Best Personal Loan Rates in Boston, Massachusetts (MA) - May 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 Boston, Massachusetts include: LendingClubLendingClub1 Harbor St, Boston, MA, 02210A5.0 ★Texas Ratio: 6.13% offering Debt Paydown Loan at 5.96% APR, Hanscom Federal Credit UnionHanscom Federal Credit Union495 Summer St, Boston, MA, 02210A+5.0 ★Texas Ratio: 3.74% offering VA Loans at 6.30% APR, Alpha Credit UnionAlpha Credit Union1 Deaconess Rd, Boston, MA, 02215A+5.0 ★Texas Ratio: 0.40% offering Personal Loan at 7.00% APR, BrightBridge Credit UnionBrightBridge Credit Union2 Seaport Ln Ste 1400, Boston, MA, 02210 2001A+5.0 ★Texas Ratio: 0.00% offering Peace of Mind Unsecured at 9.99% APR, and Boston Customs Federal Credit UnionBoston Customs Federal Credit Union10 Causeway St Rm 436, Boston, MA, 02222 1051A+5.0 ★Texas Ratio: 3.37% offering Personal Loans at 10.00% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Boston has 8 local institutions in our database, with personal loan rates as low as 5.96% APR from LendingClub at 1 Harbor St, Boston, MA, 02210. 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 Boston, Massachusetts.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Boston, 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
Rates starting at 5.96% APR1
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.
As Low As; Primary Residence
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.
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$5,000 (Max. Term 18 months); Credit Score: 760+
$5,000 (Max. Term 18 months); Credit Score: 760+
$5,000 (Max. Term 36 months); Credit Score: 760+
$5,000 (Max. Term 18 months); Credit Score: 760+
$15,000 (Max. Term 60 months); Credit Score: 760+
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$5,000 (Max. Term 18 months); Credit Score: 720-759
$5,000 (Max. Term 18 months); Credit Score: 720-759
$5,000 (Max. Term 36 months); Credit Score: 720-759
$5,000 (Max. Term 18 months); Credit Score: 720-759
$15,000 (Max. Term 60 months); Credit Score: 720-759
$5,000 (Max. Term 18 months); Credit Score: 660-719
$5,000 (Max. Term 18 months); Credit Score: 660-719
$5,000 (Max. Term 36 months); Credit Score: 660-719
$5,000 (Max. Term 18 months); Credit Score: 660-719
$5,000 (Max. Term 18 months); Credit Score: 600-659
$5,000 (Max. Term 18 months); Credit Score: 600-659
$5,000 (Max. Term 36 months); Credit Score: 600-659
$5,000 (Max. Term 18 months); Credit Score: 600-659
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.
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As Low As
As Low As
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As Low As; Maximum of $1,500.00 up to 12 months
$1,500.00 Maximum
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or 3.00% above the APY of the account securing the loan, whichever is greater
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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.
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As Low As; with a Maximum Amount of $3,000.00 and a Term up to 12 Months
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$2,000 Maximum
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Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
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Must be paid in full by June 2027
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FIXED APR WITH AUTO PAY
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As Low As; Maximum $5,000
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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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Savings Secured
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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.
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As Low As; $500 Credit Builder Loan.
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As Low As; Amount: $25,000.00
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$5,000 Maximum
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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.
As Low As
Max loan $10,000.
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up to $2500
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As Low As; Up to $7,500.00 / 60 months; Over $7,500.00 can be taken for 72 months
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Rate subject to credit approval
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One Signature - $5,000.00 Two Signatures - $10,000.00
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One Signature - $5,000.00 Two Signatures - $10,000.00
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Loan amounts up to $10,000
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As Low As; Various Terms Available
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As Low As; *Maximum Term = 48 months.
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As Low As; Maximum term to 36 months
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As Low As
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.
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.
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$5,000 (Max. Term 36 months); Credit Score: 760+
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$15,000 (Max. Term 60 months); Credit Score: 760+
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$5,000 (Max. Term 36 months); Credit Score: 720-759
$15,000 (Max. Term 60 months); Credit Score: 720-759
$5,000 (Max. Term 36 months); Credit Score: 660-719
$5,000 (Max. Term 36 months); Credit Score: 600-659
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.
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or 3.00% above the APY of the account securing the loan, whichever is greater
As Low As; with a Maximum Amount of $3,000.00 and a Term up to 12 Months
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FIXED APR WITH AUTO PAY
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As Low As; Maximum $10,000
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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.
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$5,000 Maximum
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.
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As Low As
As Low As
up to $2500
As Low As; Up to $7,500.00 / 60 months; Over $7,500.00 can be taken for 72 months
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As Low As; Maximum term to 36 months
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As Low As; Various Terms Available
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Rates starting at 5.96% APR1
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$15,000 Maximum
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Boston, MA Personal Loan Rate Trends
Compare local Boston, 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 fell 0.374 points over the past 7 days to 11.823% APR.
Massachusetts signature loan rates rose 0.060 points over the past 7 days to 11.041% 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 Boston, Massachusetts?
What are the best personal loan rates in Boston, Massachusetts?
- LendingClub: 5.96% (Debt Paydown Loan)
- Hanscom Federal Credit Union: 6.30% (VA Loans)
- Alpha Credit Union: 7.00% (Personal Loan)
- BrightBridge Credit Union: 9.99% (Peace of Mind Unsecured)
- Boston Customs Federal Credit Union: 10.00% (Personal Loans)
Personal Loan Calculators
