Best Personal Loan Rates in Saratoga Springs, New York -
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Saratoga Springs, New York include: TrustCo BankTrustCo Bank3065 Route 50, Saratoga Springs, NY, 12866A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Broadview Federal Credit UnionBroadview Federal Credit Union815 N Broadway, Saratoga Springs, NY, 12866 1632A+5.0 ★Texas Ratio: 6.28% offering 2 Year Loan at 4.24% APR, First New York Federal Credit UnionFirst New York Federal Credit Union424 Maple Ave, Saratoga Springs, NY, 12866 5506A+5.0 ★Texas Ratio: 5.58% offering Easy Drive Lease-Like Program: 2021-2027 Model Years Loan at 5.24% APR, FNB of ScotiaFNB of Scotia3013 Route 50, Saratoga Springs, NY, 12866A5.0 ★Texas Ratio: 8.63% offering New, Used: 2026, 2025, 2024 Loan at 5.64% APR, and Chemung Canal Trust CompanyChemung Canal Trust Company3057 Route 50, Saratoga Springs, NY, 12866A+5.0 ★Texas Ratio: 4.40% offering CLTV 2nd Lien 3 to 5 Years Loan at 6.00% APR. Personal loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Saratoga Springs has 5 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 3065 Route 50, Saratoga Springs, NY, 12866. 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 Saratoga Springs, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saratoga Springs, 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: June 16, 2026
Saratoga Springs Personal Loan Rates
No additional details available.
Rates quoted are the lowest available rates based on overall creditworthiness
Rates quoted are the lowest available rates based on overall creditworthiness
Rates quoted are the lowest available rates based on overall creditworthiness
Rates quoted are the lowest available rates based on overall creditworthiness
1st / 60% LTV; Draw Period: 5 years
Rates quoted are the lowest available rates based on overall creditworthiness
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.
Rates quoted are the lowest available rates based on overall creditworthiness
Rates quoted are the lowest available rates based on overall creditworthiness
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.
2nd / 60% LTV; Draw Period: 5 years
As Low As; Rates as low as
Rates quoted are the lowest available rates based on overall creditworthiness
Rates quoted are the lowest available rates based on overall creditworthiness
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; Rates as low as
Rates quoted are the lowest available rates based on overall creditworthiness
80% CLTV
With 1st National Deposit Account as Collateral
As Low As; Rates as low as
80% CLTV
80% CLTV
As Low As; Rates as low as
80% CLTV
90% CLTV
As Low As; Rates as low as
90% CLTV
90% CLTV
See important disclosures for details.
90% CLTV
As Low As; Rates as low as
Non-Owner Occupied/Investment Property
As Low As; Rates as low as
As Low As; Rates as low as
Rates quoted are the lowest available rates based on overall creditworthiness.
Rates quoted are the lowest available rates based on overall creditworthiness.
Rates quoted are the lowest available rates based on overall creditworthiness
Rates quoted are the lowest available rates based on overall creditworthiness
Rates quoted are the lowest available rates based on overall creditworthiness
Fixed
Rates quoted are the lowest available rates based on overall creditworthiness.
Rates quoted are the lowest available rates based on overall creditworthiness.
Fixed
Rates quoted are the lowest available rates based on overall creditworthiness.
Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Rates as low as
Fixed
Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
Stock listed on Exchange up to 2/3 value
Rates as low as
As Low As; Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
Fixed
Rates quoted are the lowest available rates based on overall creditworthiness.
Fixed
Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
As Low As; Minimum $2,500
No additional details available.
With Acceptable Collateral Secured
As Low As; Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
$10,000 - $25,000
No additional details available.
Cash Advances APR: 13.74%; Variable
Unsecured
No additional details available.
Cash Advances APR: 14.74%; Variable
No additional details available.
Cash Advances APR: 16.74%; Variable
Variable Rate APR: 4.00% - 12.50%
No additional details available.
As Low As; Build your credit & growing your savings.
Intro rate as low as 3.99% APR*
As Low As
As Low As
As Low As; Borrow up to $50,000
No additional details available.
As Low As
Beacon Score: 725+; Beacon Score: 675 - 724; Beacon Score: 625 - 674
Variable Rate APR: 4.00% - 12.50%
As Low As; Starting at 4.00%
No additional details available.
As Low As
ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; *
No additional details available.
No additional details available.
No additional details available.
Beacon Score: 725+
Beacon Score: 725+
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
$5000; Call the Credit Union for More Details or to Apply!
No additional details available.
Fixed APR as low as*
As Low As; Fixed APR
As low as
As Low As
No additional details available.
(seasonal)
Rates below are based on a credit score of 730 or higher. Lower rates may apply for terms less than 60 months.
No additional details available.
As Low As
As Low As
As Low As
As Low As
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; Starting at 5.00%
$3000.00
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
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; 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%.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As; Borrow up to 120% LTV
No additional details available.
As Low As
As Low As; with 1year repayment; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown.
As Low As; Starting at 5.25%
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As; Fixed APR
Fixed APR as low as*
As Low As
As Low As; Unsecured Personal Loan Max $2,500
As Low As
No additional details available.
$50,000; As Low As
No additional details available.
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.
As Low As; Finance up to 110% of the vehicle value
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
Rates change daily
No additional details available.
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
As Low As; Finance up to 110% of the vehicle value
As Low As
As Low As
No additional details available.
Beacon Score: 725+
As Low As; Starting at 5.75%
As Low As; Starting at 5.75%
No additional details available.
No additional details available.
No additional details available.
As Low As
All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
Saratoga Springs Personal Loan Rates
With 1st National Deposit Account as Collateral
Fixed
Fixed
Fixed
As Low As; Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
Stock listed on Exchange up to 2/3 value
Fixed
As Low As; Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
Fixed
As Low As; Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
With Acceptable Collateral Secured
As Low As; Annual Percentage Rate (APR) is fixed. The actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
No additional details available.
Unsecured
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; Unsecured Personal Loan Max $2,500
Saratoga Springs Debt Consolidation Loan Rates
No additional details available.
No additional details available.
No additional details available.
No hidden fees. Perfect for getting ahead of higher-rate credit card debt.
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.
No additional details available.
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
No additional details available.
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.
No additional details available.
APR with Discount as low as*: 9.49%
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
No additional details available.
No additional details available.
As Low As; Debt Consolidation 12-24 months max
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
APR with Discount as low as*: 10.99%
As Low As; Debt Consolidation 25-60 months max
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
APR with Discount as low as*: 11.99%
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; APR*
Fixed rate; discount with direct deposit; $20 application fee
Saratoga Springs Signature Loan Rates
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
Saratoga Springs, NY Personal Loan Rate Trends
Compare local Saratoga Springs, 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 0.072 points over the past 7 days to 9.975% APR.
New York signature loan rates rose 0.090 points over the past 7 days to 9.756% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, New York?
What are the best personal loan rates in Saratoga Springs, New York?
- TrustCo Bank: 4.00% (Passbook Loan)
- Broadview Federal Credit Union: 4.24% (2 Year Loan)
- First New York Federal Credit Union: 5.24% (Easy Drive Lease-Like Program: 2021-2027 Model Years Loan)
- FNB of Scotia: 5.64% (New, Used: 2026, 2025, 2024 Loan)
- Chemung Canal Trust Company: 6.00% (CLTV 2nd Lien 3 to 5 Years Loan)
Saratoga Springs, New York Rates & Resources
Personal Loan Calculators
