Best Personal Loan Rates in Massachusetts (MA) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Massachusetts borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
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: 7.73% offering Credit Builder Loan at 4.50% APR, Pentucket BankPentucket Bank1 Merrimack St, Haverhill, MA, 01830A+5.0 ★Texas Ratio: 0.68% offering Credit Builder Loan at 5.00% 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, and First Citizens Federal Credit UnionFirst Citizens Federal Credit Union468 COUNTY ST, NEW BEDFORD, MA, 02740A+5.0 ★Texas Ratio: 2.23% offering Personal Loan at 5.00% APR. Personal loan rates as of May 12, 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: May 12, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Passbook Loan
4.00%
▼
APR4.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 13, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 13, 2026
Details
As Low As
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Merrimack St, Haverhill, MA, 01830
Credit Builder Loan
5.00%
▼
APR5.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
63 State St, Newburyport, MA, 01950
Credit Building - A Loan to Help Rebuild Your Credit
5.00%
▼
APR5.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
468 COUNTY ST, NEW BEDFORD, MA, 02740
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
Unsecured Loans (Open End Special)
5.25%
▼
APR5.25%
Last UpdatedMay 13, 2026
Details
$1,500.00 Maximum
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
Spring Loan Special
5.25%
▼
APR5.25%
Last UpdatedMay 13, 2026
Details
As Low As; Maximum of $1,500.00 up to 12 months
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA, 01607
Land Loan
5.49%
▼
APR5.49%
Last UpdatedMay 13, 2026
Details
No additional details available.
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA, 01238
Collateral with Account Personal Loan
5.50%
▼
APR5.50%
Last UpdatedMay 13, 2026
Details
or 3.00% above the APY of the account securing the loan, whichever is greater
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Holiday Loan
5.50%
▼
APR5.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Fall River Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
333 Milliken Blvd, Fall River, MA, 02721
10 Year Equity Loan
5.75%
▼
APR5.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Fall River Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
333 Milliken Blvd, Fall River, MA, 02721
First Lien Equity Loan
5.75%
▼
APR5.75%
Last UpdatedMay 13, 2026
Details
As Low As; Annual Percentage Rate is with automatic payment from an FRMCU checking account. Rate quoted is for a 5 year term and for applicants with best credit score, based on individual credit worthiness and subject to change without notice. FRMCU must be in first lien position on property. Other rates and terms available. Cannot be combined with any other offer. Other restrictions may apply.
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA, 02210
Debt Paydown Loan
5.96%
▼
APR5.96%
Last UpdatedMay 13, 2026
Details
Rates starting at 5.96% APR1
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA, 02210
Personal Loan
5.96%
▼
APR5.96%
Last UpdatedMay 13, 2026
Details
As Low As; For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. 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 may not be available for all Personal Loan products and/or through all application channels or platforms.
ACU Athol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
513 Main St, Athol, MA, 01331 1825
Credit Builder Loan
5.99%
▼
APR5.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA, 01545
Solar Loan
5.99%
▼
APR5.99%
Last UpdatedMay 13, 2026
Details
As Low As
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
806 Bedford St, Fall River, MA, 02723
Personal Loan
5.99%
▼
APR5.99%
Last UpdatedMay 13, 2026
Details
As Low As; with a Maximum Amount of $3,000.00 and a Term up to 12 Months
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
40 Pine St, Stoneham, MA, 02180 2048
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedMay 13, 2026
Details
$2,000 Maximum
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
150 West St, Pittsfield, MA, 01201
Fuel Loan
6.00%
▼
APR6.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
Vacation Loans
6.00%
▼
APR6.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA, 02210
VA Loans
6.30%
▼
APR6.30%
Last UpdatedMay 13, 2026
Details
As Low As; Primary Residence
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2203 Cranberry Hwy, West Wareham, MA, 02576 1210
Vacation Loan
6.49%
▼
APR6.49%
Last UpdatedMay 13, 2026
Details
As Low As
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA, 02210
Personal Loan
6.53%
▼
APR6.53%
Last UpdatedMay 13, 2026
Details
As Low As; For Personal Loans, APR ranges from 6.53% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination 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 January 7, 2026 and are subject to change without notice.
