Best Personal Loan Rates in Charlotte, North Carolina (NC) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to North Carolina borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Charlotte, North Carolina include: Allegacy Federal Credit UnionAllegacy Federal Credit Union100 Queens Rd, Charlotte, NC, 28204A5.0 ★Texas Ratio: 6.91% offering Share Loan at 5.75% APR, Self-Help Credit UnionSelf-Help Credit Union1065 Providence Rd, Charlotte, NC, 28207 2568A5.0 ★Texas Ratio: 7.18% offering Energy Saver Loans at 5.75% APR, Latino Community Credit UnionLatino Community Credit Union3130 Milton Rd, Charlotte, NC, 28215A+5.0 ★Texas Ratio: 5.99% offering Loan at 7.00% APR, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union5023 Central Ave, Charlotte, NC, 28205A+5.0 ★Texas Ratio: 4.17% offering Personal Loan at 7.49% APR, and Truliant Federal Credit UnionTruliant Federal Credit Union6051 Tyvola Glen Cir, Charlotte, NC, 28217A5.0 ★Texas Ratio: 7.58% offering Personal Loans at 7.99% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Charlotte has 14 local institutions in our database, with personal loan rates as low as 5.75% APR from Allegacy Federal Credit Union at 100 Queens Rd, Charlotte, NC, 28204. 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 Charlotte, North Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Charlotte, North Carolina. 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: April 12, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Share Loan
5.75%
▼
APR5.75%
Last UpdatedApril 13, 2026
Details
Payroll Deduction or Automatic Draft APR
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Energy Saver Loans
5.75%
▼
APR5.75%
Last UpdatedApril 13, 2026
Details
up to 180 months
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Solar Loans
5.75%
▼
APR5.75%
Last UpdatedApril 13, 2026
Details
up to 240 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Computer Loan
6.00%
▼
APR6.00%
Last UpdatedApril 13, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Share Loan
6.25%
▼
APR6.25%
Last UpdatedApril 13, 2026
Details
Non-Payroll Deduction APR
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Computer Loan
6.50%
▼
APR6.50%
Last UpdatedApril 13, 2026
Details
As Low As; Non-Payroll Deduction
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Loan
7.00%
▼
APR7.00%
Last UpdatedApril 13, 2026
Details
All rates are based on a term of 84 months
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 13, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
6051 Tyvola Glen Cir, Charlotte, NC, 28217
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 13, 2026
Details
As Low As; Learn More
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
8.00%
▼
APR8.00%
Last UpdatedApril 13, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
8.25%
▼
APR8.25%
Last UpdatedApril 13, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
8.50%
▼
APR8.50%
Last UpdatedApril 13, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Loan
8.50%
▼
APR8.50%
Last UpdatedApril 13, 2026
Details
All rates are based on a term of 84 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedApril 13, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Loan
9.00%
▼
APR9.00%
Last UpdatedApril 13, 2026
Details
All rates are based on a term of 84 months
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
9.25%
▼
APR9.25%
Last UpdatedApril 13, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedApril 13, 2026
Details
As Low As; Non-Payroll Deduction
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Loan to Value 95%
9.75%
▼
APR9.75%
Last UpdatedApril 13, 2026
Details
All rates are based on a term of 84 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Lifestyle Loan
9.85%
▼
APR9.85%
Last UpdatedApril 13, 2026
Details
Payroll Deduction or Automatic Draft APR
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Signature
9.90%
▼
APR9.90%
Last UpdatedApril 13, 2026
Details
As Low As; Rates as low as 9.90%
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
$1499.00
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
10.00%
▼
APR10.00%
Last UpdatedApril 13, 2026
Details
As Low As
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
7422 Carmel Executive Park Dr Ste 100, Charlotte, NC, 28226 0426
All-Purpose Loan
10.74%
▼
APR10.74%
Last UpdatedApril 13, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
10.75%
▼
APR10.75%
Last UpdatedApril 13, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Loan to Value 70%
10.75%
▼
APR10.75%
Last UpdatedApril 13, 2026
Details
All rates are based on a term of 84 months
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Open-End Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 13, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28273
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 13, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
11.50%
▼
APR11.50%
Last UpdatedApril 13, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Signature Loans with Collateral
11.50%
▼
APR11.50%
Last UpdatedApril 13, 2026
Details
up to 48 months
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Signature Term Note
11.75%
▼
APR11.75%
Last UpdatedApril 13, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Loan to Value 85%
11.75%
▼
APR11.75%
Last UpdatedApril 13, 2026
Details
All rates are based on a term of 84 months
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
2830 Boyer St, Charlotte, NC, 28208
Signature
12.00%
▼
APR12.00%
Last UpdatedApril 13, 2026
Details
As Low As
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Consumer Loan
12.50%
▼
APR12.50%
Last UpdatedApril 13, 2026
Details
No additional details available.
