetting the interest rate and amortization.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
No additional details available.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
No additional details available.
Balloon loan; Rate can reset at the end of the initial period based on market interest rates. A recalculation of the amortization schedule, based on a new rate and term is done at the time the initial term matures or expires. Some closing fees apply at the time of resetting the interest rate and amortization.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
80% loan-to-value ratio, Refinanced (existing loans) must add an additional $5,000 to receive this rate **Up to 180 months with 66 month balloon for loans over $15,000; APR*
APR*
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Interest Rate
Balloon loan; Rate can reset at the end of the initial period based on market interest rates. A recalculation of the amortization schedule, based on a new rate and term is done at the time the initial term matures or expires. Some closing fees apply at the time of resetting the interest rate and amortization.
As Low As; Loyalty APR: 5.59%
As Low As
As Low As
No additional details available.
As Low As
As Low As; Term: 60
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Term: 48
As Low As; Loyalty APR: 5.79%
As Low As
As Low As; Term: 36
APR* as low as
Loan Amount: $20,000
APR*
APR*
No additional details available.
No additional details available.
APR* as low as
For $20,000, the monthly payment will be approximately $229.00.
No additional details available.
As Low As
As Low As; Loyalty APR: 6.34%
APR effective 10/1/2025
No additional details available.
No additional details available.
No additional details available.
No additional details available.
$12
APR* as low as
Under $25,000
No additional details available.
As Low As
APR*
No additional details available.
As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
As Low As
APR*
Iowa Personal Loan Rates
As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
Iowa Debt Consolidation Loan Rates
Iowa Signature Loan Rates
Iowa Personal Loan Rate Trends
Compare local Iowa 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.
Iowa personal loan rates rose 0.050 points over the past 7 days to 11.356% APR.
Iowa signature loan rates currently average 11.627% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Iowa 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 Iowa 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 Iowa. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in IA.
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 Iowa?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Iowa?
Are credit unions or banks better for personal loans in Iowa?
What are the best personal loan rates in Iowa?
- Aim Credit Union: 3.99% (2 Years Loan)
- Sioux Valley Community Credit Union: 4.35% (2018 and Older Loan)
- Community Choice Credit Union Johnston, IA: 4.52% (2024 Loan)
- Community 1st Credit Union Ottumwa, IA: 4.75% (Consumer Loan)
- Unite Credit Union: 4.84% (Up to 60 Months Loan)