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
752 Main St, Tewksbury, MA, 01876
New & Used Recreational Loans
6.79%
▼
APR6.79%
Last UpdatedMay 13, 2026
Details
As Low As
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
99 Chestnut St, North Attleboro, MA, 02760
Balloon Land Loans (Buildable Lot) 1/1
6.82%
▼
APR6.82%
Last UpdatedMay 13, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
71 Station Lndg, Medford, MA, 02155 5191
HELOAN - Primary Residence - 80% CLTV - 5 Year
6.93%
▼
APR6.93%
Last UpdatedMay 13, 2026
Details
As Low As
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
Unsecured Loan Closed End Special
6.99%
▼
APR6.99%
Last UpdatedMay 13, 2026
Details
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2203 Cranberry Hwy, West Wareham, MA, 02576 1210
Debt Consolidation
6.99%
▼
APR6.99%
Last UpdatedMay 13, 2026
Details
As Low As
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2203 Cranberry Hwy, West Wareham, MA, 02576 1210
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMay 13, 2026
Details
As Low As
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Unsecured Loans 1-5 Years Platinum
6.99%
▼
APR6.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Fuel Loan
6.99%
▼
APR6.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 13, 2026
Details
As Low As
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
752 Main St, Tewksbury, MA, 01876
Anything Loan
6.99%
▼
APR6.99%
Last UpdatedMay 13, 2026
Details
As Low As
Alpha Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1 Deaconess Rd, Boston, MA, 02215
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
Vacation Loans
7.00%
▼
APR7.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Billerica Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
365 boston rd, billerica, MA, 01821
Vacation Loan Special
7.00%
▼
APR7.00%
Last UpdatedMay 13, 2026
Details
Must be paid in full by June 2027
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
99 Chestnut St, North Attleboro, MA, 02760
Balloon Land Loans (Buildable Lot) 5/1
7.21%
▼
APR7.21%
Last UpdatedMay 13, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
71 Station Lndg, Medford, MA, 02155 5191
HELOAN - Primary Residence - 80% CLTV - 10 Year
7.48%
▼
APR7.48%
Last UpdatedMay 13, 2026
Details
As Low As
Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
1500 Main Street, Springfield, MA, 01115
Unsecured Personal loan
7.49%
▼
APR7.49%
Last UpdatedMay 13, 2026
Details
FIXED APR WITH AUTO PAY
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Holiday Loan
7.49%
▼
APR7.49%
Last UpdatedMay 13, 2026
Details
No additional details available.
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Personal Loans
7.49%
▼
APR7.49%
Last UpdatedMay 13, 2026
Details
No additional details available.
Messiah Baptist Jubilee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
80 Legion Pkwy, Brockton, MA, 02301
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 13, 2026
Details
As Low As
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA, 02155 3801
Unsecured
7.50%
▼
APR7.50%
Last UpdatedMay 13, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
1150 Purchase St, New Bedford, MA, 02740 6635
No Fuss Loan Special
7.50%
▼
APR7.50%
Last UpdatedMay 13, 2026
Details
As Low As; Maximum $5,000
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Union St Ste 104, Norfolk, MA, 02056 1855
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 13, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
71 Station Lndg, Medford, MA, 02155 5191
HELOAN - Primary Residence - 90% CLTV - 5 Year
7.55%
▼
APR7.55%
Last UpdatedMay 13, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Personal Loans
7.75%
▼
APR7.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Tax Loan Special
7.75%
▼
APR7.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA, 02155 3801
Unsecured
7.75%
▼
APR7.75%
Last UpdatedMay 13, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
71 Station Lndg, Medford, MA, 02155 5191
HELOAN - Primary Residence - 90% CLTV - 10 Year
7.98%
▼
APR7.98%
Last UpdatedMay 13, 2026
Details
As Low As
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Unsecured Loans 1-5 Years A
7.99%
▼
APR7.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Morton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
88 washington st, taunton, MA, 02780 2465
Personal
7.99%
▼
APR7.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA, 02090
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 13, 2026
Details
As Low As
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
Unsecured Loan Closed End Special
7.99%
▼
APR7.99%
Last UpdatedMay 13, 2026
Details
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA, 01238
Collateral with Investment Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Arlington Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
730 Massachusetts Ave, Arlington, MA, 02476
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 13, 2026
Details
As Low As
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA, 02155 3801
Unsecured
8.00%
▼
APR8.00%
Last UpdatedMay 13, 2026
Details
As Low As
New Bedford Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
1150 Purchase St, New Bedford, MA, 02740 6635
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 13, 2026
Details
As Low As; Maximum $10,000
Alpha Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1 Deaconess Rd, Boston, MA, 02215
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA, 01607
Max Equity Loans 5 Year
8.01%
▼
APR8.01%
Last UpdatedMay 13, 2026
Details
No additional details available.