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Recruit Loan
12.50%
▼
APR12.50%
Last UpdatedApril 13, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Signature- Unsecured
12.50%
▼
APR12.50%
Last UpdatedApril 13, 2026
Details
up to 48 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Unsecured Loan
13.50%
▼
APR13.50%
Last UpdatedApril 13, 2026
Details
Payroll Deduction or Automatic Draft APR
Nova Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3601 Mulberry Church Rd, Charlotte, NC, 28208
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Unsecured
14.25%
▼
APR14.25%
Last UpdatedApril 13, 2026
Details
As Low As; Payroll Deduction or Automatic Draft APR
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Open-End Signature Loan
14.25%
▼
APR14.25%
Last UpdatedApril 13, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Unsecured
14.75%
▼
APR14.75%
Last UpdatedApril 13, 2026
Details
As Low As; Non-Payroll Deduction APR
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
No Credit Check Loan*
15.00%
▼
APR15.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedApril 13, 2026
Details
Maximum APR: 18.00%
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedApril 13, 2026
Details
As Low As; ...
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan - Credit Rebuilding
17.90%
▼
APR17.90%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR4.50%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 13, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 13, 2026
Details
As Low As
APR5.00%
Last UpdatedApril 13, 2026
Details
As Low As
APR5.50%
Last UpdatedApril 13, 2026
Details
As Low As
APR5.50%
Last UpdatedApril 13, 2026
Details
As Low As
APR5.75%
Last UpdatedApril 13, 2026
Details
As Low As
APR5.99%
Last UpdatedApril 13, 2026
Details
As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
APR6.00%
Last UpdatedApril 13, 2026
Details
As Low As
APR6.25%
Last UpdatedApril 13, 2026
Details
As Low As
APR6.25%
Last UpdatedApril 13, 2026
Details
As Low As
APR6.50%
Last UpdatedApril 13, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Credit Builder Loan
6.50%
▼
APR6.50%
Last UpdatedApril 13, 2026
Details
As Low As
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedApril 13, 2026
Details
As Low As
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Credit Builder Plus Loan
6.75%
▼
APR6.75%
Last UpdatedApril 13, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
6.90%
▼
APR6.90%
Last UpdatedApril 13, 2026
Details
$3000; Score: A+ = 750+
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Energy Efficient Loan
6.90%
▼
APR6.90%
Last UpdatedApril 13, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 13, 2026
Details
As Low As
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedApril 13, 2026
Details
Up to 60 months
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedApril 13, 2026
Details
As Low As
APR7.50%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR7.50%
Last UpdatedApril 13, 2026
Details
As Low As
APR7.75%
Last UpdatedApril 13, 2026
Details
$14,999
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
7.90%
▼
APR7.90%
Last UpdatedApril 13, 2026
Details
$3000; Score: B = 640-679
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 13, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 13, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 13, 2026
Details
As Low As
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 13, 2026
Details
Unsecured
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedApril 13, 2026
Details
$20,000; As Low As
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
Equipment Loans
8.25%
▼
APR8.25%
Last UpdatedApril 13, 2026
Details
As Low As; Up to 48 Months
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Recreational Loan
8.50%
▼
APR8.50%
Last UpdatedApril 13, 2026
Details
As Low As; MODEL YEAR: 2019-2025
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
Unsecured Lines of Credit
8.75%
▼
APR8.75%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 13, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Vacant Land Loans
9.00%
▼
APR9.00%
Last UpdatedApril 13, 2026
Details
Fixed 9.00% APR*
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
Personal
9.00%
▼
APR9.00%
Last UpdatedApril 13, 2026
Details
As Low As; Up to 60 Months
APR9.25%
Last UpdatedApril 13, 2026
Details
$15,000 -$25,000
APR9.38%
Last UpdatedApril 13, 2026
Details
As Low As
APR9.49%
Last UpdatedApril 13, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedApril 13, 2026
Details
$20,000; As Low As
APR9.49%
Last UpdatedApril 13, 2026
Details
As Low As
APR9.50%
Last UpdatedApril 13, 2026
Details
As Low As
APR9.74%
Last UpdatedApril 13, 2026
Details
$5,000+; As Low As
APR9.74%
Last UpdatedApril 13, 2026
Details
As Low As
APR9.90%
Last UpdatedApril 13, 2026
Details
As Low As
APR9.95%
Last UpdatedApril 13, 2026
Details
As Low As; Up to 60 Months
APR9.99%
Last UpdatedApril 13, 2026
Details
As Low As
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
APR9.99%
Last UpdatedApril 13, 2026
Details
Fixed Rates only. Terms available up to 60 months.
