Best Personal Loan Rates in Schenectady, 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 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, FNB of ScotiaFNB of Scotia120 Erie Blvd, Schenectady, NY, 12305A5.0 ★Texas Ratio: 8.63% offering Personal Loans at 6.00% APR, and Broadview Federal Credit UnionBroadview Federal Credit Union3200 Balltown Rd, Schenectady, NY, 12304A+5.0 ★Texas Ratio: 0.00% offering Sportscraft Loan 2 Year Loan at 8.24% APR. Personal loan rates as of May 7, 2026 according to verified data from MonitorBankRates.
Schenectady has 6 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 1048 State St, Schenectady, NY, 12307. 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 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: May 7, 2026
No additional details available.
Secured by Shares
Actual rate offered may vary.
Actual rate offered may vary.
As Low As; With 1st National Deposit Account as Collateral
Secured by Share Certificate
$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
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
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.
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
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; 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.
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.
No additional details available.
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No additional details available.
$1,000 minimum to open
No additional details available.
As Low As; Unsecured
No additional details available.
As Low As; $1,000 minimum to open
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As Low As
As Low As
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mos.
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As Low As
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As Low As
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As Low As
(seasonal)
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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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.
As Low As
As Low As
$50,000; As Low As
As Low As
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up to 72 months
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As Low As
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
$3,000 available October 15- December 29
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As Low As; Rates are based on credit history and term
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As Low As; w/ Auto Pay Discount
As Low As
As Low As
As Low As
As Low As
As Low As; Borrow up to $25,000
As Low As; Special fixed up to 15 months!
No additional details available.
No additional details available.
As Low As; Advertised rate is "as low as" and is determined by the credit worthiness of each applicant. Rates are subject to change without notice. Rates are for new ONE Credit Union loans, current ONE Credit Union loans are not eligible for rate refinancing.
APR as low as
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As Low As
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As Low As
As Needed
As Low As; Rates are based on credit history and term
No additional details available.
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new rates require a minimum advance of $1,000.00
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As Low As
As Low As
As Low As
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As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
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; APR* as low as: 7.25%
as low as
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As Low As; w/ Auto Pay Discount
As Low As
As Low As
FIXED APR WITH AUTO PAY
$300 - $25,000; As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
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Credit Score 760+, Credit Tier A+
As Low As
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As Low As
As Low As
As Low As; Fixed up to 36 months
As Low As
$15
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As Low As
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
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As Low As
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As Low As
As Low As
As Low As
As Low As
As Low As
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As Low As
As Low As
As Low As
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As Low As
Secured by Shares
As Low As; With 1st National Deposit Account as Collateral
Secured by Share Certificate
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.
No additional details available.
As Low As; Stock listed on Exchange up to 2/3 value
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.
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.
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
No additional details available.
As Low As; $1,000 minimum to open
mos.
mos.
No additional details available.
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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
No additional details available.
As Low As; w/ Auto Pay Discount
As Low As
As Low As
As Low As
As Low As
As Low As; Special fixed up to 15 months!
No additional details available.
APR as low as
No additional details available.
As Needed
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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
No additional details available.
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.
As Low As
As Low As
As Low As
No additional details available.
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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
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
No additional details available.
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
No additional details available.
No additional details available.
new rates require a minimum advance of $1,000.00
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
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As Low As
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As Low As
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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
Schenectady, NY Personal Loan Rate Trends
Compare local Schenectady, 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 0.058 points over the past 7 days to 9.889% APR.
New York signature loan rates rose 0.001 points over the past 7 days to 9.521% 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 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)
- FNB of Scotia: 6.00% (Personal Loans)
- Broadview Federal Credit Union: 8.24% (Sportscraft Loan 2 Year Loan)
Personal Loan Calculators