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA, 01607
Max Equity Loans 10 Year
8.20%
▼
APR8.20%
Last UpdatedMay 13, 2026
Details
No additional details available.
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Accessibility Lifestyle Loans
8.25%
▼
APR8.25%
Last UpdatedMay 13, 2026
Details
No additional details available.
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA, 02155 3801
Unsecured
8.25%
▼
APR8.25%
Last UpdatedMay 13, 2026
Details
As Low As
North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA, 01535
Credit Builder Loan
8.49%
▼
APR8.49%
Last UpdatedMay 13, 2026
Details
Savings Secured
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8 Cedar St, Woburn, MA, 01801 7246
Computer Loan
8.49%
▼
APR8.49%
Last UpdatedMay 13, 2026
Details
As Low as
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
752 Main St, Tewksbury, MA, 01876
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedMay 13, 2026
Details
As Low As
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8 Cedar St, Woburn, MA, 01801 7246
Back To School Loan
8.50%
▼
APR8.50%
Last UpdatedMay 13, 2026
Details
As low as
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA, 02155 3801
Unsecured
8.50%
▼
APR8.50%
Last UpdatedMay 13, 2026
Details
As Low As
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 13, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Accessibility Lifestyle Loans
8.50%
▼
APR8.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Personal Loan + Co-Application/Guarantor Loan
8.50%
▼
APR8.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Personal Loan + Co-Application/Guarantor Loan
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Accessibility Lifestyle Loans
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
34 GLENNIE ST, WORCESTER, MA, 01605
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
As Low As
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
30 Boston St Ste 9, Lynn, MA, 01904
Personal Loans
8.90%
▼
APR8.90%
Last UpdatedMay 13, 2026
Details
As Low As
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA, 01702 8306
Mini Special Unsecured Loan For a Limited Time
8.99%
▼
APR8.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Unsecured Loans 1-5 Years B
8.99%
▼
APR8.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA, 02067 2040
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 13, 2026
Details
As Low As; Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Membership eligibility is required.
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
K-12 Loan
8.99%
▼
APR8.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA, 02186
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Personal Loan + Co-Application/Guarantor Loan
9.00%
▼
APR9.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Accessibility Lifestyle Loans
9.00%
▼
APR9.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
138 S Main St, Attleboro, MA, 02703 3909
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 13, 2026
Details
As Low As
Common Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
8 Cedar St, Woburn, MA, 01801 7246
Credit Builder Loan
9.00%
▼
APR9.00%
Last UpdatedMay 13, 2026
Details
As Low As; $500 Credit Builder Loan.
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Personal Unsecured Loans
9.00%
▼
APR9.00%
Last UpdatedMay 13, 2026
Details
As Low As
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
199 Worcester Ct, Falmouth, MA, 02540
Energy Efficiency Loan
9.24%
▼
APR9.24%
Last UpdatedMay 13, 2026
Details
As Low As
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA, 01545
Holiday Loans
9.24%
▼
APR9.24%
Last UpdatedMay 13, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Personal Loan + Co-Application/Guarantor Loan
9.25%
▼
APR9.25%
Last UpdatedMay 13, 2026
Details
No additional details available.