APR9.99%
Last UpdatedApril 13, 2026
Details
As Low As
APR10.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR10.24%
Last UpdatedApril 13, 2026
Details
$7,500+; As Low As
APR10.24%
Last UpdatedApril 13, 2026
Details
As Low As
APR10.25%
Last UpdatedApril 13, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 13, 2026
Details
Score: A+ = 750+
APR10.25%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR10.49%
Last UpdatedApril 13, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedApril 13, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
Unsecured Term 0 - 36 Months
10.50%
▼
APR10.50%
Last UpdatedApril 13, 2026
Details
Up to $5,000.00
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Term Note Loan
10.50%
▼
APR10.50%
Last UpdatedApril 13, 2026
Details
$20,000 Maximum - Individual & Joint
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 13, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 13, 2026
Details
Score: A+ = 750+
APR10.74%
Last UpdatedApril 13, 2026
Details
$10,000+; As Low As
APR10.75%
Last UpdatedApril 13, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 13, 2026
Details
As Low As; Rates start as low as 10.75% APR* for well-qualified borrowers, but do not exceed 17.50% APR*. Length of term offered varies by the amount borrowed.
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Unsecured Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 13, 2026
Details
As Low As; Up to 36 months**
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Closed-End Signature
10.75%
▼
APR10.75%
Last UpdatedApril 13, 2026
Details
As Low As
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Personal Unsecured Loans
10.75%
▼
APR10.75%
Last UpdatedApril 13, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
10.90%
▼
APR10.90%
Last UpdatedApril 13, 2026
Details
$3000; Score: C = 600-639
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedApril 13, 2026
Details
No additional details available.
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
Roaring Start Credit Builder Loan
10.99%
▼
APR10.99%
Last UpdatedApril 13, 2026
Details
Borrow: $500 to $1,200, with flexibility to increase if needed.
APR10.99%
Last UpdatedApril 13, 2026
Details
As Low As
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
Roaring Start Loan
10.99%
▼
APR10.99%
Last UpdatedApril 13, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 13, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Anything/Unsecured
11.24%
▼
APR11.24%
Last UpdatedApril 13, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Unsecured Loan
11.24%
▼
APR11.24%
Last UpdatedApril 13, 2026
Details
As Low As
APR11.24%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR11.25%
Last UpdatedApril 13, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Open-End Signature loan
11.25%
▼
APR11.25%
Last UpdatedApril 13, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 13, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR11.74%
Last UpdatedApril 13, 2026
Details
As Low As
APR11.75%
Last UpdatedApril 13, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 13, 2026
Details
Score: A = 680-749
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Disaster Loans
12.00%
▼
APR12.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR12.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR12.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedApril 13, 2026
Details
As Low As; *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
APR12.24%
Last UpdatedApril 13, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Unsecured Loan
12.24%
▼
APR12.24%
Last UpdatedApril 13, 2026
Details
As Low As
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Signature - Unsecured
12.25%
▼
APR12.25%
Last UpdatedApril 13, 2026
Details
No additional details available.
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 13, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedApril 13, 2026
Details
Score: B = 640-679
APR12.75%
Last UpdatedApril 13, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
Unsecured Term 37-60 Months
12.75%
▼
APR12.75%
Last UpdatedApril 13, 2026
Details
$5,000.01-$15,000.00
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 13, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 13, 2026
Details
Terms up to 60 months. Debt protection available.
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Comaker Loan
13.00%
▼
APR13.00%
Last UpdatedApril 13, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedApril 13, 2026
Details
Score: B = 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.50%
▼
APR13.50%
Last UpdatedApril 13, 2026
Details
Score: C = 600-639
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 13, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 13, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 13, 2026
Details
Score: C = 600-639
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Bridge Loans
14.00%
▼
APR14.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Tax Relief Loans
14.00%
▼
APR14.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Fuel Loan
14.00%
▼
APR14.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
14.40%
▼
APR14.40%
Last UpdatedApril 13, 2026
Details
$3000; Score: D = 550-599
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 13, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
6051 Tyvola Glen Cir, Charlotte, NC, 28217
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 13, 2026
Details
As Low As; Learn More
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
$1499.00
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28273
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 13, 2026
Details
No additional details available.
Nova Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3601 Mulberry Church Rd, Charlotte, NC, 28208
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedApril 13, 2026
Details
Maximum APR: 18.00%
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedApril 13, 2026
Details
As Low As; ...
