Best Personal Loan Rates in Gilbertville, Iowa - 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 Gilbertville, Iowa include: Sioux Valley Community Credit UnionSioux Valley Community Credit UnionC+4.1 ★Texas Ratio: 25.21% offering 2018 and Older Loan at 4.35% APR, Community 1st Credit Union Ottumwa, IACommunity 1st Credit Union Ottumwa, IAB-4.3 ★Texas Ratio: 21.04% offering Consumer (Model Year: 2023-2026; Terms up to 48 months) Loan at 4.59% APR, Unite Credit UnionUnite Credit UnionA+5.0 ★Texas Ratio: 1.32% offering Up to 48 Months Loan at 4.74% APR, Dupaco Community Credit UnionDupaco Community Credit UnionA+5.0 ★Texas Ratio: 3.94% offering 2023-26 Model Year Loan at 4.99% APR, and Aim Credit UnionAim Credit UnionA+5.0 ★Texas Ratio: 5.19% offering 3 Years Loan at 5.24% APR. Personal loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Gilbertville borrowers have access to 24 lenders serving the Iowa area, with personal loan rates as low as 4.35% APR from Sioux Valley Community Credit Union. 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 Gilbertville, Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Gilbertville, 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: July 16, 2026
Gilbertville Personal Loan Rates
As Low As; *Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
As Low As; *Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
As Low As; *
Relationship Rate; As low as APR*
As Low As; *
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As Low As
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
As low as APR*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As low as APR*
Relationship Rate: 4.84%*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As Low As; *
As Low As
Relationship Rate: 4.94%*
As low as APR*
100% of NADA Retail (RTL); As low as APR*
No additional details available.
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As Low As
100% of NADA Retail (RTL); As low as APR*
As low as APR*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As low as APR*
As low as APR*
Relationship Rate: 5.14%*
As low as APR*
As Low As
As Low As
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
100% of NADA Retail (RTL); As low as APR*
100% of NADA Retail (RTL); As low as APR*
As low as APR*
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
No additional details available.
As Low As; Loan Amount: $20,000.00
As Low As; Loan Amount: $20,000.00
As Low As
100% of NADA Retail (RTL); As low as APR*
As low as APR*
No additional details available.
As Low As; Loan Amount: $20,000.00
As Low As; Loan Amount: $20,000.00
As Low As; *
100% of NADA Retail (RTL); As low as APR*
As low as APR*
As Low As
No additional details available.
No additional details available.
A payment example of $300,000 5-year balloon at 5.375% is $1,680.00. Payment example does not include taxes or insurance.
As Low As
No additional details available.
No additional details available.
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
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
No additional details available.
No additional details available.
No additional details available.
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As Low As; Loyalty APR: 5.59%
As Low As
As Low As; *
As Low As; Loan Amount: $20,000.00
No additional details available.
As Low As; Loan Amount: $20,000.00
As Low As; Loyalty APR: 5.79%
As Low As
As Low As; Loan Amount: $20,000.00
As Low As; Year: NEW
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
No additional details available.
As Low As; Year: 2023-2025
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%
Fixed Rates APR effective 10/1/2025. Rates subject to change without notice.
No additional details available.
No additional details available.
$12
As low as
As Low As; Year: 2020 - 2022
As Low As; *
Under $25,000
No additional details available.
As Low As
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
No additional details available.
over $20,000
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
As Low As
As Low As
As Low As; *
Over $25,000
No additional details available.
As Low As
As Low As; Loan Amount: $20,000.00
Fixed Rates APR effective 10/1/2025. Rates subject to change without notice.
Credit Score: 700+
No additional details available.
$12
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
over $20,000
As Low As
As low as APR*
No additional details available.
As Low As; Year: 2016 - 2019
As Low As
As low as APR*
Relationship Rate; As low as APR*
As Low As; APR*
As Low As
No additional details available.
over $20,000
As low as ***
As Low As;*
As Low As; (fixed)
Relationship Rate: 8.35%*
As low as APR*
As Low As;*
As Low As
As Low As; Special APR: 6.47%
As Low As; Special APR: 6.46%
As Low As; Special APR: 6.56%
As Low As; Money for anything you can imagine. (Fixed term)
As Low As;*
$12
As Low As; Actual Rate you receive is based on your credit score and term.
As Low As; Special APR: 6.68%
Loyalty APR: 8.85%
As Low As; Special APR: 6.67%
Gilbertville Personal Loan Rates
As Low As
As Low As
As Low As; APR*
Gilbertville Debt Consolidation Loan Rates
Gilbertville Signature Loan Rates
As Low As; Actual Rate you receive is based on your credit score and term.
Gilbertville, IA Personal Loan Rate Trends
Compare local Gilbertville, IA 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 fell 0.028 points over the past 7 days to 12.110% APR.
Iowa signature loan rates fell 0.184 points over the past 7 days to 11.809% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Gilbertville, 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 Gilbertville, 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 Gilbertville, 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 Gilbertville, Iowa?
What are the best personal loan rates in Gilbertville, Iowa?
- Sioux Valley Community Credit Union: 4.35% (2018 and Older Loan)
- Community 1st Credit Union Ottumwa, IA: 4.59% (Consumer (Model Year: 2023-2026; Terms up to 48 months) Loan)
- Unite Credit Union: 4.74% (Up to 48 Months Loan)
- Dupaco Community Credit Union: 4.99% (2023-26 Model Year Loan)
- Aim Credit Union: 5.24% (3 Years Loan)
Personal Loan Calculators