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Accessibility Lifestyle Loans
9.25%
▼
APR9.25%
Last UpdatedMay 13, 2026
Details
No additional details available.
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedMay 13, 2026
Details
As Low As
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
815 Main St, Fitchburg, MA, 01420
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 13, 2026
Details
As Low As
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA, 02601
Unsecured Solar Loan
9.50%
▼
APR9.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Personal Unsecured Loans
9.50%
▼
APR9.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Credit Builder Loan
9.50%
▼
APR9.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Personal Loan + Co-Application/Guarantor Loan
9.50%
▼
APR9.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMay 13, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
156 Spring St, West Roxbury, MA, 02132
Personal Unsecured
9.75%
▼
APR9.75%
Last UpdatedMay 13, 2026
Details
As Low As; Amount: $25,000.00
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Personal Unsecured Loans
9.75%
▼
APR9.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2360 Massachusetts Ave, Cambridge, MA, 02140
Unsecured Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA, 02601
Storm Preparedness Loan
9.75%
▼
APR9.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMay 13, 2026
Details
$5,000 Maximum
BFCU Boston Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
60 Hallet St, Dorchester, MA, 02124 5408
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA, 02186
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA, 02186
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Vacation Loan
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Seaport Ln Ste 1400, Boston, MA, 02210 2001
Peace of Mind Unsecured
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA, 02067 2040
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As; Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Membership eligibility is required.
IC Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA, 01420
Freedom Loan
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
Max loan $10,000.
Brookline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
334 WASHINGTON ST, BROOKLINE, MA, 02445 6850
Personal
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
150 West St, Pittsfield, MA, 01201
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
up to $2500
Morton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
88 washington st, taunton, MA, 02780 2465
Personal
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
101 Page St, New Bedford, MA, 02740
Unsecured Loans 1-5 Years C
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
RAH Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.02%
45 DIAUTO DR, RANDOLPH, MA, 02368 4501
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As; Up to $7,500.00 / 60 months; Over $7,500.00 can be taken for 72 months
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Property Tax Loan
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA, 02155 3801
Unsecured Personal Loans Personal
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Personal Unsecured Loans
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
Debt Consolidation Loan
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
As Low As
Taupa Lithuanian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
368 W Broadway, South Boston, MA, 02127 2272
Personal
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
Rate subject to credit approval
Alpha Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1 Deaconess Rd, Boston, MA, 02215
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
138 S Main St, Attleboro, MA, 02703 3909
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
Unsecured Loans (Open End Special)
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
One Signature - $5,000.00 Two Signatures - $10,000.00
Boston Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
10 Causeway St Rm 436, Boston, MA, 02222 1051
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
30 Boston St Ste 9, Lynn, MA, 01904
10 Month Loans
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
As Low As
St Michaels Fall River Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.65%
775 Davol St, Fall River, MA, 02720 1028
Personal/Unsecured
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
As Low As
Notre Dame Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
659 Eastern Ave, Fall River, MA, 02723
Unsecured Loans (Open End Special)
10.25%
▼
APR10.25%
Last UpdatedMay 13, 2026
Details
One Signature - $5,000.00 Two Signatures - $10,000.00
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
199 Worcester Ct, Falmouth, MA, 02540
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 13, 2026
Details
As Low As
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
99 Chestnut St, North Attleboro, MA, 02760
Personal/Consolidation Loans
10.49%
▼
APR10.49%
Last UpdatedMay 13, 2026
Details
Loan amounts up to $10,000
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
75 Kenoza Ave, Haverhill, MA, 01830 4132
Personal
10.49%
▼
APR10.49%
Last UpdatedMay 13, 2026
Details
As Low As
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Wall St Ste 402, Burlington, MA, 01803
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
As Low As
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA, 01752 3061
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
As Low As; Various Terms Available
HTM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
4 Summer St Ste 3, Haverhill, MA, 01830 5843
Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
HTM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
4 Summer St Ste 3, Haverhill, MA, 01830 5843
Debt Consolidation
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
806 Bedford St, Fall River, MA, 02723
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
As Low As; Maximum term to 36 months
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Wall St Ste 402, Burlington, MA, 01803
Personal
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
As Low As; *Maximum Term = 48 months.
