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Best Personal Loan Rates in Manchester, New Hampshire (NH) - May 2026

Current personal loan options available to borrowers in Manchester, New Hampshire include: Granite State Credit UnionGranite State Credit Union1415 Elm St, Manchester, NH, 03101 1325A+5.0 ★Texas Ratio: 5.41% offering Other Collateral Loans 2019-2026 at 4.39% APR, Members First Credit Union of NHMembers First Credit Union of NH7 Salmon St, Manchester, NH, 03104 3027A+5.0 ★Texas Ratio: 4.15% offering Land Loan at 8.32% APR, Bangor Savings BankBangor Savings Bank999 And 1001 Elm Street, Manchester, NH, 03101A+5.0 ★Texas Ratio: 2.55% offering Investment Property Loan at 8.75% APR, Service Federal Credit UnionService Federal Credit Union1895 S Willow St, Manchester, NH, 03103 2363A5.0 ★Texas Ratio: 11.03% offering Energy Efficiency Loan at 9.24% APR, and Bellwether Community Credit UnionBellwether Community Credit Union425 Hooksett Rd, Manchester, NH, 03104A+5.0 ★Texas Ratio: 1.61% offering Personal Loan at 9.75% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Manchester has 8 local institutions in our database, with personal loan rates as low as 4.39% APR from Granite State Credit Union at 1415 Elm St, Manchester, NH, 03101 1325. 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 Manchester, New Hampshire.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Manchester, 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: May 12, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Other Collateral Loans 2019-2026
4.39%
APR4.39%
Last UpdatedMay 13, 2026
Details

As Low As

Members First Credit Union of NH
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
7 Salmon St, Manchester, NH, 03104 3027
Land Loan
8.32%
APR8.32%
Last UpdatedMay 13, 2026
Details

As Low As

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
999 And 1001 Elm Street, Manchester, NH, 03101
Investment Property Loan
8.75%
APR8.75%
Last UpdatedMay 13, 2026
Details

Loan Amount ?$10,000; Collateral Type Investment Property (60% LTV) Max $250,000; (Prime + 2.00%)

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Other Collateral Loans 2019-2026
8.86%
APR8.86%
Last UpdatedMay 13, 2026
Details

As Low As

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
1895 S Willow St, Manchester, NH, 03103 2363
Energy Efficiency Loan
9.24%
APR9.24%
Last UpdatedMay 13, 2026
Details

As Low As

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Other Collateral Loans 2019-2026
9.34%
APR9.34%
Last UpdatedMay 13, 2026
Details

As Low As

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Other Collateral Loans 2019-2026
9.58%
APR9.58%
Last UpdatedMay 13, 2026
Details

As Low As

Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
425 Hooksett Rd, Manchester, NH, 03104
Personal Loan
9.75%
APR9.75%
Last UpdatedMay 13, 2026
Details

As Low As

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Other Collateral Loans 2019-2026
9.82%
APR9.82%
Last UpdatedMay 13, 2026
Details

As Low As

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Other Collateral Loans 2018 & Older
9.84%
APR9.84%
Last UpdatedMay 13, 2026
Details

As Low As

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Other Collateral Loans 2019-2026
10.06%
APR10.06%
Last UpdatedMay 13, 2026
Details

As Low As

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
1895 S Willow St, Manchester, NH, 03103 2363
Personal Loan
10.49%
APR10.49%
Last UpdatedMay 13, 2026
Details

As Low As

New Hampshire Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
955 Goffs Falls Rd, Manchester, NH, 03103
Mini Loans
10.50%
APR10.50%
Last UpdatedMay 13, 2026
Details

(New Money Only)

Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
257 Elm St, Manchester, NH, 03101
Personal Loans
10.99%
APR10.99%
Last UpdatedMay 13, 2026
Details

No additional details available.

Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
257 Elm St, Manchester, NH, 03101
Personal Loan
10.99%
APR10.99%
Last UpdatedMay 13, 2026
Details

As Low As

Members First Credit Union of NH
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
7 Salmon St, Manchester, NH, 03104 3027
Personal Unsecured
11.00%
APR11.00%
Last UpdatedMay 13, 2026
Details

As Low As

New Hampshire Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
955 Goffs Falls Rd, Manchester, NH, 03103
Personal Loans
11.00%
APR11.00%
Last UpdatedMay 13, 2026
Details

($7500 max)

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
159 Frontage Rd, Manchester, NH, 03103 6013
Personal
11.00%
APR11.00%
Last UpdatedMay 13, 2026
Details

No additional details available.

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
159 Frontage Rd, Manchester, NH, 03103 6013
Personal Loan
11.00%
APR11.00%
Last UpdatedMay 13, 2026
Details

As Low As

Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
257 Elm St, Manchester, NH, 03101
Personal Loans
11.49%
APR11.49%
Last UpdatedMay 13, 2026
Details

Must have a Better Checking account.

