Best Personal Loan Rates in Merrimac, 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 Merrimac, Massachusetts include: Haverhill Fire Department Credit UnionHaverhill Fire Department Credit Union12 Merrimac Sq, Merrimac, MA, 01860A+5.0 ★Texas Ratio: 0.00% offering Personal at 10.49% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Pentucket BankPentucket BankA+5.0 ★Texas Ratio: 0.68% offering Credit Builder Loan at 5.00% 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 May 12, 2026 according to verified data from MonitorBankRates.
Merrimac has 1 local institution in our database, with personal loan rates as low as 10.49% APR from Haverhill Fire Department Credit Union at 12 Merrimac Sq, Merrimac, MA, 01860. 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 Merrimac, Massachusetts.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Merrimac, 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
As Low As
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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
No additional details available.
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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.
No additional details available.
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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.
As Low As
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As Low As
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
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As Low As
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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
As Low As
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As Low As
As Low As
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As Low As
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
As Low As; Maximum $10,000
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As Low As
As Low As
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Savings Secured
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As low as
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As Low As
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As Low As
As Low As
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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
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As Low As; Amount: $25,000.00
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$5,000 Maximum
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.
No additional details available.
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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
No additional details available.
As Low As
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As Low As
Rate subject to credit approval
No additional details available.
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One Signature - $5,000.00 Two Signatures - $10,000.00
No additional details available.
As Low As
As Low As
One Signature - $5,000.00 Two Signatures - $10,000.00
As Low As
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
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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
No additional details available.
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
As Low As
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As Low As
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.
No additional details available.
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As Low As
As Low As
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As Low As
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As Low As
$5,000 Maximum
No additional details available.
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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
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
No additional details available.
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As Low As
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As Low As; Maximum term to 36 months
As Low As
As Low As; Various Terms Available
As Low As
Rates starting at 5.96% APR1
As Low As
As Low As
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As Low As
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$15,000 Maximum
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Merrimac, MA Personal Loan Rate Trends
Compare local Merrimac, 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 Merrimac, Massachusetts?
What are the best personal loan rates in Merrimac, Massachusetts?
- Haverhill Fire Department Credit Union: 10.49% (Personal)
- 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)
Personal Loan Calculators