Health Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
230 Highland Ave, Somerville, MA, 02143 1408
Personal Unsecured Loans
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Holiday, Vacation Loan (790+ FICO)
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Holiday, Vacation Loan (720 -789 FICO)
10.75%
▼
APR10.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Personal Unsecured Loan (790+ FICO)
10.75%
▼
APR10.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedMay 13, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
468 COUNTY ST, NEW BEDFORD, MA, 02740
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA, 01238
Collateral with Account Personal Loan
5.50%
▼
APR5.50%
Last UpdatedMay 13, 2026
Details
or 3.00% above the APY of the account securing the loan, whichever is greater
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA, 02210
Personal Loan
5.96%
▼
APR5.96%
Last UpdatedMay 13, 2026
Details
As Low As; For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. 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 may not be available for all Personal Loan products and/or through all application channels or platforms.
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
806 Bedford St, Fall River, MA, 02723
Personal Loan
5.99%
▼
APR5.99%
Last UpdatedMay 13, 2026
Details
As Low As; with a Maximum Amount of $3,000.00 and a Term up to 12 Months
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA, 02210
Personal Loan
6.53%
▼
APR6.53%
Last UpdatedMay 13, 2026
Details
As Low As; For Personal Loans, APR ranges from 6.53% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination 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 January 7, 2026 and are subject to change without notice.
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2203 Cranberry Hwy, West Wareham, MA, 02576 1210
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMay 13, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA, 01752
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 13, 2026
Details
As Low As
Alpha Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1 Deaconess Rd, Boston, MA, 02215
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
1500 Main Street, Springfield, MA, 01115
Unsecured Personal loan
7.49%
▼
APR7.49%
Last UpdatedMay 13, 2026
Details
FIXED APR WITH AUTO PAY
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Personal Loans
7.49%
▼
APR7.49%
Last UpdatedMay 13, 2026
Details
No additional details available.
Messiah Baptist Jubilee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
80 Legion Pkwy, Brockton, MA, 02301
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 13, 2026
Details
As Low As
Norfolk Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Union St Ste 104, Norfolk, MA, 02056 1855
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 13, 2026
Details
As Low As
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Personal Loans
7.75%
▼
APR7.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA, 02090
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 13, 2026
Details
As Low As
Alpha Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1 Deaconess Rd, Boston, MA, 02215
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
New Bedford Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
1150 Purchase St, New Bedford, MA, 02740 6635
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 13, 2026
Details
As Low As; Maximum $10,000
Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA, 01238
Collateral with Investment Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Arlington Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
730 Massachusetts Ave, Arlington, MA, 02476
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 13, 2026
Details
As Low As
TEWKSBURY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
752 Main St, Tewksbury, MA, 01876
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedMay 13, 2026
Details
As Low As
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 13, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Personal Loan + Co-Application/Guarantor Loan
8.50%
▼
APR8.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
34 GLENNIE ST, WORCESTER, MA, 01605
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
As Low As
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Personal Loan + Co-Application/Guarantor Loan
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
30 Boston St Ste 9, Lynn, MA, 01904
Personal Loans
8.90%
▼
APR8.90%
Last UpdatedMay 13, 2026
Details
As Low As
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA, 02067 2040
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 13, 2026
Details
As Low As; Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Membership eligibility is required.
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA, 02186
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Personal Loan + Co-Application/Guarantor Loan
9.00%
▼
APR9.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
138 S Main St, Attleboro, MA, 02703 3909
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 13, 2026
Details
As Low As
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedMay 13, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Personal Loan + Co-Application/Guarantor Loan
9.25%
▼
APR9.25%
Last UpdatedMay 13, 2026
Details
No additional details available.
