Brian McKay
Current personal loan options available to borrowers in Madison, New Hampshire include: Align Credit UnionAlign Credit UnionA5.0 ★Texas Ratio: 11.01% offering Personal Loan at 8.75% APR, Savings Bank of WalpoleSavings Bank of WalpoleA+5.0 ★Texas Ratio: 2.54% offering Solar Program Loan at 8.79% APR, MVSBMVSBA+5.0 ★Texas Ratio: 3.81% offering Solar Program Loan at 8.81% APR, Merrimack County SBMerrimack County SBA5.0 ★Texas Ratio: 6.07% offering Solar Program Loan at 8.81% APR, and NBT BankNBT BankA+5.0 ★Texas Ratio: 3.51% offering Personal Loan Unsecured at 9.04% APR. Personal loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Madison borrowers have access to 17 lenders serving the New Hampshire area, with personal loan rates as low as 8.75% APR from Align 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 Madison, New Hampshire.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Madison, New Hampshire. 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: September 16, 2026
No additional details available.
Loan Amounts: $5,000 - $25,000; Minimum Credit Score: 725; Ucc Fee: Up to $72.25; Doc Fee: $50.00
Loan Amount Example: $25,000.00; Solar Program $5,000.00 - $25,000.00
Loan Amount Example: $25,000.00
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, minimum credit score is 730. 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 07/20/2026 and is subject to change. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
Credit Range: 730+; Grade: A+
Loan Amounts: $25,001 - $40,000; Minimum Credit Score: 725; Ucc Fee: Up to $72.25; Doc Fee: $50.00
Loan Amount Example: $40,000.00; Solar Program $25,001.00-$40,000.00
Loan Amount Example: $40,000.00
No additional details available.
Credit Range: 680-729; Grade: A
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; Loan Term in Months is blank
No additional details available.
Credit Range: 640-679; Grade: B
Credit Range: 600-639; Grade: C
Rates effective 09-13-2026; APR based on $10,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
As Low As; Loan Term in Months is blank
As Low As
Minimum & maximum loan amount: $1,000-$20,000
Maximum loan amount $7500
No additional details available.
Rates effective 09-13-2026; APR based on $10,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Credit Range: 640-679; Grade: B
Rates effective 09-13-2026; APR based on $10,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
$75,000 Maximum
Maximum Loan Amount: $10,000.00; Example Amount: $10,000.00; Doc Fee: $50.00
Rates effective 09-13-2026; APR based on $10,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Rates effective 09-13-2026; APR based on $30,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Rates effective 09-13-2026; APR based on $10,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
No additional details available.
No additional details available.
No additional details available.
Rates effective 09-13-2026; APR based on $30,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
up to $15,000
Credit Range: 600-639; Grade: C
Rates effective 09-13-2026; APR based on $30,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Rates effective 09-13-2026; APR based on $30,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Rates effective 09-13-2026; APR based on $30,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
No additional details available.
up to $15,000
No additional details available.
No additional details available.
Credit Range: 550-599; Grade: D
Credit Range: 550-599; Grade: D
No additional details available.
Credit Range: 549-LESS; Grade: E
Credit Range: 549-LESS; Grade: E
No additional details available.
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, minimum credit score is 730. 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 07/20/2026 and is subject to change. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
Credit Range: 730+; Grade: A+
No additional details available.
Credit Range: 680-729; Grade: A
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
Credit Range: 640-679; Grade: B
Credit Range: 600-639; Grade: C
Rates effective 09-13-2026; APR based on $10,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Minimum & maximum loan amount: $1,000-$20,000
Maximum loan amount $7500
No additional details available.
Rates effective 09-13-2026; APR based on $10,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Credit Range: 640-679; Grade: B
Rates effective 09-13-2026; APR based on $10,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Rates effective 09-13-2026; APR based on $10,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Rates effective 09-13-2026; APR based on $30,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Rates effective 09-13-2026; APR based on $10,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
No additional details available.
Rates effective 09-13-2026; APR based on $30,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Credit Range: 600-639; Grade: C
Rates effective 09-13-2026; APR based on $30,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Rates effective 09-13-2026; APR based on $30,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
Rates effective 09-13-2026; APR based on $30,000 loan + $95 origination fee; Rates may vary based on creditworthiness and term; Rates remain in effect for life of loan once disbursed; Estimated monthly payment does not reflect additional cost of insurances; Additional rates and terms available.
No additional details available.
No additional details available.
No additional details available.
Credit Range: 550-599; Grade: D
Credit Range: 550-599; Grade: D
No additional details available.
Credit Range: 549-LESS; Grade: E
Credit Range: 549-LESS; Grade: E
No additional details available.
No additional details available.
No additional details available.
$75,000 Maximum
Compare local Madison, NH 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.
New Hampshire personal loan rates rose 0.035 points over the past 7 days to 11.733% APR.
New Hampshire signature loan rates rose 0.178 points over the past 7 days to 11.205% APR.
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 New Hampshire figures.
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.
Estimated monthly payments at the current NH average personal loan APR of 11.73%, across the terms lenders serving Madison, New Hampshire 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 | $234.74/mo | $165.43/mo | $131.01/mo | $110.55/mo |
| $10,000 | $469.49/mo | $330.87/mo | $262.03/mo | $221.10/mo |
| $15,000 | $704.23/mo | $496.30/mo | $393.04/mo | $331.64/mo |
| $25,000 | $1,173.72/mo | $827.17/mo | $655.07/mo | $552.74/mo |
| $35,000 | $1,643.20/mo | $1,158.03/mo | $917.09/mo | $773.83/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.
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 NH personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (NH average) | 11.73% | $393.04 | $3,866 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,284 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,818 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,411 |
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.
Most lenders serving Madison, New Hampshire 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.
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.
Credit unions consistently publish the lowest personal loan APRs in our New Hampshire 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.
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.
Local demographics and economic context for borrowers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $393 monthly loan payment is roughly 9.0% of the median individual income in New Hampshire. 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.
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 Madison, New Hampshire.
| 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 1–3 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 3–5% | ● 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.
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current NH 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.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Madison, New Hampshire 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 Madison, New Hampshire 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 Madison, New Hampshire. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NH.
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.