Best Personal Loan Rates in Schenectady, New York (NY) - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Schenectady, New York include: TrustCo BankTrustCo Bank1048 State St, Schenectady, NY, 12307A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Sunmark Credit UnionSunmark Credit Union1616 Broadway, Schenectady, NY, 12306A5.0 ★Texas Ratio: 11.71% offering Personal Loans & Lines of Credit at 4.74% APR, First New York Federal Credit UnionFirst New York Federal Credit Union3085 Carman Rd, Schenectady, NY, 12303 4550A+5.0 ★Texas Ratio: 5.90% offering Solar Loan at 4.74% APR, Citizens BankCitizens Bank1725 Altamont Ave, Schenectady, NY, 12303A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan - Fixed at 5.45% APR, and FNB of ScotiaFNB of Scotia120 Erie Blvd, Schenectady, NY, 12305A5.0 ★Texas Ratio: 8.63% offering Personal Loan at 6.00% APR.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Schenectady, New York can save you significantly over the life of your loan.
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 Schenectady, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Schenectady, 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: March 23, 2026
No additional details available.
Secured by Shares
Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
As Low As; 9.99%
As Low As; 10.31%APR
Your interest rate and monthly payments can fluctuate during the repayment period.
As Low As; With 1st National Deposit Account as Collateral
Secured by Share Certificate
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 02/17/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
$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
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Stock listed on Exchange up to 2/3 value
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
No additional details available.
As Low As; With Acceptable Collateral Secured
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
Credit Score: 740 & Above
No additional details available.
No additional details available.
$1,000 minimum to open
No additional details available.
No additional details available.
As Low As; Unsecured
Credit Score: 700-739
No additional details available.
As Low As
No additional details available.
New money only, promotional rate
Above Shares Yield
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; Only Available to "A+", "A", "B", and "C"
As Low As
(seasonal)
As Low As
As Low As
As Low As
As Low As
As Low As; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown. The credit union offers member pay insurance for life & disability for your loans. Please do not be confused with additional insurances that you may have with others as it does not apply to your loans at NFTFCU. All Loan Rates are stated in terms of Annual Percentage Rate (APR). Loan Rates are for qualified members.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
$50,000; As Low As
As Low As
As Low As; Max $2,500
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
New money only, promotional Rate
Offer valid on equipment term loans only.. No lines of credit. Offer expires 4/15/2026. No refinancing of Northwest exisiting debt. SBA Loans and business credit cards are not eligible for promotional offer. All standard rates and terms apply. See bank for detials.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As
1-Year Loan Term
available October 15th
No additional details available.
available October 15- December 29
No additional details available.
No additional details available.
As Low As; Regular APR: 14.00%
As Low As
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
As Low As; Loan amount maximum of $2,000
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; Range: 730+, Rating: A+
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds must be paid directly to college or university OR direct to pay off existing student loans. There is no payment deferment.
No additional details available.
As Low As; Rates are based on credit history and term
As Low As; Must be used to transfer credit cards or outstanding loans only and cannot be used to pay off existing GWFCU loans or credit cards - Only Available to "A+," "A," "B," and "C."
No additional details available.
As Low As; w/ Auto Pay Discount
As Low As
No additional details available.
No additional details available.
As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As
As Low As
As Low As
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; Up to 24 months
No additional details available.
As Low As; Range: 640-679, Rating: B
As Low As; Special fixed up to 15 months!
No additional details available.
No additional details available.
No additional details available.
As Low As
Amount: Up to $20000
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Range: 600-639, Rating: C
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Rates are based on credit history and term
No additional details available.
As Low As; New electronics, home renovations, catch up on bills.
As Low As
new rates require a minimum advance of $1,000.00
No additional details available.
As Low As
As Low As
New money only, promotional Rate
Available 10/1/25-12/31/25; $500 - $3,000
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
up to $20,000
As Low As
Available 1/1/26-3/31/26; No Balance Transfer Fees; 6.99% until Balance is Paid in Full
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
Up to $3,000 for 36 months @ 6.00%
As Low As
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
No additional details available.
No additional details available.
Secured by Shares
As Low As; With 1st National Deposit Account as Collateral
Secured by Share Certificate
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 02/17/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
No additional details available.
No additional details available.
No additional details available.
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
As Low As; Stock listed on Exchange up to 2/3 value
No additional details available.
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
No additional details available.
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
As Low As; With Acceptable Collateral Secured
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
Credit Score: 740 & Above
No additional details available.
No additional details available.
$1,000 minimum to open
No additional details available.
No additional details available.
As Low As; Unsecured
Credit Score: 700-739
No additional details available.
As Low As
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; Max $2,500
As Low As
No additional details available.
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
1-Year Loan Term
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; Range: 730+, Rating: A+
As Low As; w/ Auto Pay Discount
As Low As
As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As
As Low As; Range: 640-679, Rating: B
As Low As; Special fixed up to 15 months!
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
No additional details available.
No additional details available.
No additional details available.
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; Range: 600-639, Rating: C
As Low As
No additional details available.
As Low As
As Low As
As Low As
up to $20,000
No additional details available.
Up to $3,000 for 36 months @ 6.00%
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; New electronics, home renovations, catch up on bills.
Available 1/1/26-3/31/26; No Balance Transfer Fees; 6.99% until Balance is Paid in Full
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
No additional details available.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
No additional details available.
As Low As; 36 Months
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
As Low As
As Low As
As Low As; 60 months
No additional details available.
As Low As
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; [1](https://www.hfcuvt.com/#ftnt-1)
As Low As; 72 Months
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; 84 Months
As Low As; 12-24 months max
As Low As
up to 48 months
49 to 60 months
As Low As
As Low As
As Low As
No additional details available.
As Low As; 25-60 months max
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
discount with direct deposit
No additional details available.
No additional details available.
new rates require a minimum advance of $1,000.00
As Low As
$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
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 Schenectady, New York?
What are the best personal loan rates in Schenectady, New York?
- TrustCo Bank: 4.00% (Passbook Loan)
- Sunmark Credit Union: 4.74% (Personal Loans & Lines of Credit)
- First New York Federal Credit Union: 4.74% (Solar Loan)
- Citizens Bank: 5.45% (Medical Residency Refinance Loan - Fixed)
- FNB of Scotia: 6.00% (Personal Loan)
Personal Loan Calculators
