Best Personal Loan Rates in Troy, 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 Troy, New York include: TrustCo BankTrustCo Bank1700 5th Ave, Troy, NY, 12180A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, First New York Federal Credit UnionFirst New York Federal Credit Union31 Jordan Rd, Troy, NY, 12180 8548A+5.0 ★Texas Ratio: 5.90% offering Solar Loan at 4.74% APR, Sunmark Credit UnionSunmark Credit Union722 Hoosick Rd, Troy, NY, 12180 8822A5.0 ★Texas Ratio: 11.71% offering Personal Loans & Lines of Credit at 4.74% APR, Broadview Federal Credit UnionBroadview Federal Credit Union256 Hoosick St, Troy, NY, 12180A+5.0 ★Texas Ratio: 0.00% offering Sportscraft Loan at 8.24% APR, and NEXT STEPNEXT STEP150 Defreest Dr, Troy, NY, 12180A+5.0 ★Texas Ratio: 0.00% offering Signature Loans at 8.99% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Troy has 6 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 1700 5th Ave, Troy, NY, 12180. 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 Troy, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Troy, 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
No additional details available.
Actual rate offered may vary.
Secured by Shares
Actual rate offered may vary.
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.
No additional details available.
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.
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; month terms 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.
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.
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.
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As Low As; $1,000 minimum to open
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As Low As
As Low As
mos.
mos.
No additional details available.
Above Shares Yield
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
As Low As; During May 2026
(seasonal)
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; Up to 100% Collateralized Share Balance
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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
As Low As
No additional details available.
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As Low As
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up to 72 months
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As Low As
No additional details available.
No additional details available.
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As Low As
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; With 1st National Deposit Account as Collateral
$3,000 available October 15- December 29
No additional details available.
No additional details available.
No additional details available.
As Low As; Credit Score 730+
As Low As; Rates are based on credit history and term
As Low As
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.
As Low As
As Low As
No additional details available.
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
As Low As
No additional details available.
As Low As
No additional details available.
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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.
No additional details available.
As Low As; Rates are based on credit history and term
No additional details available.
As Low As; Credit Score 600-639
No additional details available.
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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
No additional details available.
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
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As Low As
As Low As; Up to 60 months
As Low As
No additional details available.
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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%
As Low As
As Low As
As Low As
FIXED APR WITH AUTO PAY
$300 - $25,000; As Low As
Credit Score 760+, Credit Tier A+
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
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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
Secured by Shares
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; 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; 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.
No additional details available.
As Low As; $1,000 minimum to open
mos.
mos.
No additional details available.
No additional details available.
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.
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
As Low As; Special fixed up to 15 months!
As Low As; Credit Score 640-679
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.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
As Low As; w/ Auto Pay Discount
As Low As; w/ Auto Pay Discount: as low as 7.39%
As Low As
As Low As
$300 - $25,000; As Low As
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.
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
As Low As; month terms available
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
Troy, NY Personal Loan Rate Trends
Compare local Troy, 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 0.870 points over the past 7 days to 10.740% APR.
New York signature loan rates rose 1.612 points over the past 7 days to 11.053% 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 Troy, New York?
What are the best personal loan rates in Troy, New York?
- TrustCo Bank: 4.00% (Passbook Loan)
- First New York Federal Credit Union: 4.74% (Solar Loan)
- Sunmark Credit Union: 4.74% (Personal Loans & Lines of Credit)
- Broadview Federal Credit Union: 8.24% (Sportscraft Loan)
- NEXT STEP: 8.99% (Signature Loans)
Personal Loan Calculators
