Best Personal Loan Rates in Wareham, Massachusetts (MA) - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Wareham, Massachusetts include: Southcoast Federal Credit UnionSouthcoast Federal Credit Union43 High St, Wareham, MA, 02571A+5.0 ★Texas Ratio: 1.60% offering Debt Consolidation Program at 4.99% APR, Plymouth County Teachers Federal Credit UnionPlymouth County Teachers Federal Credit Union7 Viking Dr, Wareham, MA, 02571A5.0 ★Texas Ratio: 10.45% offering Vacation Loan at 6.49% APR, Cape Cod Five Cents Savings BankCape Cod Five Cents Savings Bank10 Rosebrook Pl, Wareham, MA, 02571A+5.0 ★Texas Ratio: 1.90% offering Unsecured Solar Loan at 9.50% APR, TrustCo BankTrustCo Bank5 Cheshire Rd, Pittsfield, MA, 01201A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, and Metro Credit UnionMetro Credit Union200 Revere Beach Pkwy, Chelsea, MA, 02150 1608A+5.0 ★Texas Ratio: 1.57% offering Credit Builder Loan at 4.10% APR.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Wareham, Massachusetts can save you significantly over the life of your loan.
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 Wareham, Massachusetts.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Wareham, 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: March 21, 2026
Maximum Amount: 10,000; Platinum 740+
As Low As
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INTRO CREDIT is intended to assist applicants to establish a credit profile. Applicants with a limited credit profile of no more than 3 reported accounts are eligible with an acceptable credit history. INTRO CREDIT is not intended to repair credit or for applicants with established credit profiles of more than 3 reported accounts; Minimum loan amount $750 with ASB, A Division of Cornerstone Bank $500 deposit; Maximum loan amount $1,500 with ASB, A Division of Cornerstone Bank $1,000 deposit; ASB, A Division of Cornerstone Bank Deposit account pledged as collateral; Loan to Value maximum of 150%; Various terms available; 0.25% Interest Rate reduction with Automatic Payment from an ASB, A Division of Cornerstone Bank account; Consumer Credit Report Required
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As Low As; Maximum of $1,500.00 up to 12 months
As Low As; 9.99%
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or 3.00% above the APY of the account securing the loan, whichever is greater
As Low As; 10.31%APR
Your interest rate and monthly payments can fluctuate during the repayment period.
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Auto Pay
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$2,000 Maximum
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Up to $5,000
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30-Year Rates As Low As; Primary Residence
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As Low As; Prime
As Low As; Terms from 36 to 84 months with Direct Deposit
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As Low As
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 02/17/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
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Amount: One Signature - $5,000.00, Two Signatures - $10,000.00
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Minimum $5,000.00 / Maximum $10,000.00
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Vacation Loans up to $2500 @ 7% from June 1 to August 31. Must be paid in full by the following June.
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As Low As; Low Fixed Rates
Up to $5,000
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As Low As; Maximum $5,000
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As Low As; Borrow up to $2,500
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As Low As; *Subject to credit approval. Annual Percentage Rate (APR) may vary based on your personal credit history. 7.75% APR is for a 700+FICO Score and 12-month term. The example payment would be 12 monthly installments of $86.85 per $1000 borrowed. Limited time offer. APR effective until 05/31/2026. Existing balances do not qualify for the promotional rate. Credit Union membership required. Members must maintain a $5 deposit relationship.
As Low As
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FIXED APR WITH AUTO PAY
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
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Up to $15,000
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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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Up to $5,000
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As Low As
As Low As; Terms from 24 to 72 months with Direct Deposit
As Low as; Maximum $3,000
Savings Secured
As low as; Maximum $2,400
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; Subject to credit approval. Annual Percentage Rate (APR) may vary based on your personal credit history. 8.75% rate is for a 700+FICO Score and 36-month term. The established payment would be 36 monthly installments of $31.69 per $1,000 borrowed. APR effective 03/13/2026. Credit Union membership required. Members must maintain a $5 deposit relationship.
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Up to $15,000
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$5,001.00 to $10,000.00
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or 3.00% above the APY of the account securing the loan, whichever is greater
As Low As
As Low As
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 02/17/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
Minimum $5,000.00 / Maximum $10,000.00
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FIXED APR WITH AUTO PAY
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
Up to $15,000
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As Low As
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As Low As; Maximum $10,000
As Low As; Terms from 24 to 72 months with Direct Deposit
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As Low As; Subject to credit approval. Annual Percentage Rate (APR) may vary based on your personal credit history. 8.75% rate is for a 700+FICO Score and 36-month term. The established payment would be 36 monthly installments of $31.69 per $1,000 borrowed. APR effective 03/13/2026. Credit Union membership required. Members must maintain a $5 deposit relationship.
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As Low As
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Up to $15,000
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Maximum Amount: 10,000; Platinum 740+
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FICO Score 790+
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FICO Score 720 -789
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$15,000 Maximum
FICO Score 670 - 719
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FICO Score 630 - 669
FICO Score 500 - 629
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.
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 Wareham, Massachusetts?
What are the best personal loan rates in Wareham, Massachusetts?
- Southcoast Federal Credit Union: 4.99% (Debt Consolidation Program)
- Plymouth County Teachers Federal Credit Union: 6.49% (Vacation Loan)
- Cape Cod Five Cents Savings Bank: 9.50% (Unsecured Solar Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Metro Credit Union: 4.10% (Credit Builder Loan)
Personal Loan Calculators
