Upton, New York Best Personal Loan Rates - September 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 Upton, New York include: Haverhill Fire Department Credit UnionHaverhill Fire Department Credit UnionA+5.0 ★Texas Ratio: 0.13% offering Share Secured/Credit Building Loan at 4.49% APR, Rome Federal Credit UnionRome Federal Credit UnionA5.0 ★Texas Ratio: 9.29% offering Unsecured Personal Loan at 5.49% APR, FASNY Federal Credit UnionFASNY Federal Credit UnionA+5.0 ★Texas Ratio: 3.86% offering Signature Loans at 5.74% APR, Kenmore NY Teachers Federal Credit UnionKenmore NY Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 3.03% offering UnLOCk Personal Line-of-Credit Loan at 5.99% APR, and Adirondack Regional Federal Credit UnionAdirondack Regional Federal Credit UnionA+5.0 ★Texas Ratio: 4.49% offering Signature Loans at 5.99% APR. Personal loan rates as of September 9, 2026 according to verified data from MonitorBankRates.
Upton borrowers have access to 82 lenders serving the New York area, with personal loan rates as low as 4.49% APR from Haverhill Fire Department Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 Upton, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Upton, 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: September 9, 2026
Upton Personal Loan Rates
No additional details available.
As low as; Unsecured Personal Loan Max $2,500
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Rates as low as
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As Low As; Auto Pay Discount: 6.39%
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As Needed
new rates require a minimum advance of $1,000.00
APR with Discount as low as*; 6.45%
As Low As; Rates
Borrow up to $20,000
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*
Secured by Share Certificate
No additional details available.
No additional details available.
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As Low As
As Low As; Payment Amount 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.
As Low As; Personal Loan
The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
No additional details available.
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As low as
As Low As;*
Borrow up to $20,000
Rate available to member in good standing, based on credit qualifications, approved starting January 1, 2025 for loans from $300 and to $25,000. Rate reflects .25% discount for automatic payments from your MHV savings or checking account. As an example, a 47-month term with a fixed rate of 7.49% APR would result in an estimated payment of $24.57 for each $1,000 financed. Subject to change or terminate at the discretion of MHV. Internal MHV Personal Loan refinances are not applicable with this promotional rate.
Rate available to member in good standing, based on credit qualifications, approved starting January 1, 2025 for loans from $300 and to $25,000. Rate reflects .25% discount for automatic payments from your MHV savings or checking account. Subject to change or terminate at the discretion of MHV. Internal MHV Personal Loan refinances are not applicable with this promotional rate.
As low as
As Low As; Up to $25,000
As Low As; Auto Pay Discount: 7.39%
No additional details available.
As low as
Credit Score: 760+; Credit Tier: A+
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)
Model Year: 2021-25
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$15
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As Low As*
APR with Discount as low as*; 7.75%
As Low As;*
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As low as
As low as; Debt Protection is available
No additional details available.
Borrow up to $20,000
As low as*
No additional details available.
As low as
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Amount: Up to $30,000
No additional details available.
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Borrow up to $10,000.00, Delay first payment for 60 days; As Low As;*
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Rate: Base; +100: 9.00%; +200: 10.00%; +400: 12.00%; +800: 16.00%; +1200: 17.99%
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.
As Low As*
As Low As*
No additional details available.
As Low As*
APR* (as low as)
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As Low As;*
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As Low As
As low as
As Low As*
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up to $20,000
As Low As;*
No additional details available.
As Low As
As Low As
APR* (as low as)
No additional details available.
As low as
Rates start as low as
As low as; .25% rate discount with auto pay or direct deposit
Fixed
No additional details available.
As Low As; Auto Pay Discount: 8.39%
Model Year: 2021-25
Maximum Loan: $25,000
No additional details available.
As low as; Unsecured Personal Loan Max $15,000
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
Credit Score: 760+; Credit Tier: A+
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. **Not all loans qualify for 72 months. Please use our payment calculator for specific payment estimates.
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As low as
As Low As*
As Low As*
As Low As
As Low As
As Low As
Credit Score: 690+
No additional details available.
Fixed
Term: 3 year draw/3 year term; Rate: Prime + 2.00% w/Deposit Relationship**
Model Year: 2019-20
No additional details available.
As Low As; *
A signature loan of $8,000 for 60 months at 8.75% APR may have a monthly payment of $165.10.
As Low As
No additional details available.
As Low As; Rate includes auto-pay discount of .25%
As low as
As Low As*
APR range: 8.90% - 17.00%
APR with Discount as low as*; 8.45%
As Low As; [2]
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. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
Rates are accurate as of 07/20/2026 and subject to change without notice. Loans paid via direct deposit will receive a 0.50% discount off the APR. If direct deposit is discontinued, your APR will increase by 0.50% (excluding Stock-, Share- and Certificate-Secured, Overdraft Protection and Real Estate Loans). *Not all borrowers will qualify for the lowest APR.
As low as
Upton Personal Loan Rates
As low as; Unsecured Personal Loan Max $2,500
Rates as low as
No additional details available.
As Low As; Auto Pay Discount: 6.39%
No additional details available.
No additional details available.
As Needed
As Low As; Rates
Borrow up to $20,000
No additional details available.
As low as*
Secured by Share Certificate
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Personal Loan
The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
No additional details available.
Borrow up to $20,000
Rate available to member in good standing, based on credit qualifications, approved starting January 1, 2025 for loans from $300 and to $25,000. Rate reflects .25% discount for automatic payments from your MHV savings or checking account. Subject to change or terminate at the discretion of MHV. Internal MHV Personal Loan refinances are not applicable with this promotional rate.
