Bethlehem, Maryland Best Personal Loan Rates - August 2026
Brian McKay
Brian McKay
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Current personal loan options available to borrowers in Bethlehem, Maryland include: Freedom Of Maryland Federal Credit UnionFreedom Of Maryland Federal Credit UnionA5.0 ★Texas Ratio: 8.78% offering Debt Consolidation Loan at 4.99% APR, Har-co Credit UnionHar-co Credit UnionA5.0 ★Texas Ratio: 7.51% offering Personal Loan at 5.74% APR, Aberdeen Proving Ground FCUAberdeen Proving Ground FCUA+5.0 ★Texas Ratio: 5.98% offering Personal Loan at 6.49% APR, InFirst Federal Credit UnionInFirst Federal Credit UnionA+5.0 ★Texas Ratio: 3.43% offering Personal Loan at 6.99% APR, and Signal Financial Federal Credit UnionSignal Financial Federal Credit UnionA+5.0 ★Texas Ratio: 3.40% offering Signature Loan at 6.99% APR. Personal loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Bethlehem borrowers have access to 48 lenders serving the Maryland area, with personal loan rates as low as 4.99% APR from Freedom Of Maryland Federal 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 Bethlehem, Maryland.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Bethlehem, Maryland. 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: August 28, 2026
Bethlehem Personal Loan Rates
Rate quoted based on 36 month term, $500 up to $30,000 for an Anything Loan or borrow $1,000 up to $30,000 for a Debt Consolidation Loan.
As Low As
Includes .25% auto pay rate discount.
As Low As
As Low As
Loan amounts of $500 - $30,000
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
Personal Loan
No additional details available.
As Low As; quick funding, no application fees, and no payment for 45 days.
No additional details available.
As low as; Maximum APR: 18.00%. Rates include discounts for automatic payment and Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount Financed: up to $20,000
As Low As
As Low As
No additional details available.
No additional details available.
Includes .25% auto pay rate discount.
No additional details available.
No additional details available.
Rates start as low as; The rate is determined by your credit score. Your APR will never fall below our current floor rate of 3.5% and will never be greater than 18%.
As Low As; Fixed
Loan amounts of $5,000 - $30,000
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As low as with Rewards
No additional details available.
Includes .25% auto pay rate discount.
As Low As
No additional details available.
As Low As; Fixed
Loan Amount: $500 min. APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
As low as; Min. APR for variable rate unsecured financing is 6.00% (except for promotions).
Fixed APR as low as; All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
As Low As
Up to $5,000 per signature
As low as; Min. APR for variable rate unsecured financing is 6.00% (except for promotions).
No additional details available.
As low as; Min. APR for variable rate unsecured financing is 6.00% (except for promotions).
Includes a 0.5% discount for enrolling in automatic payments. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. If you are a Citi banking Relationship Tier customer at the time of application, you may be eligible for an APR discount. If multiple relationship-based discounts are available, whether based on a Citi banking Relationship Tier or a qualifying credit card relationship, only the highest discount will apply. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
($500-$30,000*)
As Low As
Includes .25% auto pay rate discount.
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As; Fixed
No additional details available.
As Low As
No additional details available.
Includes .25% auto pay rate discount.
Payment Example ($20,000 Loan Amount): 60 Payments of $431.76
As Low As; Fixed
As Low As; $500 min.
$500; As Low As; $500 min.
No additional details available.
As Low As
No additional details available.
As Low As; Fixed
As Low As
($2,500-$30,000*)
No additional details available.
As Low As
As Low As; >$10,000
As Low As
No additional details available.
As Low As; $5000 min.
$5000; As Low As; $5000 min.
No additional details available.
Loan Amount: $2,000 min. APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
As Low As; $10,000 min.
$10,000; As Low As; $10,000 min.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; *
($5,000-$30,000*)
As Low As
Payment Example ($20,000 Loan Amount): 84 Payments of $349.75
No additional details available.
As Low As
As Low As
Annual Percentage Rate varies depending on individual credit history, term length and percentage of purchase price. The rate displayed is the lowest rate and not all applicants qualify for the lowest rate. A personal loan payment based on $5,000 at 11.85% APR for 4 years will have a monthly payment of $131.33.
As Low As; Example: $7,500 loan, monthly payment will be $249.07 for 36 months at 11.99%. Other rates and terms available. Rates may change without notice. All loans subject to credit approval.
As Low As
No additional details available.
For anyone interested in a quick and easy loan.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; $1,000 minimum loan amount. $20.00 processing fee.
For anyone interested in a quick and easy loan. All personal loans that are approved in the amount of $2,999.00 or less will be granted at an 18.00% APR.
As Low As
Bethlehem Personal Loan Rates
As Low As
Includes .25% auto pay rate discount.
As Low As
Loan amounts of $500 - $30,000
No additional details available.
As Low As
No additional details available.
As Low As
Personal Loan
No additional details available.
As Low As; quick funding, no application fees, and no payment for 45 days.
As Low As
Includes .25% auto pay rate discount.
No additional details available.
Rates start as low as; The rate is determined by your credit score. Your APR will never fall below our current floor rate of 3.5% and will never be greater than 18%.
As Low As; Fixed
Loan amounts of $5,000 - $30,000
No additional details available.
As Low As
As low as with Rewards
Includes .25% auto pay rate discount.
As Low As
No additional details available.
As Low As; Fixed
As Low As
Up to $5,000 per signature
Includes a 0.5% discount for enrolling in automatic payments. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. If you are a Citi banking Relationship Tier customer at the time of application, you may be eligible for an APR discount. If multiple relationship-based discounts are available, whether based on a Citi banking Relationship Tier or a qualifying credit card relationship, only the highest discount will apply. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
As Low As
As Low As
No additional details available.
