North Scituate, Massachusetts Best Personal Loan Rates for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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North Scituate, Massachusetts personal loan rates from lenders serving Massachusetts range from 4.49% to 18.00% APR, verified by MonitorBankRates as of October 31, 2026. Current personal loan options available to borrowers in North Scituate, Massachusetts include: Haverhill Fire Department Credit UnionHaverhill Fire Department Credit UnionA+5.0 ★Texas Ratio: 0.11%Rate verified Oct 30, 2026 offering Share Secured/Credit Building Loan at 4.49% APR, Westfield BankWestfield BankA+5.0 ★Texas Ratio: 2.93%Rate verified Oct 27, 2026 offering Pool & Spa 12 Months Loan at 6.25% APR, Tewksbury Credit UnionTewksbury Credit UnionA+5.0 ★Texas Ratio: 2.49%Rate verified Oct 30, 2026 offering Personal Unsecured Loans at 6.75% APR, UMassFive College Federal Credit UnionUMassFive College Federal Credit UnionA5.0 ★Texas Ratio: 7.52%Rate verified Oct 29, 2026 offering MySolar Loan at 6.88% APR, and Notre Dame Community Federal Credit UnionNotre Dame Community Federal Credit UnionA5.0 ★Texas Ratio: 6.60%Rate verified Oct 28, 2026 offering Unsecured Loan Closed End Special at 6.99% APR. Personal loan rates as of October 31, 2026 according to verified data from MonitorBankRates.
North Scituate borrowers have access to 71 lenders serving the Massachusetts area, with personal loan rates as low as 4.49% APR from Haverhill Fire Department Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 North Scituate, Massachusetts.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in North Scituate, 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: October 31, 2026
North Scituate Personal Loan Rates
Effective: February 20, 2024
Pool and Spa Loans; 90% of the purchase price with a maximum loan amount of $10,000
Pool and Spa Loans; 90% of the purchase price with a maximum loan amount of $10,000
Pool and Spa Loans; 90% of the purchase price with a maximum loan amount of $10,000
Pool and Spa Loans; 90% of the purchase price with a maximum loan amount of $10,000
Pool and Spa Loans; 90% of the purchase price with a maximum loan amount of $10,000
As Low As; Rates include 0.50% APR discount for qualifying recurring direct deposit
- Oct 1, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; Interest rate fixed for life of the loan; Limit: $100,000
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
Credit Grade: Platinum; FICO 740+; Minimum Amount: 1,000; Maximum Loan Amount = $30,000
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
FICO Score: 700 or more; Maximum loan $10,000; Additional Requirements: 1 Current Pay Stub
As Low As; Interest rate fixed for life of the loan; Limit: $100,000
As Low As; Rates shown are lowest rate; Payment per $1,000: $58.91; Qualification restrictions apply
Rate range: 7.5% or 10.0% APR for up to 36 months; Up to 106.25% financing available for qualified members, terms available with certain restrictions and nominal rate increase; Rates are based on the term of loan and credit history
- Oct 23, 20267.50%▼ from 10.00%
- Oct 15, 202610.00%▲ from 7.50%
- Sep 16, 20267.50%first recorded
Published APR range: As low as 7.50%. As Low As; Amount: $20,000; Number of Signatures: 1
As Low As; Annual Percentage Rate
As Low As; Interest rate fixed for life of the loan; Limit: $100,000
As Low As; Rates include 0.50% APR discount for qualifying recurring direct deposit
- Oct 1, 20267.75%▲ from 7.50%
- Sep 14, 20267.50%first recorded
As Low As; Interest rate fixed for life of the loan; Limit: $100,000
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
As Low As; Max $25,000; Payment per $1,000 not extracted
Credit Grade: A; FICO 720-739; Minimum Amount: 1,000; Maximum Loan Amount = $30,000
No additional details available.
Up to $15,000
Maximum Amount: N/A; Maximum Term: N/A; Maximum L-T-V: Per Collateral Review; Monthly payment per $1,000: N/A
As Low As; Annual Percentage Rate; Rates effective as of 12/30/2025; Personal loans up to a maximum of $25,000.00, open end loan, advances must be at a minimum of $1,000.00; Membership restricted to employees of the Town of Arlington, MA. (or family members)
As Low As; Maximum $10,000
FICO Score: 650-699; Maximum loan $10,000; Additional Requirements: 1 Current Pay Stub
As Low As; Maximum loan limit $10,000 for qualified borrowers; APR includes 1.00% discount for automatic monthly payment; Individual borrower limits subject to approval; Longer terms available for qualified borrowers
No additional details available.
