Best Personal Loan Rates in Massachusetts - 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 Massachusetts include: TrustCo BankTrustCo Bank5 Cheshire Rd, Pittsfield, MA, 01201A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit Union100 Boston Scientific Way, Marlborough, MA, 01752A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, Newburyport BankNewburyport Bank63 State St, Newburyport, MA, 01950A5.0 ★Texas Ratio: 8.70% offering Credit Building - A Loan to Help Rebuild Your Credit at 5.00% APR, First Citizens Federal Credit UnionFirst Citizens Federal Credit Union468 COUNTY ST, NEW BEDFORD, MA, 02740A+5.0 ★Texas Ratio: 2.19% offering Personal Loan at 5.00% APR, and Notre Dame Community Federal Credit UnionNotre Dame Community Federal Credit Union659 Eastern Ave, Fall River, MA, 02723A+5.0 ★Texas Ratio: 1.51% offering Spring Loan Special at 5.25% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Massachusetts side-by-side. Massachusetts personal loan rates currently start as low as 4.00% APR from TrustCo Bank at 5 Cheshire Rd, Pittsfield, MA, 01201. 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 Massachusetts.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Massachusetts. 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 29, 2026
Massachusetts Personal Loan Rates
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Maximum loan amount $2,500
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As Low As; Maximum of $1,500.00
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APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and/or through all application channels or platforms.
Model Year: 2026
Model Year: 2023-2026
$2,000 Maximum
Subject to credit approval.
No additional details available.
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Model Year: 2023-2026
As Low As; **
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Model Year: 2023-2026
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Model Year: 2020-2022
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As Low As; Fixed; Terms from 36 to 84 months with Direct Deposit
As Low As; Fixed
Rates as low as APR1
Non-Owner Occupied/Investment Property
Model Year: 2020-2022
Platinum 740+
No additional details available.
Break free from debt.
As Low As
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Model Year: 2020-2022
with auto pay
FIXED APR WITH AUTO PAY
As Low As
As Low As; Number of Signatures: 1
or 10.0% APR*; Up to 106.25% financing available for qualified members, terms available with certain restrictions and nominal rate increase; Rates are Annual Percentage Rate (APR); Rates and terms are subject to change without notice; Rates are based on the term of loan and credit history
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As Low As; to $3,000
As low as; Click Here
A 720-739
No additional details available.
As Low As; Rates effective as of 12/30/2023. Maximum loan amount $25,000.00. Advances must be a minimum of $1,000.00.
Estimated Payment per $1,000.00 is $17.54 based on 72 months 7.75% APR* with Direct Deposit Auto Pay; Estimated Payment per $1,000.00 is $17.42 based on 72 months
Estimated Payment per $1,000.00 is $24.42 based on 48 months 7.75% APR* with Direct Deposit Auto Pay; Estimated Payment per $1,000.00 is $24.31 based on 48 months
Per Collateral Review
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Rates Starting At: *
As Low As; Maximum $3,000
As Low As; Fixed; Terms from 24 to 72 months with Direct Deposit
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As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay. Individual borrower limits subject to approval. Longer terms available for qualified borrowers. $10,000 Maximum Loan Limit for qualified borrowers. All rates are subject to change without notice.
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As low as; Maximum $2,400
Index: 1 YR Treasury; CAP: 2/6; Column: +4.750%
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Model Year: 2017-2019
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Call or Visit a Branch to Apply
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Up to $10,000; CU will pay vendors directly; current SMEFCU Loans are not eligible
FIXED
B 700-719
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As Low As; Start your journey with a $500 Credit Builder Loan.
Index: 1 YR Treasury; CAP: 2/6; Column: +5.000%
Model Year: 2012-2016
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As Low As
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay. Individual borrower limits subject to approval. Longer terms available for qualified borrowers. $10,000 Maximum Loan Limit for qualified borrowers. All rates are subject to change without notice.
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Apply in person at a Cape Cod 5 Banking Center
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C 680-699
up to $2500; Subject to credit approval.