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K
11.51%
APR11.51%
Last UpdatedMay 13, 2026
Details

Under $30; As Low As

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K
11.67%
APR11.67%
Last UpdatedMay 13, 2026
Details

Under $30

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K
11.86%
APR11.86%
Last UpdatedMay 13, 2026
Details

Under $30

Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
257 Elm St, Manchester, NH, 03101
Personal Loans
11.99%
APR11.99%
Last UpdatedMay 13, 2026
Details

No additional details available.

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
159 Frontage Rd, Manchester, NH, 03103 6013
Personal
12.00%
APR12.00%
Last UpdatedMay 13, 2026
Details

No additional details available.

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K
12.06%
APR12.06%
Last UpdatedMay 13, 2026
Details

Under $30

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K & Over
12.15%
APR12.15%
Last UpdatedMay 13, 2026
Details

$30; As Low As

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K
12.28%
APR12.28%
Last UpdatedMay 13, 2026
Details

Under $30

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K & Over
12.38%
APR12.38%
Last UpdatedMay 13, 2026
Details

$30

Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
257 Elm St, Manchester, NH, 03101
Personal Line-of-Credit
12.50%
APR12.50%
Last UpdatedMay 13, 2026
Details

No additional details available.

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K & Over
12.61%
APR12.61%
Last UpdatedMay 13, 2026
Details

$30

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K & Over
12.84%
APR12.84%
Last UpdatedMay 13, 2026
Details

$30

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
159 Frontage Rd, Manchester, NH, 03103 6013
Personal
13.00%
APR13.00%
Last UpdatedMay 13, 2026
Details

No additional details available.

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K & Over
13.08%
APR13.08%
Last UpdatedMay 13, 2026
Details

$30

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
159 Frontage Rd, Manchester, NH, 03103 6013
Personal
14.00%
APR14.00%
Last UpdatedMay 13, 2026
Details

No additional details available.

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Credit Builder Loan
5.00%
APR5.00%
Last UpdatedMay 13, 2026
Details

No additional details available.

Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Credit Building - A Loan to Help Rebuild Your Credit
5.00%
APR5.00%
Last UpdatedMay 13, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Holiday Loan
7.49%
APR7.49%
Last UpdatedMay 13, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Personal Loans
7.49%
APR7.49%
Last UpdatedMay 13, 2026
Details

No additional details available.

Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Credit Builder Loan
7.69%
APR7.69%
Last UpdatedMay 13, 2026
Details

As Low As; Minimum loan amount of $500; maximum loan amount of $2,000.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Personal Loans
7.75%
APR7.75%
Last UpdatedMay 13, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Tax Loan Special
7.75%
APR7.75%
Last UpdatedMay 13, 2026
Details

No additional details available.

NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Credit Builder Loan
7.99%
APR7.99%
Last UpdatedMay 13, 2026
Details

All proceeds deposited to a separate savings account until the loan is paid in full.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Personal Loan
8.75%
APR8.75%
Last UpdatedMay 13, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Personal Loans
8.75%
APR8.75%
Last UpdatedMay 13, 2026
Details

No additional details available.

NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.29%
APR9.29%
Last UpdatedMay 13, 2026
Details

As Low As

NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.49%
APR9.49%
Last UpdatedMay 13, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Personal Loan
9.75%
APR9.75%
Last UpdatedMay 13, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Personal Loans
9.75%
APR9.75%
Last UpdatedMay 13, 2026
Details

No additional details available.

NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.99%
APR9.99%
Last UpdatedMay 13, 2026
Details

As Low As

One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loans
10.50%
APR10.50%
Last UpdatedMay 13, 2026
Details

As Low As

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Unsecured Personal Loan
11.00%
APR11.00%
Last UpdatedMay 13, 2026
Details

No additional details available.

Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Unsecured Personal Loan
11.00%
APR11.00%
Last UpdatedMay 13, 2026
Details

No additional details available.

Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Signature Loan (Personal)
11.69%
APR11.69%
Last UpdatedMay 13, 2026
Details

As Low As; $75,000 Maximum

MVSB
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Personal Unsecured
12.13%
APR12.13%
Last UpdatedMay 13, 2026
Details

No additional details available.

Merrimack County SB
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
Personal Unsecured
12.13%
APR12.13%
Last UpdatedMay 13, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
425 Hooksett Rd, Manchester, NH, 03104
Personal Loan
9.75%
APR9.75%
Last UpdatedMay 13, 2026
Details

As Low As

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
1895 S Willow St, Manchester, NH, 03103 2363
Personal Loan
10.49%
APR10.49%
Last UpdatedMay 13, 2026
Details

As Low As

Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
257 Elm St, Manchester, NH, 03101
Personal Loan
10.99%
APR10.99%
Last UpdatedMay 13, 2026
Details

As Low As

Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
257 Elm St, Manchester, NH, 03101
Personal Loans
10.99%
APR10.99%
Last UpdatedMay 13, 2026
Details

No additional details available.

