Best Personal Loan Rates in Clifton Park, New York - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Clifton Park, New York include: TrustCo BankTrustCo Bank215 Guideboard Rd, Clifton Park, NY, 12065A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Broadview Federal Credit UnionBroadview Federal Credit Union16 Park Ave, Clifton Park, NY, 12065A+5.0 ★Texas Ratio: 6.28% offering 12 Month Loan at 4.14% APR, FNB of ScotiaFNB of Scotia1643 Route 9, Clifton Park, NY, 12065A5.0 ★Texas Ratio: 8.63% offering New, Used: 2026, 2025, 2024 Loan at 5.64% APR, Chemung Canal Trust CompanyChemung Canal Trust Company7 Southside Dr, Clifton Park, NY, 12065A+5.0 ★Texas Ratio: 4.40% offering CLTV 2nd Lien Loan at 6.00% APR, and Ballston Spa National BankBallston Spa National Bank1714 Route 9, Clifton Park, NY, 12065A+5.0 ★Texas Ratio: 2.61% offering Personal Loans at 6.99% APR. Personal loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Clifton Park has 6 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 215 Guideboard Rd, Clifton Park, NY, 12065. 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 Clifton Park, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Clifton Park, New York. 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: July 16, 2026
Clifton Park Personal Loan Rates
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Fixed
Fixed
Fixed
APR for Model Years 2023 and Newer
Fixed
APR for Model Years 2023 and Newer
APR for Model Years 2023 and Newer
APR for Model Years 2023 and Newer
APR for Model Years 2023 and Newer
APR for Model Years 2019-2022
APR for Model Years 2019-2022
Rates as low as
APR for Model Years 2019-2022
APR for Model Years 2023 and Newer
Rates as low as
APR for Model Years 2019-2022
80% CLTV
Rates as low as
Rates as low as
80% CLTV
Rates as low as
80% CLTV
Rates as low as
90% CLTV
Rates are variable and subject to change. See associate for details.
90% CLTV
90% CLTV
Rates as low as
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Rates as low as
Rates as low as
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APR for Model Years 2018 and Older
APR for Model Years 2018 and Older
APR for Model Years 2023 and Newer
APR for Model Years 2023 and Newer
APR for Model Years 2018 and Older
Fixed
Rates as low as
Fixed
APR for Model Years 2019-2022
No additional details available.
Fixed
APR for Model Years 2019-2022
Rates as low as; Down Payment: 15%
Fixed
APR for Model Years 2019-2022
Fixed
APR for Model Years 2023 and Newer
Minimum $2,500; Rates as low as; 20% Down Payment
No additional details available.
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$10,000 - $25,000; Rates as low as; Down Payment: 15%
No additional details available.
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$3,500 - $15,000; Model Year: Latest 4 Model Years
No additional details available.
Cash Advances APR: 13.74%; Variable
No additional details available.
Rates as low as
$3,500 - $15,000; Model Year: 5 Years and Older
No additional details available.
Cash Advances APR: 14.74%; Variable
Fixed Rate
No additional details available.
Cash Advances APR: 16.74%; Variable
No additional details available.
Variable Rate APR: 4.00% - 12.50%
No additional details available.
Variable Rate APR: 4.00% - 12.50%
No additional details available.
Beacon Score: 725+
As Low As; Starting at 4.00%
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As Low As
As Low As
As Low As
As Low As
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ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts
As Low As; New Auto Loan
No additional details available.
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As Low As
As Low As; *
As Low As; New Auto Loan
Beacon Score: 725+
Beacon Score: 725+
No additional details available.
No additional details available.
No additional details available.
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As Low As
Up to 125% of LTV
As Low As
No additional details available.
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Loan Special $5000 at 4.9% for 36 months Call the Credit Union for More Details or to Apply!
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No additional details available.
As Low As; Used Auto Loan
As Low As;*
As low as; Special
As Low As; New and used 2025 - 2026
No additional details available.
Rates below are based on a credit score of 730 or higher. Lower rates may apply for terms less than 60 months.
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
Get $5,000 at 5.00% APR for 18 months*
No additional details available.
As Low As
No additional details available.
As Low As; Starting at 5.00%
As Low As; *
Beacon Score: 725+
No additional details available.
