Best Personal Loan Rates in Richmond Hill, 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 Richmond Hill, New York include: GPO Federal Credit UnionGPO Federal Credit UnionA+5.0 ★Texas Ratio: 2.06% offering Personal Unsecured Loans at 3.99% APR, Remington Federal Credit UnionRemington Federal Credit UnionA+5.0 ★Texas Ratio: 2.39% offering Personal Loan at 4.00% APR, FASNY Federal Credit UnionFASNY Federal Credit UnionA+5.0 ★Texas Ratio: 0.01% offering Signature Loans at 4.00% APR, Directors Choice Credit UnionDirectors Choice Credit UnionA+5.0 ★Texas Ratio: 0.00% offering Share Pledged Loan at 4.00% APR, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Richmond Hill borrowers have access to 62 lenders serving the New York area, with personal loan rates as low as 3.99% APR from GPO Federal Credit Union. 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 Richmond Hill, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Richmond Hill, 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
As Low As
As Low As
mos.
mos.
No additional details available.
Above Shares Yield
No additional details available.
No additional details available.
No additional details available.
As Low As
Actual rate offered may vary.
Secured by Shares
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
(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.
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; Up to 100% Collateralized Share Balance
No additional details available.
As Low As
As Low As
As Low As
$50,000; As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
up to 72 months
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; With 1st National Deposit Account as Collateral
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
As Low As
No additional details available.
$3,000 available October 15- December 29
No additional details available.
As Low As
No additional details available.
As Low As; Rates are based on credit history and term
As Low As; Credit Score 730+
No additional details available.
No additional details available.
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
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As; Credit Score 640-679
No additional details available.
As Low As; Special fixed up to 15 months!
As Low As; Borrow up to $25,000
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; Rates are based on credit history and term
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.
No additional details available.
No additional details available.
As Low As; Credit Score 600-639
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
new rates require a minimum advance of $1,000.00
No additional details available.
As Low As
As Low As
As Low As
Secured by Share Certificate
As Low As
As Low As
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
No additional details available.
As Low As
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Up to 60 months
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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%
As Low As
As Low As
As Low As
$300 - $25,000; As Low As
FIXED APR WITH AUTO PAY
As Low As
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
No additional details available.
As Low As
No additional details available.
Credit Score 760+, Credit Tier A+
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As; Fixed up to 36 months
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; Rates are based on credit history and term
As Low As
mos.
mos.
No additional details available.
No additional details available.
Secured by Shares
No additional details available.
As Low As; During May 2026
As Low As
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As
As Low As
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; With 1st National Deposit Account as Collateral
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
As Low As; Special fixed up to 15 months!
As Low As; Credit Score 640-679
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.
As Low As; Credit Score 600-639
No additional details available.
No additional details available.
As Low As
No additional details available.
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
As Low As
As Low As; w/ Auto Pay Discount: as low as 7.39%
As Low As
As Low As
$300 - $25,000; As Low As
FIXED APR WITH AUTO PAY
No additional details available.
As Low As
Credit Score 760+, Credit Tier A+
As Low As; Fixed up to 36 months
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
No additional details available.
As Low As; 36 Months
No additional details available.
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
No additional details available.
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
No additional details available.
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
No additional details available.
No additional details available.
As Low As; Up to 100% Collateralized Share Balance
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
new rates require a minimum advance of $1,000.00
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
$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
Richmond Hill, NY Personal Loan Rate Trends
Compare local Richmond Hill, 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 0.082 points over the past 7 days to 9.788% APR.
New York signature loan rates fell 0.338 points over the past 7 days to 9.104% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Richmond Hill, 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 Richmond Hill, 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 Richmond Hill, 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 Richmond Hill, New York?
What are the best personal loan rates in Richmond Hill, New York?
- GPO Federal Credit Union: 3.99% (Personal Unsecured Loans)
- Remington Federal Credit Union: 4.00% (Personal Loan)
- FASNY Federal Credit Union: 4.00% (Signature Loans)
- Directors Choice Credit Union: 4.00% (Share Pledged Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Calculators