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
815 Main St, Fitchburg, MA, 01420
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 13, 2026
Details
As Low As
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA, 02421 3142
Personal Loan + Co-Application/Guarantor Loan
9.50%
▼
APR9.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2360 Massachusetts Ave, Cambridge, MA, 02140
Unsecured Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA, 01851
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMay 13, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMay 13, 2026
Details
$5,000 Maximum
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA, 02186
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Tremont Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.31%
2 Granite Ave, Milton, MA, 02186
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA, 02067 2040
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As; Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Membership eligibility is required.
BFCU Boston Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
60 Hallet St, Dorchester, MA, 02124 5408
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA, 02155 3801
Unsecured Personal Loans Personal
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
150 West St, Pittsfield, MA, 01201
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
up to $2500
RAH Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.02%
45 DIAUTO DR, RANDOLPH, MA, 02368 4501
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As; Up to $7,500.00 / 60 months; Over $7,500.00 can be taken for 72 months
Boston Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
10 Causeway St Rm 436, Boston, MA, 02222 1051
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Attleboro Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
138 S Main St, Attleboro, MA, 02703 3909
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA, 01851
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Alpha Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1 Deaconess Rd, Boston, MA, 02215
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
199 Worcester Ct, Falmouth, MA, 02540
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 13, 2026
Details
As Low As
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA, 02143
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
St Anthony Of Padua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
806 Bedford St, Fall River, MA, 02723
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
As Low As; Maximum term to 36 months
New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1 Wall St Ste 402, Burlington, MA, 01803
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
As Low As
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA, 01752 3061
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
As Low As; Various Terms Available
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA, 01109
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedMay 13, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA, 02210
Debt Paydown Loan
5.96%
▼
APR5.96%
Last UpdatedMay 13, 2026
Details
Rates starting at 5.96% APR1
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2203 Cranberry Hwy, West Wareham, MA, 02576 1210
Debt Consolidation
6.99%
▼
APR6.99%
Last UpdatedMay 13, 2026
Details
As Low As
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
Debt Consolidation Loan
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
As Low As
HTM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
4 Summer St Ste 3, Haverhill, MA, 01830 5843
Debt Consolidation
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
Debt Consolidation Loan
11.50%
▼
APR11.50%
Last UpdatedMay 13, 2026
Details
As Low As
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Debt Consolidation Loan (790+ FICO)
12.00%
▼
APR12.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Debt Consolidation
13.90%
▼
APR13.90%
Last UpdatedMay 13, 2026
Details
No additional details available.
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Debt Consolidation Loan (720 -789 FICO)
14.00%
▼
APR14.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
5 Cheshire Rd, Pittsfield, MA, 01201
Debt Consolidation Loan
14.50%
▼
APR14.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Debt Consolidation
14.90%
▼
APR14.90%
Last UpdatedMay 13, 2026
Details
$15,000 Maximum
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Debt Consolidation Loan (670 - 719 FICO)
15.75%
▼
APR15.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA, 01901
Debt Consolidation
16.00%
▼
APR16.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Debt Consolidation Loan (630 - 669 FICO)
16.75%
▼
APR16.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Debt Consolidation Loan (500 - 629 FICO)
18.00%
▼
APR18.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
HTM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
4 Summer St Ste 3, Haverhill, MA, 01830 5843
Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Powered by
MonitorBankRates
No home improvement personal loan rates found in Massachusetts currently.
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.
Personal Loan — MA Avg
11.823%
▼ 0.374 vs 7 days ago
Massachusetts personal loan rates fell 0.374 points over the past 7 days to 11.823% APR.
Signature Loan — MA Avg
11.041%
▲ 0.060 vs 7 days ago
Massachusetts signature loan rates rose 0.060 points over the past 7 days to 11.041% APR.
As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Massachusetts?
Most lenders in Massachusetts require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Massachusetts often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Massachusetts require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Massachusetts?
Yes. Debt consolidation is one of the most common uses of personal loans in Massachusetts. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Massachusetts?
Credit unions in Massachusetts often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Massachusetts?
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Pentucket Bank: 5.00% (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)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Massachusetts. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026.
