Best Personal Loan Rates in Monroe, New York (NY) - 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 Monroe, New York include: TrustCo BankTrustCo Bank791 State Route 17m, Monroe, NY, 10950A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, O&R Utilities Employees Federal Credit UnionO&R Utilities Employees Federal Credit Union14 Talmadge Ct, Monroe, NY, 10950 1526A+5.0 ★Texas Ratio: 0.70% offering Unsecured Loans at 6.99% APR, GPO Federal Credit UnionGPO Federal Credit UnionA+5.0 ★Texas Ratio: 2.06% offering Save & Boost Credit Loan at 3.99% APR, Remington Federal Credit UnionRemington Federal Credit UnionA+5.0 ★Texas Ratio: 2.39% offering Personal Loan at 4.00% APR, and FASNY Federal Credit UnionFASNY Federal Credit UnionA+5.0 ★Texas Ratio: 0.01% offering Signature Loans at 4.00% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Monroe has 2 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 791 State Route 17m, Monroe, NY, 10950. 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 Monroe, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Monroe, 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: May 12, 2026
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As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
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As Low As
As Low As
mos.
mos.
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Above Shares Yield
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As Low As
Secured by Shares
Actual rate offered may vary.
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As Low As
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As Low As
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(seasonal)
As Low As; During May 2026
Actual rate offered may vary.
As Low As; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown. All Loan Rates are stated in terms of Annual Percentage Rate (APR). Loan Rates are for qualified members.
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; Up to 100% Collateralized Share Balance
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As Low As
$50,000; As Low As
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As Low As
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As Low As
up to 72 months
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As Low As
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
$3,000 available October 15- December 29
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As Low As
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As Low As; With 1st National Deposit Account as Collateral
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As Low As
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As Low As; Rates are based on credit history and term
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As Low As; Credit Score 730+
As Low As; w/ Auto Pay Discount
As Low As
As Low As
As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As
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As Low As
As Low As; Special fixed up to 15 months!
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As Low As; Credit Score 640-679
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As Low As; Borrow up to $25,000
As Low As
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As Low As
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As Low As; Rates are based on credit history and term
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As Low As
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
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As Low As; Credit Score 600-639
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new rates require a minimum advance of $1,000.00
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As Low As
As Low As
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Secured by Share Certificate
As Low As
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As Low As
As Low As
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
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As Low As
As Low As
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
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As Low As; Up to 60 months
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As Low As
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As Low As
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As Low As; w/ Auto Pay Discount
As Low As
As Low As
As Low As
As Low As; w/ Auto Pay Discount: as low as 7.39%
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As Low As
As Low As
$300 - $25,000; As Low As
FIXED APR WITH AUTO PAY
As Low As
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$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
As Low As
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Credit Score 760+, Credit Tier A+
As Low As
As Low As
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As Low As
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As Low As; Fixed up to 36 months
As Low As
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As Low As; Rates are based on credit history and term
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mos.
mos.
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Secured by Shares
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As Low As; During May 2026
As Low As
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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As Low As
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As Low As; With 1st National Deposit Account as Collateral
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; Credit Score 730+
As Low As; w/ Auto Pay Discount
As Low As
As Low As
As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As; Credit Score 640-679
As Low As
As Low As; Special fixed up to 15 months!
As Low As
As Low As; Credit Score 600-639
No additional details available.
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
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As Low As
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As Low As
As Low As
Secured by Share Certificate
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
As Low As; w/ Auto Pay Discount
FIXED APR WITH AUTO PAY
As Low As
$300 - $25,000; As Low As
As Low As
As Low As
As Low As; w/ Auto Pay Discount: as low as 7.39%
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As Low As
Credit Score 760+, Credit Tier A+
As Low As; Fixed up to 36 months
As Low As
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As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
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As Low As; 36 Months
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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; 60 months
No additional details available.
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; 72 Months
As Low As
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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; 84 Months
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As Low As
up to 48 months
49 to 60 months
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
As Low As
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
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
discount with direct deposit
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As Low As; Up to 100% Collateralized Share Balance
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new rates require a minimum advance of $1,000.00
As Low As
As Low As
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$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Monroe, NY Personal Loan Rate Trends
Compare local Monroe, 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 fell 0.099 points over the past 7 days to 9.834% APR.
New York signature loan rates fell 0.416 points over the past 7 days to 9.104% APR.
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 Monroe, New York?
What are the best personal loan rates in Monroe, New York?
- TrustCo Bank: 4.00% (Passbook Loan)
- O&R Utilities Employees Federal Credit Union: 6.99% (Unsecured Loans)
- GPO Federal Credit Union: 3.99% (Save & Boost Credit Loan)
- Remington Federal Credit Union: 4.00% (Personal Loan)
- FASNY Federal Credit Union: 4.00% (Signature Loans)
Personal Loan Calculators