No additional details available.
No additional details available.
As Low As; New Auto Loan
No additional details available.
As Low As; New and used 2025 - 2026
As Low As; Rates and terms accurate as of 4/06/2026. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For lease buyout terms of 66 months estimated monthly payment of $17.43 per $1000 borrowed for 2023-2026 vehicles. Minimum auto loan is $1,000. Payment is based on rate of 5.14%.
No additional details available.
As Low As
As Low As; Used 2021 - 2024
The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. As low as*
As Low As
As Low As; Starting at 5.25%
No additional details available.
No additional details available.
As Low As; New and used 2025 - 2026
No additional details available.
As Low As
As Low As; Used 2021 - 2024
As Low As;*
As Low As
No additional details available.
As Low As
The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. As low as*
As Low As
As Low As; Unsecured Personal Loan Max $2,500
As Low As; New Auto Loan
Beacon Score: 675 - 724
Beacon Score: 675 - 724
Beacon Score: 725+
As Low As; Starting at 5.50%
As Low As; Starting at 5.50%
No additional details available.
Up to 125% of LTV
As Low As; Used 2021 - 2024
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. As low as*
As Low As
As Low As
No additional details available.
As Low As; Starting at 5.75%
As Low As; Starting at 5.75%
No additional details available.
Beacon Score: 725+
As Low As
As Low As; Used Auto Loan
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; New and used 2025 - 2026
As Low As; All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
As Low As; 0% origination
No additional details available.
As Low As; Relationship Premium
As Low As;*
*
As Low As; Relationship Premium
As Low As; All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
Rate subject to change.
As Low As
As Low As
Special Rate is only for a one-year (12-month) term. Rates are based on creditworthiness, so your rate may differ. Must have been a member for a minimum of 6 months before applying. Approval for financing is subject to lending guidelines and credit qualifications. Offer expires September 30, 2026.
As Low As; *
As Low As; APR accurate as of 12/04/23 for qualified applicants only, and is subject to change without prior notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Advertised rates are the lowest available for this product. Not all applicants will be approved and some may be offered credit at different rates and terms, all subject to approval. For Wedding Loan terms of 48 months estimated monthly payment of $23.49 per $1,000 borrowed. Membership conditions may apply.
Borrow up to 5k; As Low As; rates
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No additional details available.
Clifton Park Personal Loan Rates
Rates as low as
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Fixed
Fixed
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Fixed
Fixed
Fixed
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Rates as low as
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Get $5,000 at 5.00% APR for 18 months*
As Low As; Unsecured Personal Loan Max $2,500
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Clifton Park Debt Consolidation Loan Rates
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As Low As; Borrow up to $10,000.00, Delay first payment for 60 days; *
APR without Direct Deposit: 9.49%
No additional details available.
No additional details available.
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
APR without Direct Deposit: 9.99%
APR without Direct Deposit: 10.49%
As Low As; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
APR without Direct Deposit: 10.99%
As Low As; Debt Consolidation 12-24 months max
No additional details available.
No additional details available.
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; Debt Consolidation 25-60 months max
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; APR*
discount with direct deposit; $20 application fee
Clifton Park Signature Loan Rates
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
Clifton Park, NY Personal Loan Rate Trends
Compare local Clifton Park, NY 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 York personal loan rates rose 0.683 points over the past 7 days to 10.570% APR.
New York signature loan rates fell 0.108 points over the past 7 days to 10.058% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Clifton Park, New York 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 Clifton Park, New York 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 Clifton Park, New York. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NY.
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.
Frequently Asked Questions
What credit score do I need for a personal loan in New York?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in New York?
Are credit unions or banks better for personal loans in Clifton Park, New York?
What are the best personal loan rates in Clifton Park, New York?
- TrustCo Bank: 4.00% (Passbook Loan)
- Broadview Federal Credit Union: 4.14% (12 Month Loan)
- FNB of Scotia: 5.64% (New, Used: 2026, 2025, 2024 Loan)
- Chemung Canal Trust Company: 6.00% (CLTV 2nd Lien Loan)
- Ballston Spa National Bank: 6.99% (Personal Loans)
Clifton Park, New York Rates & Resources
Personal Loan Calculators
