Best Personal Loan Rates in Berkley, Massachusetts (MA) - April 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 Berkley, Massachusetts include: TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Metro Credit UnionMetro Credit UnionA+5.0 ★Texas Ratio: 1.57% offering Credit Builder Loan at 4.10% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Southcoast Federal Credit UnionSouthcoast Federal Credit UnionA+5.0 ★Texas Ratio: 1.60% offering Debt Consolidation Program at 4.99% APR, and Pentucket BankPentucket BankA+5.0 ★Texas Ratio: 0.68% offering Credit Builder Loan at 5.00% APR. Personal loan rates as of April 5, 2026 according to verified data from MonitorBankRates.
Berkley borrowers have access to 69 lenders serving the Massachusetts area, with personal loan rates as low as 4.00% APR from TrustCo Bank. 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 Berkley, Massachusetts.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Berkley, 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: April 5, 2026
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As Low As
As Low As
Maximum Amount: 10,000; Platinum 740+
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0.25% Interest Rate reduction with Automatic Payment from an ASB, A Division of Cornerstone Bank account; INTRO CREDIT is intended to assist applicants to establish a credit profile. Applicants with a limited credit profile of no more than 3 reported accounts are eligible with an acceptable credit history. INTRO CREDIT is not intended to repair credit or for applicants with established credit profiles of more than 3 reported accounts; Minimum loan amount $750 with ASB, A Division of Cornerstone Bank $500 deposit; Maximum loan amount $1,500 with ASB, A Division of Cornerstone Bank $1,000 deposit; ASB, A Division of Cornerstone Bank Deposit account pledged as collateral; Loan to Value maximum of 150%; Various terms available; Consumer Credit Report Required
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As Low As; Maximum of $1,500.00 up to 12 months
Fixed rates
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3.00% above the APY of the account securing the loan, whichever is greater
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
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$2,000 Maximum
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Up to $5,000
30-Year Rates As Low As; Primary Residence
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As Low As; Prime
As Low As; Terms from 36 to 84 months with Direct Deposit
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As Low As
As Low As; Term: 24 months
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As Low As
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Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
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Vacation Loans up to $2500 @ 7% from June 1 to August 31. Must be paid in full by the following June.
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As Low As; Low Fixed Rates
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As Low As; Maximum $5,000
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As Low As; Advertised Annual Percentage Rate accurate as of 7/22/2025 and are subject to change without notice. 7.89% APR available to qualified borrowers: 1). Requesting a minimum loan amount of $7,500; 2) With a bank-obtained credit score of at least 740; 3). Who have an eligible CBNA checking account (Includes: CBNA Carefree Checking, Premium Checking, or 50 Direct Checking); AND 4). With autopay from an eligible CBNA checking account. Maximum Loan Term is 60 months. Minimum Period for Repayment: 12 Months. Credit scores below 740 can range up to a maximum APR of 16.00% (rate without eligible CBNA checking account discount and without autopay discount). No origination fee, No Pre-payment penalty fee. For example, a 60-month $15,000 unsecured loan with an 7.89% interest rate would have 60 scheduled monthly payments of approximately $303.37.Other terms and conditions may apply. Call for details.
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
As Low As
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Up to $15,000
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
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As Low As; Maximum $10,000
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As Low As
As Low As; Terms from 24 to 72 months with Direct Deposit
Savings Secured
As Low as; Maximum $3,000
As low as; Maximum $2,400
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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Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 03/23/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
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Up to $15,000
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As Low As
As Low As; From April 1 to May 31
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to $10,000.00
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As Low As; Loan Amount $500 to $50,000
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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
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3.00% above the APY of the account securing the loan, whichever is greater
As Low As
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As Low As
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As Low As; Advertised Annual Percentage Rate accurate as of 7/22/2025 and are subject to change without notice. 7.89% APR available to qualified borrowers: 1). Requesting a minimum loan amount of $7,500; 2) With a bank-obtained credit score of at least 740; 3). Who have an eligible CBNA checking account (Includes: CBNA Carefree Checking, Premium Checking, or 50 Direct Checking); AND 4). With autopay from an eligible CBNA checking account. Maximum Loan Term is 60 months. Minimum Period for Repayment: 12 Months. Credit scores below 740 can range up to a maximum APR of 16.00% (rate without eligible CBNA checking account discount and without autopay discount). No origination fee, No Pre-payment penalty fee. For example, a 60-month $15,000 unsecured loan with an 7.89% interest rate would have 60 scheduled monthly payments of approximately $303.37.Other terms and conditions may apply. Call for details.
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
Up to $15,000
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
As Low As
As Low As; Maximum $10,000
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As Low As
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As Low As; Terms from 24 to 72 months with Direct Deposit
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Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 03/23/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
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As Low As
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Up to $15,000
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As Low As; Loan Amount $500 to $50,000
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As Low As
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Maximum Amount: 10,000; Platinum 740+
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$15,000; As Low As
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$15,000 Maximum
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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.
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.
Berkley, MA Personal Loan Rate Trends
Compare local Berkley, MA 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 12.942% APR.
Massachusetts signature loan rates currently average 11.121% APR.
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 Berkley, Massachusetts?
What are the best personal loan rates in Berkley, Massachusetts?
- TrustCo Bank: 4.00% (Passbook Loan)
- Metro Credit Union: 4.10% (Credit Builder Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Southcoast Federal Credit Union: 4.99% (Debt Consolidation Program)
- Pentucket Bank: 5.00% (Credit Builder Loan)
Personal Loan Calculators
