Best Personal Loan Rates in Haverhill, 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 Haverhill, Massachusetts include: Pentucket BankPentucket Bank1 Merrimack St, Haverhill, MA, 01830A+5.0 ★Texas Ratio: 0.68% offering Credit Builder Loan at 5.00% APR, Align Credit UnionAlign Credit Union20 Cushing Ave, Haverhill, MA, 01830A5.0 ★Texas Ratio: 11.20% offering Holiday Loan at 7.49% APR, Haverhill Fire Department Credit UnionHaverhill Fire Department Credit Union75 Kenoza Ave, Haverhill, MA, 01830 4132A+5.0 ★Texas Ratio: 0.00% offering Personal at 10.49% APR, HTM Credit UnionHTM Credit Union4 Summer St Ste 3, Haverhill, MA, 01830 5843A+5.0 ★Texas Ratio: 0.23% offering Debt Consolidation at 10.50% APR, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of May 15, 2026 according to verified data from MonitorBankRates.
Haverhill has 4 local institutions in our database, with personal loan rates as low as 5.00% APR from Pentucket Bank at 1 Merrimack St, Haverhill, MA, 01830. 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 Haverhill, Massachusetts.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Haverhill, 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 15, 2026
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$1,500.00 Maximum
As Low As; Maximum of $1,500.00 up to 12 months
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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.
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.
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As Low As
As Low As; with a Maximum Amount of $3,000.00 and a Term up to 12 Months
$2,000 Maximum
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As Low As; Primary Residence
As Low As
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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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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As Low As
FIXED APR WITH AUTO PAY
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As Low As
As Low As; Maximum $5,000
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As Low As
As Low As
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
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As Low As
As Low As; Maximum $10,000
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As Low As
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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
As Low As; $500 Credit Builder Loan.
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As Low As; Amount: $25,000.00
As Low As
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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.
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up to $2500
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Max loan $10,000.
As Low As; Up to $7,500.00 / 60 months; Over $7,500.00 can be taken for 72 months
As Low As
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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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As Low As
As Low As
One Signature - $5,000.00 Two Signatures - $10,000.00
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Loan amounts up to $10,000
As Low As; *Maximum Term = 48 months.
As Low As; Various Terms Available
As Low As
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As Low As; Maximum term to 36 months
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or 3.00% above the APY of the account securing the loan, whichever is greater
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; with a Maximum Amount of $3,000.00 and a Term up to 12 Months
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.
As Low As
As Low As
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FIXED APR WITH AUTO PAY
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As Low As
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As Low As; Maximum $10,000
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As Low As
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As Low As
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As Low As
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
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As Low As
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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
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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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Haverhill, MA Personal Loan Rate Trends
Compare local Haverhill, 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 0.036 points over the past 7 days to 11.823% APR.
Massachusetts signature loan rates rose 0.046 points over the past 7 days to 11.053% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Haverhill, 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 Haverhill, 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 Haverhill, 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 Haverhill, Massachusetts?
What are the best personal loan rates in Haverhill, Massachusetts?
- Pentucket Bank: 5.00% (Credit Builder Loan)
- Align Credit Union: 7.49% (Holiday Loan)
- Haverhill Fire Department Credit Union: 10.49% (Personal)
- HTM Credit Union: 10.50% (Debt Consolidation)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Calculators