As Low As; APR*: As low as 8.75%
As Low As; Maximum Limit: $25,000.00
No additional details available.
As Low As; Loan rate as low as 8.90%, risk based, rate shown is for "A" rating
Up to $10,000; CU will pay vendors directly; current SMEFCU Loans are not eligible
Credit Grade: B; FICO 700-719; Minimum Amount: 1,000; Maximum Loan Amount = $30,000
Up to $15,000
As Low As; Rates shown are lowest rate; Payment per $1,000: $37.34; Qualification restrictions apply
As Low As; Term in Years: 1; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
Loan amount minimum / maximum: $500 / $20,000; APR = Annual Percentage Rate
As Low As; The maximum unsecured Loan is $20,000.00 per Member; $20 application fee for credit reports; APR determined by personal credit history; best credit score rates quoted
Personal Loans ($500 to Max. of $25,000); Payment Per Thousand not extracted
No additional details available.
Lowest APR available on approved credit; APR current as of 10/26/2026; add .50% if automatic payment not selected; minimum loan $4,000; minimum credit score 730; maximum term 36 months
- Oct 31, 20269.04%▲ from 6.99%
- Oct 14, 20266.99%first recorded
Personal Loan Rates section
As Low As; Featured Rates homepage card
$5,001.00; Amount: $5,001.00 to $10,000.00; Model Year: 2020 - 2021
No additional details available.
As Low As; Rates include 0.50% APR discount for qualifying recurring direct deposit
- Oct 1, 20269.25%▲ from 9.00%
- Sep 14, 20269.00%first recorded
As Low As; Loan amount $500 to $50,000; Based on 60 months; APR includes .500% discount for automatic payments from a Workers Checking Account
As Low As; Rates shown are lowest rate; Payment per $1,000: $25.12; Qualification restrictions apply
Energy Efficiency Loans; Loan amount: $5,000 - $35,000; Apply Online; All closings will be in person at a Cape Cod 5 Banking Center
As Low As; Maximum loan limit $10,000 for qualified borrowers; APR includes 1.00% discount for automatic monthly payment; Individual borrower limits subject to approval; Longer terms available for qualified borrowers
As Low As; Standard APR: 10.500%; Business signature loan rates reflect up to 1.00% relationship discount
The maximum unsecured Loan is $20,000.00 per Member; $20 application fee for credit reports; APR determined by personal credit history; best credit score rates quoted
As Low As; Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. *APR is Annual Percentage Rate.
- Oct 15, 20269.50%▲ from 9.00%
- Sep 14, 20269.00%first recorded
As Low As; Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. *APR is Annual Percentage Rate.
- Oct 15, 20269.50%▲ from 9.00%
- Sep 14, 20269.00%first recorded
As Low As; Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. *APR is Annual Percentage Rate.
- Oct 15, 20269.50%▲ from 9.00%
- Sep 14, 20269.00%first recorded
No additional details available.
As Low As; Up to $20,000 (Maximum); Based on Credit Score
As Low As; Maximum loan amount of $25,000.00
Monthly payment per $1,000 borrowed: $32.15; $5,000.00 maximum loan; 3 year maximum loan term
As Low As; Standard APR: 10.750%; Business signature loan rates reflect up to 1.00% relationship discount
The maximum unsecured Loan is $20,000.00 per Member; $20 application fee for credit reports; APR determined by personal credit history; best credit score rates quoted
As Low As; Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. *APR is Annual Percentage Rate.
- Oct 15, 20269.75%▲ from 9.25%
- Sep 14, 20269.25%first recorded
As Low As; Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. *APR is Annual Percentage Rate.
