Best Personal Loan Rates in Cambridge, Massachusetts - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Cambridge, Massachusetts include: Webster First Federal Credit UnionWebster First Federal Credit Union20 Felton Street, Cambridge, MA, 02138A+5.0 ★Texas Ratio: 2.16% offering Credit Builder 60 Month Loan at 7.00% APR, MASS INSTITUTE OF TECHMASS INSTITUTE OF TECH84 Massachusetts Ave, Cambridge, MA, 02139 4300B+4.7 ★Texas Ratio: 7.09% offering Accessibility Lifestyle Loans at 8.25% APR, NCB North Cambridge Coopertive BankNCB North Cambridge Coopertive Bank2360 Massachusetts Ave, Cambridge, MA, 02140A+5.0 ★Texas Ratio: 0.00% offering Unsecured Personal Loan at 9.75% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, and Newburyport BankNewburyport BankA5.0 ★Texas Ratio: 8.70% offering Credit Building - A Loan to Help Rebuild Your Credit at 5.00% APR. Personal loan rates as of July 7, 2026 according to verified data from MonitorBankRates.
Cambridge has 3 local institutions in our database, with personal loan rates as low as 7.00% APR from Webster First Federal Credit Union at 20 Felton Street, Cambridge, MA, 02138. 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 Cambridge, Massachusetts.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cambridge, 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: July 7, 2026
Cambridge Personal Loan Rates
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Maximum loan amount $2,500
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Maximum of $1,500.00
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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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Model Year: 2026
Model Year: 2023-2026
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APR**(Credit & Promotional Rates applied)
Fixed APR*
$2,000 Maximum
Subject to credit approval.
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Model Year: 2023-2026
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Model Year: 2023-2026
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Fully Indexed Rate: 6.500%; 360 Payments
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Model Year: 2020-2022
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Fixed APR*
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Rates as low as APR1
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Platinum 740+
Model Year: 2020-2022
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Fully Indexed Rate: 6.500%; # of Monthly Payments: 360; Payment per $1,000: $6.30
APR**(Credit & Promotional Rates applied)
Rate based on FICO score: 700 or more. **
As Low As; Personal Unsecured Loans
Fully Indexed Rate: 6.500%; 360 Monthly Payments
Fully Indexed Rate: 6.500%; # of Monthly Payments: 360; Payment per $1,000: $6.30
Fully Indexed Rate: 6.500%; 360 Monthly Payments
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Fully Indexed Rate: 6.500%; Payment per $1,000: $6.32
Model Year: 2020-2022
with auto pay
FIXED APR WITH AUTO PAY
As Low As; Maximum $5,000
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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Borrow up to $3,000 for a new computer.
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A 720-739
As low as; Click Here
As Low As; to $3,000
Per Collateral Review
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
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
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; Maximum $10,000
Rate based on FICO score: 650-699. **
As Low As; Personal Unsecured Loans
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As Low as; Maximum $3,000
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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; Maximum Limit: $25,000.00
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Model Year: 2017-2019
Call or Visit a Branch to Apply
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B 700-719
Up to $10,000; CU will pay vendors directly; current SMEFCU Loans are not eligible
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Maximum Loan: $25,000.00. 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. Certain restrictions may apply for members with existing SCU personal loans.
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Model Year: 2012-2016
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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; Personal Unsecured Loans
Apply in person at a Cape Cod 5 Banking Center
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As Low As; Maximum Limit: $25,000.00
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As Low As; to $15,000
C 680-699
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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
As Low As; APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Maximum Loan: $25,000.00. 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. Certain restrictions may apply for members with existing SCU personal loans.
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Cambridge Personal Loan Rates
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Rate based on FICO score: 700 or more. **
FIXED APR WITH AUTO PAY
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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; Click Here
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Rate based on FICO score: 650-699. **
As Low As; Maximum $10,000
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.
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Maximum Loan: $25,000.00. 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. Certain restrictions may apply for members with existing SCU personal loans.
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As Low As; Maximum Limit: $25,000.00
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up to $2500; Subject to credit approval.
As Low As; APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Maximum Loan: $25,000.00. 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. Certain restrictions may apply for members with existing SCU personal loans.
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Cambridge Debt Consolidation Loan Rates
As Low As; to $15,000
FICO Score: 790+
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FICO Score: 720 -789
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Maximum $15,000
FICO Score: 670 - 719
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FICO Score: 630 - 669
FICO Score: 500 - 629
Cambridge Signature Loan Rates
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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.
Cambridge, MA Personal Loan Rate Trends
Compare local Cambridge, 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 rose 0.004 points over the past 7 days to 11.844% APR.
Massachusetts signature loan rates fell 1.840 points over the past 7 days to 9.163% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cambridge, 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 Cambridge, 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 Cambridge, 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 Cambridge, Massachusetts?
What are the best personal loan rates in Cambridge, Massachusetts?
- Webster First Federal Credit Union: 7.00% (Credit Builder 60 Month Loan)
- MASS INSTITUTE OF TECH: 8.25% (Accessibility Lifestyle Loans)
- NCB North Cambridge Coopertive Bank: 9.75% (Unsecured Personal Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Newburyport Bank: 5.00% (Credit Building - A Loan to Help Rebuild Your Credit)
Cambridge, Massachusetts Rates & Resources
Personal Loan Calculators