As Low As; Up to $25,000
As Low As; Auto Pay Discount: 7.39%
No additional details available.
Credit Score: 760+; Credit Tier: A+
APR* (as low as)
Model Year: 2021-25
No additional details available.
No additional details available.
As Low As*
No additional details available.
As low as; Debt Protection is available
No additional details available.
Borrow up to $20,000
Amount: Up to $30,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Rate: Base; +100: 9.00%; +200: 10.00%; +400: 12.00%; +800: 16.00%; +1200: 17.99%
No additional details available.
As Low As*
APR* (as low as)
No additional details available.
No additional details available.
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As Low As;*
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up to $20,000
No additional details available.
As Low As
APR* (as low as)
Fixed
No additional details available.
As Low As; Auto Pay Discount: 8.39%
Model Year: 2021-25
Maximum Loan: $25,000
No additional details available.
As low as; Unsecured Personal Loan Max $15,000
As Low As
As Low As
No additional details available.
Credit Score: 760+; Credit Tier: A+
No additional details available.
No additional details available.
As Low As*
As Low As
Credit Score: 690+
No additional details available.
Fixed
Model Year: 2019-20
No additional details available.
As Low As; *
As Low As
No additional details available.
As Low As; Rate includes auto-pay discount of .25%
APR range: 8.90% - 17.00%
As Low As; [2]
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. The monthly payment amount is calculated per $1,000 and is based on a 30-day month.
Upton Debt Consolidation Loan Rates
No additional details available.
No additional details available.
Rate available to member in good standing, based on credit qualifications, approved starting January 1, 2025 for loans from $300 and to $25,000. Rate reflects .25% discount for automatic payments from your MHV savings or checking account. As an example, a 47-month term with a fixed rate of 7.49% APR would result in an estimated payment of $24.57 for each $1,000 financed. Subject to change or terminate at the discretion of MHV. Internal MHV Personal Loan refinances are not applicable with this promotional rate.
No additional details available.
No additional details available.
Borrow up to $10,000.00, Delay first payment for 60 days; As Low As;*
No additional details available.
Rate includes Direct Deposit discount
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No additional details available.
Rate includes Direct Deposit discount
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. Does not apply to member with existing equity loans.
No additional details available.
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.
Rate includes Direct Deposit discount
No additional details available.
No additional details available.
Rate includes Direct Deposit discount
No additional details available.
As Low As
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. Does not apply to member with existing equity loans.
No additional details available.
Without Direct Deposit
As Low As
As Low As
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As Low As
Annual Percentage Rate - As Low As*. Rates as of March 2, 2026. Rates Subject to Change Without Notice.
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As Low As; APR range: 13.50%-18.00%
Upton Signature Loan Rates
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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; Payment Amount As Low AS
No additional details available.
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As low as
As Low As;*
As low as
No additional details available.
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As Low As;*
As low as
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As low as
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As Low As*
As Low As*
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As low as
As Low As*
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As Low As;*
As Low As
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As low as
Rates start as low as
As low as; .25% rate discount with auto pay or direct deposit
As Low As
As low as
As Low As*
A signature loan of $8,000 for 60 months at 8.75% APR may have a monthly payment of $165.10.
As Low As; Rate includes auto-pay discount of .25%
As low as
As Low As*
Rates are accurate as of 07/20/2026 and subject to change without notice. Loans paid via direct deposit will receive a 0.50% discount off the APR. If direct deposit is discontinued, your APR will increase by 0.50% (excluding Stock-, Share- and Certificate-Secured, Overdraft Protection and Real Estate Loans). *Not all borrowers will qualify for the lowest APR.
As low as
Upton, NY Personal Loan Rate Trends
Compare local Upton, 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 0.056 points over the past 7 days to 9.970% APR.
New York signature loan rates rose 0.283 points over the past 7 days to 10.106% APR.
Upton, NY Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current New York figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current NY average personal loan APR of 9.97%, across the terms lenders serving Upton, New York most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $230.65/mo | $161.26/mo | $126.74/mo | $106.16/mo |
| $10,000 | $461.31/mo | $322.53/mo | $253.48/mo | $212.32/mo |
| $15,000 | $691.96/mo | $483.79/mo | $380.22/mo | $318.48/mo |
| $25,000 | $1,153.27/mo | $806.32/mo | $633.70/mo | $530.80/mo |
| $35,000 | $1,614.58/mo | $1,128.85/mo | $887.18/mo | $743.12/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Upton, New York
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the NY personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (NY average) | 9.97% | $380.22 | $3,251 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,899 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,434 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $6,026 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Upton, New York
Prequalify With a Soft Credit Check
Most lenders serving Upton, New York will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our New York data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Upton, New York auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Upton, New York high-yield savings account costs nothing and earns interest instead of paying it
New York Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $380 monthly loan payment is roughly 9.0% of the median individual income in New York. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Upton, New York.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current NY average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Upton, 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 Upton, 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 Upton, 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 Upton, New York?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Upton, New York?
- Haverhill Fire Department Credit Union: 4.49% (Share Secured/Credit Building Loan)
- Rome Federal Credit Union: 5.49% (Unsecured Personal Loan)
- FASNY Federal Credit Union: 5.74% (Signature Loans)
- Kenmore NY Teachers Federal Credit Union: 5.99% (UnLOCk Personal Line-of-Credit Loan)
- Adirondack Regional Federal Credit Union: 5.99% (Signature Loans)
Upton, New York Rates & Resources
Personal Loan Calculators