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan - Credit Rebuilding
17.90%
▼
APR17.90%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR6.99%
Last UpdatedApril 13, 2026
Details
As Low As
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedApril 13, 2026
Details
As Low As
APR7.50%
Last UpdatedApril 13, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 13, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 13, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 13, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedApril 13, 2026
Details
$20,000; As Low As
APR9.38%
Last UpdatedApril 13, 2026
Details
As Low As
APR9.49%
Last UpdatedApril 13, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedApril 13, 2026
Details
$20,000; As Low As
APR9.74%
Last UpdatedApril 13, 2026
Details
$5,000+; As Low As
APR9.99%
Last UpdatedApril 13, 2026
Details
Fixed Rates only. Terms available up to 60 months.
APR10.24%
Last UpdatedApril 13, 2026
Details
$7,500+; As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 13, 2026
Details
Score: A+ = 750+
APR10.25%
Last UpdatedApril 13, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 13, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR10.74%
Last UpdatedApril 13, 2026
Details
$10,000+; As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 13, 2026
Details
As Low As; Rates start as low as 10.75% APR* for well-qualified borrowers, but do not exceed 17.50% APR*. Length of term offered varies by the amount borrowed.
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Unsecured Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 13, 2026
Details
As Low As; Up to 36 months**
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 13, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR11.24%
Last UpdatedApril 13, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 13, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 13, 2026
Details
Score: A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 13, 2026
Details
Score: A = 680-749
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 13, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedApril 13, 2026
Details
Score: B = 640-679
APR12.75%
Last UpdatedApril 13, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 13, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 13, 2026
Details
Terms up to 60 months. Debt protection available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedApril 13, 2026
Details
Score: B = 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.50%
▼
APR13.50%
Last UpdatedApril 13, 2026
Details
Score: C = 600-639
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 13, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 13, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 13, 2026
Details
Score: C = 600-639
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedApril 13, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 13, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 13, 2026
Details
As Low As
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Debt Consolidation
15.45%
▼
APR15.45%
Last UpdatedApril 13, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Debt Consolidation Loans
16.00%
▼
APR16.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Debt Consolidation
16.99%
▼
APR16.99%
Last UpdatedApril 13, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Signature
9.90%
▼
APR9.90%
Last UpdatedApril 13, 2026
Details
As Low As; Rates as low as 9.90%
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Open-End Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 13, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Signature Loans with Collateral
11.50%
▼
APR11.50%
Last UpdatedApril 13, 2026
Details
up to 48 months
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Signature Term Note
11.75%
▼
APR11.75%
Last UpdatedApril 13, 2026
Details
As Low As
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
2830 Boyer St, Charlotte, NC, 28208
Signature
12.00%
▼
APR12.00%
Last UpdatedApril 13, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Signature- Unsecured
12.50%
▼
APR12.50%
Last UpdatedApril 13, 2026
Details
up to 48 months
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Open-End Signature Loan
14.25%
▼
APR14.25%
Last UpdatedApril 13, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedApril 13, 2026
Details
Maximum APR: 18.00%
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedApril 13, 2026
Details
As Low As
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedApril 13, 2026
Details
Up to 60 months
APR7.50%
Last UpdatedApril 13, 2026
Details
No additional details available.
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 13, 2026
Details
Unsecured
APR9.90%
Last UpdatedApril 13, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 13, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedApril 13, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Closed-End Signature
10.75%
▼
APR10.75%
Last UpdatedApril 13, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Open-End Signature loan
11.25%
▼
APR11.25%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR12.24%
Last UpdatedApril 13, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedApril 13, 2026
Details
As Low As; *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Signature - Unsecured
12.25%
▼
APR12.25%
Last UpdatedApril 13, 2026
Details
No additional details available.
Powered by
MonitorBankRates
No home improvement personal loan rates found in Charlotte, NC currently.
Charlotte, NC Personal Loan Rate Trends
Compare local Charlotte, NC 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.
Personal Loan — NC Avg
10.849%
Unchanged vs 7 days ago
North Carolina personal loan rates currently average 10.849% APR.
Signature Loan — NC Avg
12.616%
Unchanged vs 7 days ago
North Carolina signature loan rates currently average 12.616% APR.
As of Apr 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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Frequently Asked Questions
What credit score do I need for a personal loan in North Carolina?
Most lenders in Charlotte, North Carolina require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in North Carolina often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Charlotte, North Carolina require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in North Carolina?
Yes. Debt consolidation is one of the most common uses of personal loans in Charlotte, North Carolina. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Charlotte, North Carolina?
Credit unions in Charlotte, North Carolina often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Charlotte, North Carolina?
- Allegacy Federal Credit Union: 5.75% (Share Loan)
- Self-Help Credit Union: 5.75% (Energy Saver Loans)
- Latino Community Credit Union: 7.00% (Loan)
- Carolinas Telco Federal Credit Union: 7.49% (Personal Loan)
- Truliant Federal Credit Union: 7.99% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Charlotte, North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 12, 2026.
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