- Oct 15, 20269.75%▲ from 9.25%
- Sep 14, 20269.25%first recorded
As Low As; Amount: $25,000.00; APR based on current credit rating
As Low As; Maximum Limit: $25,000.00
Amount: $5,000 Maximum
$15,000; As Low As; Personal Loans
Personal Loan; Applicants must qualify for membership with NESC Credit Union
Loan amount: Up to $7,500.00; APR = Annual Percentage Rate. Subject to credit approval
Up to $10,000; CU will pay vendors directly; current SMEFCU Loans are not eligible
Credit Grade: C; FICO 680-699; Minimum Amount: 1,000; Maximum Loan Amount = $30,000
No additional details available.
up to $2500; As Low As; Subject to credit approval
APR*
Up to $15,000
As Low As; Maximum loan amount of $25,000.00
Maximum Loan: $25,000.00; Membership eligibility required
- Sep 18, 20269.99%▲ from 8.99%
- Sep 14, 20268.99%first recorded
As Low As; Homepage featured rate
As Low As; Interest rate based on applicant's credit score; Maximum Loan Amount is $20,000.00
Maximum loan amount of $15,000
As Low As; Effective Date: Thursday, October 29th, 2026
As Low As; Max. Amount: $15,000
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
Term in Years: 1; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Term in Years: 2; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Standard APR: 11.000%; Business signature loan rates reflect up to 1.00% relationship discount
As Low As; Max Loan Amount: $25,000.00; Min. Down Payment:
As Low As; Max Loan Amount: $25,000.00; Min. Down Payment:
As Low As; Max Loan Amount: $25,000.00; Min. Down Payment:
As Low As; Max Loan Amount: $25,000.00; Min. Down Payment:
As Low As; Max Loan Amount: $25,000.00; Min. Down Payment:
Loan amount minimum / maximum: $500 / $20,000; APR = Annual Percentage Rate
The maximum unsecured Loan is $20,000.00 per Member; $20 application fee for credit reports; APR determined by personal credit history; best credit score rates quoted
Rate subject to credit approval
As Low As; Payment per $1000 borrowed: $21.25 ($5,000 loan for five years.); Rate assumes automatic payment from MMFCU account; manual payment adds 0.25%
- Oct 9, 202610.00%▲ from 9.75%
- Sep 17, 20269.75%first recorded
Personal Loans ($500 to Max. of $25,000)
FICO Score: 600-649; Maximum loan $10,000; Additional Requirements: 1 Current Pay Stub
As Low As; Maximum loan amount of $25,000.00
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
Loan amounts up to $10,000; Advertised APRs are the lowest available
As Low As; Effective: February 20, 2024
Maximum Loan: $35,000.00; Effective Date: December 19, 2025
As Low As; Maximum loan limit $10,000 for qualified borrowers; APR includes 1.00% discount for automatic monthly payment; Individual borrower limits subject to approval; Longer terms available for qualified borrowers
No additional details available.
Term: Maximum term to 36 months; As Low As
As Low As; Loan amount up to $12,500
The maximum unsecured Loan is $20,000.00 per Member; $20 application fee for credit reports; APR determined by personal credit history; best credit score rates quoted
As Low As; Maximum Term = 48 months; Pmt per $1,000: $25.60
As Low As; Maximum Term = 48 months
Credit Score: 700 - up; Max Amount: $15,000
Credit Score: 700 - up; Max Amount: $10,000
FICO Score: 790+; Max Amount: $15,000.00
As Low As; Maximum Limit: $25,000.00
As Low As; Rates include 0.50% APR discount for qualifying recurring direct deposit
- Oct 1, 202610.75%▲ from 10.50%
- Sep 14, 202610.50%first recorded
Borrow from $1,000 - $50,000; Rates shown are based on 740 credit score or greater
$15,000; As Low As; Personal Loans
As Low As; Minimum payment $50; Max loan amount $30,000; Minimum credit score of 500 required
Credit Grade: D; FICO 660-679; Minimum Amount: 1,000; Maximum Loan Amount = $30,000
$2501; As Low As; Subject to credit approval
As Low As; Must be a member of First Priority Credit Union for 6 months to be eligible for a Personal Loan
Loan amounts $10,001 - $15,000; Advertised APRs are the lowest available
APR*
Maximum Loan: $25,000.00; Membership eligibility required
- Sep 18, 202610.99%▲ from 9.99%
- Sep 14, 20269.99%first recorded
As Low As; Monthly payment per $1,000 borrowed $32.73; Min loan amount $3,000; Max loan amount $10,000 per borrower; APR based on credit score and overall relationship with Homefield Credit Union
As Low As; Monthly payment per $1,000 borrowed $25.84; Min loan amount $3,000; Max loan amount $10,000 per borrower; APR based on credit score and overall relationship with Homefield Credit Union
As Low As; Monthly payment per $1,000 borrowed $21.73; Min loan amount $3,000; Max loan amount $10,000 per borrower; APR based on credit score and overall relationship with Homefield Credit Union
Maximum loan amount of $15,000
As Low As; Effective Date: Thursday, October 29th, 2026
As Low As; Effective Date: Thursday, October 29th, 2026
Loan amount: $1,000-$20,000
No additional details available.