New Hampshire Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
955 Goffs Falls Rd, Manchester, NH, 03103
Personal Loans
11.00%
APR11.00%
Last UpdatedMay 13, 2026
Details

($7500 max)

River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
159 Frontage Rd, Manchester, NH, 03103 6013
Personal Loan
11.00%
APR11.00%
Last UpdatedMay 13, 2026
Details

As Low As

Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
257 Elm St, Manchester, NH, 03101
Personal Loans
11.49%
APR11.49%
Last UpdatedMay 13, 2026
Details

Must have a Better Checking account.

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K
11.51%
APR11.51%
Last UpdatedMay 13, 2026
Details

Under $30; As Low As

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K
11.67%
APR11.67%
Last UpdatedMay 13, 2026
Details

Under $30

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K
11.86%
APR11.86%
Last UpdatedMay 13, 2026
Details

Under $30

Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
257 Elm St, Manchester, NH, 03101
Personal Loans
11.99%
APR11.99%
Last UpdatedMay 13, 2026
Details

No additional details available.

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K
12.06%
APR12.06%
Last UpdatedMay 13, 2026
Details

Under $30

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K & Over
12.15%
APR12.15%
Last UpdatedMay 13, 2026
Details

$30; As Low As

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K
12.28%
APR12.28%
Last UpdatedMay 13, 2026
Details

Under $30

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K & Over
12.38%
APR12.38%
Last UpdatedMay 13, 2026
Details

$30

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K & Over
12.61%
APR12.61%
Last UpdatedMay 13, 2026
Details

$30

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K & Over
12.84%
APR12.84%
Last UpdatedMay 13, 2026
Details

$30

Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Personal Loans K & Over
13.08%
APR13.08%
Last UpdatedMay 13, 2026
Details

$30

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Personal Loans
7.49%
APR7.49%
Last UpdatedMay 13, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Personal Loans
7.75%
APR7.75%
Last UpdatedMay 13, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Personal Loan
8.75%
APR8.75%
Last UpdatedMay 13, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Personal Loans
8.75%
APR8.75%
Last UpdatedMay 13, 2026
Details

No additional details available.

NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.29%
APR9.29%
Last UpdatedMay 13, 2026
Details

As Low As

NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.49%
APR9.49%
Last UpdatedMay 13, 2026
Details

As Low As

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Personal Loan
9.75%
APR9.75%
Last UpdatedMay 13, 2026
Details

No additional details available.

Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
Personal Loans
9.75%
APR9.75%
Last UpdatedMay 13, 2026
Details

No additional details available.

NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.99%
APR9.99%
Last UpdatedMay 13, 2026
Details

As Low As

One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loans
10.50%
APR10.50%
Last UpdatedMay 13, 2026
Details

As Low As

Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Unsecured Personal Loan
11.00%
APR11.00%
Last UpdatedMay 13, 2026
Details

No additional details available.

Newburyport Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Unsecured Personal Loan
11.00%
APR11.00%
Last UpdatedMay 13, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.29%
APR9.29%
Last UpdatedMay 13, 2026
Details

As Low As

NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.49%
APR9.49%
Last UpdatedMay 13, 2026
Details

As Low As

NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.99%
APR9.99%
Last UpdatedMay 13, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Signature Loan (Personal)
11.69%
APR11.69%
Last UpdatedMay 13, 2026
Details

As Low As; $75,000 Maximum

No home improvement personal loan rates found in Manchester, NH currently.

Manchester, NH Personal Loan Rate Trends

Compare local Manchester, 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.

View Full New Hampshire Personal Loan Trends →
Personal Loan — NH Avg
11.521%
▲ 0.195 vs 7 days ago

New Hampshire personal loan rates rose 0.195 points over the past 7 days to 11.521% APR.

Signature Loan — NH Avg
11.053%
▲ 0.072 vs 7 days ago

New Hampshire signature loan rates rose 0.072 points over the past 7 days to 11.053% APR.

As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions

What credit score do I need for a personal loan in New Hampshire?

Most lenders in Manchester, New Hampshire require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in New Hampshire often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Manchester, New Hampshire require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in New Hampshire?

Yes. Debt consolidation is one of the most common uses of personal loans in Manchester, New Hampshire. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Manchester, New Hampshire?

Credit unions in Manchester, New Hampshire often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Manchester, New Hampshire?

  • Granite State Credit Union: 4.39% (Other Collateral Loans 2019-2026)
  • Members First Credit Union of NH: 8.32% (Land Loan)
  • Bangor Savings Bank: 8.75% (Investment Property Loan)
  • Service Federal Credit Union: 9.24% (Energy Efficiency Loan)
  • Bellwether Community Credit Union: 9.75% (Personal Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Manchester, New Hampshire. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026.