Best Personal Loan Rates in Lincoln, Nebraska (NE) - 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 Lincoln, Nebraska include: Liberty First Credit UnionLiberty First Credit Union501 N 46th St, Lincoln, NE, 68503 3718A5.0 ★Texas Ratio: 7.80% offering Fixed, 80% Loan to Value at 5.75% APR, Sun Pacific Federal Credit UnionSun Pacific Federal Credit Union1345 Old Cheney Rd, Lincoln, NE, 68512 1266A+5.0 ★Texas Ratio: 3.66% offering Personal/Unsecured at 7.99% APR, University of Nebraska Federal Credit UnionUniversity of Nebraska Federal Credit Union1720 P St, Lincoln, NE, 68508A+5.0 ★Texas Ratio: 3.72% offering Personal Loan at 10.99% APR, Lincoln SDA Credit UnionLincoln SDA Credit Union4733 Prescott Ave, Lincoln, NE, 68506 5456A+5.0 ★Texas Ratio: 5.41% offering Personal Loans at 12.00% APR, and MembersOwn Credit UnionMembersOwn Credit Union1391 S 33rd St, Lincoln, NE, 68510 4508A5.0 ★Texas Ratio: 6.45% offering Personal Installment at 12.60% APR. Personal loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Lincoln has 5 local institutions in our database, with personal loan rates as low as 5.75% APR from Liberty First Credit Union at 501 N 46th St, Lincoln, NE, 68503 3718. 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 Lincoln, Nebraska.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lincoln, Nebraska. 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 10, 2026
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$20 processing fee
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Use the money in your account as Collateral for a loan
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Up To $4000.00
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Credit Score Ranking A & B
$1,000 Maximum
Loan rates listed above available for well-qualified members. Your loan rate may vary, depending on your credit score, loan term, and loan type.
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40% Debt Ratio - $2,500
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$7000
$5,000 Max
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Base rate
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Loan rates listed above available for well-qualified members. Your loan rate may vary, depending on your credit score, loan term, and loan type.
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Lincoln, NE Personal Loan Rate Trends
Compare local Lincoln, NE 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.
Nebraska personal loan rates currently average 11.328% APR.
Nebraska signature loan rates rose 0.046 points over the past 7 days to 11.053% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Nebraska?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Nebraska?
Are credit unions or banks better for personal loans in Lincoln, Nebraska?
What are the best personal loan rates in Lincoln, Nebraska?
- Liberty First Credit Union: 5.75% (Fixed, 80% Loan to Value)
- Sun Pacific Federal Credit Union: 7.99% (Personal/Unsecured)
- University of Nebraska Federal Credit Union: 10.99% (Personal Loan)
- Lincoln SDA Credit Union: 12.00% (Personal Loans)
- MembersOwn Credit Union: 12.60% (Personal Installment)
Personal Loan Calculators