Loan amount: $1,000-$20,000
As Low As; 0.25% discount for auto-payment from a Newburyport Bank deposit account
As Low As; Minimum & maximum loan amount: $1,000-$20,000; Monthly payment per $1,000 borrowed: $21.75; 0.25% auto-payment discount available from a Newburyport Bank deposit account
As Low As; Max. Amount: $10,000
Risk > 700; Maximum Amount: $10,000
Term in Years: 2; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Term in Years: 3; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
Loan amount minimum / maximum: $500 / $20,000; APR = Annual Percentage Rate
As Low As; Rates apply to bill consolidation loans greater than $10,000.00; reflects a 0.25% discount for automatic payment deducted from qualified SFCU account; APR is Annual Percentage Rate
- Sep 24, 202611.00%▲ from 10.00%
- Sep 17, 202610.00%first recorded
As Low As; Today's Featured Rates (October 29, 2026)
North Scituate Personal Loan Rates
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
FICO Score: 700 or more; Maximum loan $10,000; Additional Requirements: 1 Current Pay Stub
As Low As; Rates shown are lowest rate; Payment per $1,000: $58.91; Qualification restrictions apply
Rate range: 7.5% or 10.0% APR for up to 36 months; Up to 106.25% financing available for qualified members, terms available with certain restrictions and nominal rate increase; Rates are based on the term of loan and credit history
- Oct 23, 20267.50%▼ from 10.00%
- Oct 15, 202610.00%▲ from 7.50%
- Sep 16, 20267.50%first recorded
Published APR range: As low as 7.50%. As Low As; Amount: $20,000; Number of Signatures: 1
As Low As; Annual Percentage Rate
As Low As; Max $25,000; Payment per $1,000 not extracted
No additional details available.
Up to $15,000
Maximum Amount: N/A; Maximum Term: N/A; Maximum L-T-V: Per Collateral Review; Monthly payment per $1,000: N/A
As Low As; Annual Percentage Rate; Rates effective as of 12/30/2025; Personal loans up to a maximum of $25,000.00, open end loan, advances must be at a minimum of $1,000.00; Membership restricted to employees of the Town of Arlington, MA. (or family members)
As Low As; Maximum $10,000
FICO Score: 650-699; Maximum loan $10,000; Additional Requirements: 1 Current Pay Stub
No additional details available.
As Low As; APR*: As low as 8.75%
As Low As; Maximum Limit: $25,000.00
No additional details available.
As Low As; Loan rate as low as 8.90%, risk based, rate shown is for "A" rating
Up to $15,000
As Low As; Rates shown are lowest rate; Payment per $1,000: $37.34; Qualification restrictions apply
As Low As; Term in Years: 1; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
Loan amount minimum / maximum: $500 / $20,000; APR = Annual Percentage Rate
Personal Loans ($500 to Max. of $25,000); Payment Per Thousand not extracted
No additional details available.
Lowest APR available on approved credit; APR current as of 10/26/2026; add .50% if automatic payment not selected; minimum loan $4,000; minimum credit score 730; maximum term 36 months
- Oct 31, 20269.04%▲ from 6.99%
- Oct 14, 20266.99%first recorded
Personal Loan Rates section
As Low As; Featured Rates homepage card
$5,001.00; Amount: $5,001.00 to $10,000.00; Model Year: 2020 - 2021
No additional details available.
As Low As; Loan amount $500 to $50,000; Based on 60 months; APR includes .500% discount for automatic payments from a Workers Checking Account
As Low As; Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. *APR is Annual Percentage Rate.
- Oct 15, 20269.50%▲ from 9.00%
- Sep 14, 20269.00%first recorded
As Low As; Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. *APR is Annual Percentage Rate.
- Oct 15, 20269.50%▲ from 9.00%
- Sep 14, 20269.00%first recorded
As Low As; Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. *APR is Annual Percentage Rate.
