Best Personal Loan Rates in Lenox, 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 Lenox, Iowa include: 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, Journey Credit UnionJourney Credit UnionA+5.0 ★Texas Ratio: 5.54% offering 2024 & Newer Loan at 4.94% APR, Unite Credit UnionUnite Credit UnionA+5.0 ★Texas Ratio: 1.32% offering Up to 60 Months Loan at 5.39% APR, R.I.A. Federal Credit UnionR.I.A. Federal Credit UnionA5.0 ★Texas Ratio: 6.26% offering 2017-2019 Loan at 5.49% APR, and First Security B&T Co. IAFirst Security B&T Co. IAA5.0 ★Texas Ratio: 9.82% offering 2024 or Newer Loan at 5.56% APR. Personal loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Lenox borrowers have access to 28 lenders serving the Iowa area, with personal loan rates as low as 4.59% APR from Community 1st Credit Union Ottumwa, IA. 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 Lenox, Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lenox, 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 11, 2026
Lenox Personal Loan Rates
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Relationship Rate: 5.34%*
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Rates may vary based on term and credit qualifications. See credit union for details.
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For $20,000, the monthly payment will be approximately $229.00.
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$12
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As Low As; Loyalty APR: 6.54%
Under $25,000
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over $20,000
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Rates may vary based on term and credit qualifications. See credit union for details.
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Over $25,000
Rates subject to change. See loan officer for details.
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Credit Score: 700+
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over $20,000
Rates subject to change. See loan officer for details.
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over $20,000
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Relationship Rate: 8.35%
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Under $25,000
over $20,000
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Relationship Rate: 9.35%
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$5,000
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As Low As; Rate based on $5,000 loan amount for 60 months with a monthly payment of $109.34. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
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Lenox Personal Loan Rates
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Lenox Debt Consolidation Loan Rates
Lenox Signature Loan Rates
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Lenox, IA Personal Loan Rate Trends
Compare local Lenox, 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 rose 0.306 points over the past 7 days to 12.445% APR.
Iowa signature loan rates rose 0.368 points over the past 7 days to 12.361% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lenox, 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 Lenox, 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 Lenox, 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 Lenox, Iowa?
What are the best personal loan rates in Lenox, Iowa?
- Community 1st Credit Union Ottumwa, IA: 4.59% (Consumer (Model Year: 2023-2026; Terms up to 48 months) Loan)
- Journey Credit Union: 4.94% (2024 & Newer Loan)
- Unite Credit Union: 5.39% (Up to 60 Months Loan)
- R.I.A. Federal Credit Union: 5.49% (2017-2019 Loan)
- First Security B&T Co. IA: 5.56% (2024 or Newer Loan)
Personal Loan Calculators