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Up to $10,000; CU will pay vendors directly; current SMEFCU Loans are not eligible
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As Low As; to $15,000
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As Low As; Max Loan Amount: $25,000.00; Min. Down Payment:
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FICO: 790+
As Low As; Maximum Term = 48 months.
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay. Individual borrower limits subject to approval. Longer terms available for qualified borrowers. $10,000 Maximum Loan Limit for qualified borrowers. All rates are subject to change without notice.
Maximum term to 36 months
FICO: 720 -789
FICO Score: 790+
$2501; Subject to credit approval.
Cost Per Thousand: $88.37
As Low As; Cost Per Thousand: $88.37
D 660-679
As Low As; Minimum Payment: 3.00% of total balance or $25.00 (greater amount). First Card is free, $25 Replacement Cost.
As Low As; to $15,000
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FICO: 670 - 719
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Minimum & maximum loan amount: $1,000-$20,000
Risk > 700; Maximum Amount: $10,000
Rates Starting At: *
FICO: 630 - 669
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Maximum term to 48 months - Over $5000 with 2 signatures from same household
Direct Deposit AutoPay - Up to 60 Months; Fixed
As Low As
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Up To $10,000
As Low As; Maximum $15,000
Loan Amount: $5,000.00
Without Direct Deposit AutoPay; Fixed
Massachusetts Personal Loan Rates
No additional details available.
APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and/or through all application channels or platforms.
As Low As
No additional details available.
FIXED APR WITH AUTO PAY
or 10.0% APR*; Up to 106.25% financing available for qualified members, terms available with certain restrictions and nominal rate increase; Rates are Annual Percentage Rate (APR); Rates and terms are subject to change without notice; Rates are based on the term of loan and credit history
As Low As; Number of Signatures: 1
As Low As
As low as; Click Here
No additional details available.
As Low As; Rates effective as of 12/30/2023. Maximum loan amount $25,000.00. Advances must be a minimum of $1,000.00.
As Low As; Fixed; Terms from 24 to 72 months with Direct Deposit
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As Low As
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up to $2500; Subject to credit approval.
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As Low As; Maximum Term = 48 months.
Maximum term to 36 months
No additional details available.
$2501; Subject to credit approval.
Cost Per Thousand: $88.37
As Low As; Cost Per Thousand: $88.37
Risk > 700; Maximum Amount: $10,000
Minimum & maximum loan amount: $1,000-$20,000
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Rates Starting At: *
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Maximum term to 48 months - Over $5000 with 2 signatures from same household
As Low As
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Loan Amount: $5,000.00
Massachusetts Debt Consolidation Loan Rates
As Low As; to $15,000
FICO Score: 790+
FICO Score: 720 -789
No additional details available.
$15,000 Maximum
FICO Score: 670 - 719
No additional details available.
FICO Score: 630 - 669
FICO Score: 500 - 629
Massachusetts Signature Loan Rates
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay. Individual borrower limits subject to approval. Longer terms available for qualified borrowers. $10,000 Maximum Loan Limit for qualified borrowers. All rates are subject to change without notice.
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay. Individual borrower limits subject to approval. Longer terms available for qualified borrowers. $10,000 Maximum Loan Limit for qualified borrowers. All rates are subject to change without notice.
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay. Individual borrower limits subject to approval. Longer terms available for qualified borrowers. $10,000 Maximum Loan Limit for qualified borrowers. All rates are subject to change without notice.
As Low As; to $15,000
Massachusetts Personal Loan Rate Trends
Compare local Massachusetts 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.
Massachusetts personal loan rates currently average 11.840% APR.
Massachusetts signature loan rates rose 0.017 points over the past 7 days to 11.002% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Massachusetts 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 Massachusetts 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 Massachusetts. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MA.
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 Massachusetts?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Massachusetts?
Are credit unions or banks better for personal loans in Massachusetts?
What are the best personal loan rates in Massachusetts?
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Newburyport Bank: 5.00% (Credit Building - A Loan to Help Rebuild Your Credit)
- First Citizens Federal Credit Union: 5.00% (Personal Loan)
- Notre Dame Community Federal Credit Union: 5.25% (Spring Loan Special)