- Oct 15, 20269.50%▲ from 9.00%
- Sep 14, 20269.00%first recorded
No additional details available.
As Low As; Up to $20,000 (Maximum); Based on Credit Score
As Low As; Maximum loan amount of $25,000.00
Monthly payment per $1,000 borrowed: $32.15; $5,000.00 maximum loan; 3 year maximum loan term
As Low As; Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. *APR is Annual Percentage Rate.
- Oct 15, 20269.75%▲ from 9.25%
- Sep 14, 20269.25%first recorded
As Low As; Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. *APR is Annual Percentage Rate.
- Oct 15, 20269.75%▲ from 9.25%
- Sep 14, 20269.25%first recorded
As Low As; Maximum Limit: $25,000.00
Amount: $5,000 Maximum
Loan amount: Up to $7,500.00; APR = Annual Percentage Rate. Subject to credit approval
No additional details available.
up to $2500; As Low As; Subject to credit approval
APR*
Up to $15,000
As Low As; Maximum loan amount of $25,000.00
Maximum Loan: $25,000.00; Membership eligibility required
- Sep 18, 20269.99%▲ from 8.99%
- Sep 14, 20268.99%first recorded
As Low As; Homepage featured rate
Maximum loan amount of $15,000
As Low As; Max. Amount: $15,000
Term in Years: 1; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Term in Years: 2; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
Loan amount minimum / maximum: $500 / $20,000; APR = Annual Percentage Rate
Rate subject to credit approval
As Low As; Payment per $1000 borrowed: $21.25 ($5,000 loan for five years.); Rate assumes automatic payment from MMFCU account; manual payment adds 0.25%
- Oct 9, 202610.00%▲ from 9.75%
- Sep 17, 20269.75%first recorded
Personal Loans ($500 to Max. of $25,000)
FICO Score: 600-649; Maximum loan $10,000; Additional Requirements: 1 Current Pay Stub
As Low As; Maximum loan amount of $25,000.00
As Low As; Effective: February 20, 2024
No additional details available.
Term: Maximum term to 36 months; As Low As
As Low As; Loan amount up to $12,500
As Low As; Maximum Term = 48 months
As Low As; Maximum Limit: $25,000.00
$2501; As Low As; Subject to credit approval
As Low As; Must be a member of First Priority Credit Union for 6 months to be eligible for a Personal Loan
APR*
Maximum Loan: $25,000.00; Membership eligibility required
- Sep 18, 202610.99%▲ from 9.99%
- Sep 14, 20269.99%first recorded
As Low As; Monthly payment per $1,000 borrowed $32.73; Min loan amount $3,000; Max loan amount $10,000 per borrower; APR based on credit score and overall relationship with Homefield Credit Union
As Low As; Monthly payment per $1,000 borrowed $25.84; Min loan amount $3,000; Max loan amount $10,000 per borrower; APR based on credit score and overall relationship with Homefield Credit Union
As Low As; Monthly payment per $1,000 borrowed $21.73; Min loan amount $3,000; Max loan amount $10,000 per borrower; APR based on credit score and overall relationship with Homefield Credit Union
Maximum loan amount of $15,000
Loan amount: $1,000-$20,000
No additional details available.
Loan amount: $1,000-$20,000
As Low As; 0.25% discount for auto-payment from a Newburyport Bank deposit account
As Low As; Minimum & maximum loan amount: $1,000-$20,000; Monthly payment per $1,000 borrowed: $21.75; 0.25% auto-payment discount available from a Newburyport Bank deposit account
As Low As; Max. Amount: $10,000
Risk > 700; Maximum Amount: $10,000
Term in Years: 2; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Term in Years: 3; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
Loan amount minimum / maximum: $500 / $20,000; APR = Annual Percentage Rate
As Low As; Today's Featured Rates (October 29, 2026)
North Scituate Debt Consolidation Loan Rates
$15,000; As Low As; Personal Loans
Credit Score: 700 - up; Max Amount: $15,000
As Low As; Rates apply to bill consolidation loans greater than $10,000.00; reflects a 0.25% discount for automatic payment deducted from qualified SFCU account; APR is Annual Percentage Rate
- Sep 24, 202611.00%▲ from 10.00%
- Sep 17, 202610.00%first recorded
As Low As; Rates apply to bill consolidation loans greater than $10,000.00; reflects a 0.25% discount for automatic payment deducted from qualified SFCU account; APR is Annual Percentage Rate
Credit Score: 699 - 650; Max Amount: $15,000
FICO Score: 790+; Max Amount: $15,000.00
Credit Score: 649 - 600; Max Amount: $15,000
FICO Score: 720-789; Max Amount: $15,000.00
Credit Score: 599 or less; Max Amount: $15,000
Amount: $15,000 Maximum; Rates for loans paid through payroll deduction or automatic payment
FICO Score: 670-719; Max Amount: $15,000.00
No additional details available.