($500-$30,000*)
Includes .25% auto pay rate discount.
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As; Fixed
Includes .25% auto pay rate discount.
As Low As; Fixed
As Low As
No additional details available.
As Low As; Fixed
($2,500-$30,000*)
No additional details available.
As Low As
As Low As; >$10,000
As Low As
No additional details available.
As Low As
As Low As; *
($5,000-$30,000*)
As Low As
No additional details available.
As Low As
Annual Percentage Rate varies depending on individual credit history, term length and percentage of purchase price. The rate displayed is the lowest rate and not all applicants qualify for the lowest rate. A personal loan payment based on $5,000 at 11.85% APR for 4 years will have a monthly payment of $131.33.
No additional details available.
As Low As
As Low As
As Low As
Bethlehem Debt Consolidation Loan Rates
Rate quoted based on 36 month term, $500 up to $30,000 for an Anything Loan or borrow $1,000 up to $30,000 for a Debt Consolidation Loan.
No additional details available.
No additional details available.
No additional details available.
Bethlehem Signature Loan Rates
As Low As
No additional details available.
As Low As
As low as; Maximum APR: 18.00%. Rates include discounts for automatic payment and Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount Financed: up to $20,000
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
Loan Amount: $500 min. APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
As low as; Min. APR for variable rate unsecured financing is 6.00% (except for promotions).
Fixed APR as low as; All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
As low as; Min. APR for variable rate unsecured financing is 6.00% (except for promotions).
As low as; Min. APR for variable rate unsecured financing is 6.00% (except for promotions).
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
Payment Example ($20,000 Loan Amount): 60 Payments of $431.76
As Low As; $500 min.
$500; As Low As; $500 min.
No additional details available.
No additional details available.
As Low As
As Low As; >$10,000
As Low As
As Low As; $5000 min.
$5000; As Low As; $5000 min.
No additional details available.
Loan Amount: $2,000 min. APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
As Low As; $10,000 min.
$10,000; As Low As; $10,000 min.
No additional details available.
Payment Example ($20,000 Loan Amount): 84 Payments of $349.75
As Low As
As Low As; Example: $7,500 loan, monthly payment will be $249.07 for 36 months at 11.99%. Other rates and terms available. Rates may change without notice. All loans subject to credit approval.
As Low As
For anyone interested in a quick and easy loan.
As Low As
As Low As
As Low As; $1,000 minimum loan amount. $20.00 processing fee.
For anyone interested in a quick and easy loan. All personal loans that are approved in the amount of $2,999.00 or less will be granted at an 18.00% APR.
Bethlehem, MD Personal Loan Rate Trends
Compare local Bethlehem, MD 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.
Maryland personal loan rates rose 0.601 points over the past 7 days to 10.921% APR.
Maryland signature loan rates rose 1.709 points over the past 7 days to 10.952% APR.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current Nat'l average personal loan APR of 10.92%, across the terms lenders serving Bethlehem, Maryland most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.86/mo | $163.51/mo | $129.04/mo | $108.52/mo |
| $10,000 | $465.71/mo | $327.01/mo | $258.07/mo | $217.03/mo |
| $15,000 | $698.57/mo | $490.52/mo | $387.11/mo | $325.55/mo |
| $25,000 | $1,164.28/mo | $817.54/mo | $645.18/mo | $542.58/mo |
| $35,000 | $1,629.99/mo | $1,144.55/mo | $903.25/mo | $759.61/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Bethlehem, Maryland
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the Nat'l personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan — Nat'l average | 10.92% | $387.11 | $3,581 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,569 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,103 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,695 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average — check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
About Our Bethlehem, Maryland Personal Loan Rate Database
Our Bethlehem, Maryland tables currently track 48 banks and credit unions offering personal, debt consolidation, and signature loans to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so what you compare here is what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified personal loan APR in our Bethlehem, Maryland database right now is 4.99% APR from Freedom Of Maryland Federal Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.
How to Get the Best Personal Loan Rate in Bethlehem, Maryland
Prequalify With a Soft Credit Check
Most lenders serving Bethlehem, Maryland will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying — the advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Maryland data, and many charge no origination fee. Membership is usually easier than expected — many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle → a secured Bethlehem, Maryland auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity → compare home equity rates, though your home becomes collateral
- Not urgent → building the money in a Bethlehem, Maryland high-yield savings account costs nothing and earns interest instead of paying it
Maryland Financial Snapshot
Local demographics and economic context for borrowers — Source: U.S. Census Bureau (state-level data shown — city data not available)
A $387 monthly loan payment is roughly 8.2% of the median individual income in Maryland. Lenders generally want your total monthly debt payments — including housing — to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Bethlehem, Maryland.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid — fixed | ✗ Highest — variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks — appraisal and closing |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt — missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current Nat'l average — or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds — you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bethlehem, Maryland 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 Bethlehem, Maryland 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 Bethlehem, Maryland. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MD.
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 Maryland?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Maryland?
Are credit unions or banks better for personal loans in Bethlehem, Maryland?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Bethlehem, Maryland?
- Freedom Of Maryland Federal Credit Union: 4.99% (Debt Consolidation Loan)
- Har-co Credit Union: 5.74% (Personal Loan)
- Aberdeen Proving Ground FCU: 6.49% (Personal Loan)
- InFirst Federal Credit Union: 6.99% (Personal Loan)
- Signal Financial Federal Credit Union: 6.99% (Signature Loan)
Bethlehem, Maryland Rates & Resources
Personal Loan Calculators