FICO Score: 630-669; Max Amount: $10,000.00
FICO Score: 500-629; Max Amount: $7,500.00
North Scituate Signature Loan Rates
As Low As; Maximum loan limit $10,000 for qualified borrowers; APR includes 1.00% discount for automatic monthly payment; Individual borrower limits subject to approval; Longer terms available for qualified borrowers
Personal Loan Rates section
As Low As; Maximum loan limit $10,000 for qualified borrowers; APR includes 1.00% discount for automatic monthly payment; Individual borrower limits subject to approval; Longer terms available for qualified borrowers
As Low As; Standard APR: 10.500%; Business signature loan rates reflect up to 1.00% relationship discount
As Low As; Standard APR: 10.750%; Business signature loan rates reflect up to 1.00% relationship discount
As Low As; Standard APR: 11.000%; Business signature loan rates reflect up to 1.00% relationship discount
As Low As; Maximum loan limit $10,000 for qualified borrowers; APR includes 1.00% discount for automatic monthly payment; Individual borrower limits subject to approval; Longer terms available for qualified borrowers
Credit Score: 700 - up; Max Amount: $10,000
$15,000; As Low As; Personal Loans
North Scituate, MA Personal Loan Rate Trends
Compare local North Scituate, 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 0.009 points over the past 7 days to 11.430% APR.
Massachusetts signature loan rates rose 0.164 points over the past 7 days to 10.660% APR.
North Scituate, MA Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Massachusetts figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current MA average personal loan APR of 11.43%, across the terms lenders serving North Scituate, Massachusetts most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $234.04/mo | $164.71/mo | $130.27/mo | $109.79/mo |
| $10,000 | $468.08/mo | $329.43/mo | $260.55/mo | $219.58/mo |
| $15,000 | $702.12/mo | $494.14/mo | $390.82/mo | $329.36/mo |
| $25,000 | $1,170.19/mo | $823.57/mo | $651.37/mo | $548.94/mo |
| $35,000 | $1,638.27/mo | $1,153.00/mo | $911.92/mo | $768.51/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in North Scituate, Massachusetts
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the MA personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (MA average) | 11.43% | $390.82 | $3,760 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,390 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,925 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,517 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in North Scituate, Massachusetts
Prequalify With a Soft Credit Check
Most lenders serving North Scituate, Massachusetts will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Massachusetts data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured North Scituate, Massachusetts auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a North Scituate, Massachusetts high-yield savings account costs nothing and earns interest instead of paying it
North Scituate, Massachusetts Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $391 monthly loan payment is roughly 7.9% of the median individual income in North Scituate, Massachusetts. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in North Scituate, Massachusetts.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1 to 3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3 to 5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current MA average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our North Scituate, 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 North Scituate, 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 North Scituate, 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.
Personal Loans for Bad Credit in North Scituate, Massachusetts
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
Frequently Asked Questions
What are personal loan rates in North Scituate, Massachusetts today?
What credit score do I need for a personal loan in North Scituate, Massachusetts?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in North Scituate, Massachusetts?
Are credit unions or banks better for personal loans in North Scituate, Massachusetts?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
Can I get a personal loan with bad credit in North Scituate, Massachusetts?
What is the maximum APR on a bad credit personal loan from a credit union?
What are the best personal loan rates in North Scituate, Massachusetts?
- Haverhill Fire Department Credit Union: 4.49% (Share Secured/Credit Building Loan)
- Westfield Bank: 6.25% (Pool & Spa 12 Months Loan)
- Tewksbury Credit Union: 6.75% (Personal Unsecured Loans)
- UMassFive College Federal Credit Union: 6.88% (MySolar Loan)
- Notre Dame Community Federal Credit Union: 6.99% (Unsecured Loan Closed End Special)
North Scituate, Massachusetts Rates & Resources
Personal Loan Calculators
