Best Personal Loan Rates in Franklin, North Carolina (NC) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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 Franklin, North Carolina include: Mountain Credit UnionMountain Credit Union720 E Main St, Franklin, NC, 28734 2674A+5.0 ★Texas Ratio: 4.06% offering Debt Consolidation Loan at 10.99% APR, State Employees Credit UnionState Employees Credit Union245 CUNNINGHAM RD, FRANKLIN, NC, 28734A-5.0 ★Texas Ratio: 15.54% offering Open-End Signature Loan at 11.25% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Self-Help Credit UnionSelf-Help Credit UnionA5.0 ★Texas Ratio: 7.18% offering Energy Saver Loans at 5.75% APR, and Allegacy Federal Credit UnionAllegacy Federal Credit UnionA5.0 ★Texas Ratio: 6.91% offering Share Loan at 5.75% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Franklin has 2 local institutions in our database, with personal loan rates as low as 10.99% APR from Mountain Credit Union at 720 E Main St, Franklin, NC, 28734 2674. 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 Franklin, North Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Franklin, 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: May 12, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
720 E Main St, Franklin, NC, 28734 2674
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
245 CUNNINGHAM RD, FRANKLIN, NC, 28734
Open-End Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
245 CUNNINGHAM RD, FRANKLIN, NC, 28734
Signature Term Note
11.75%
▼
APR11.75%
Last UpdatedMay 12, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
720 E Main St, Franklin, NC, 28734 2674
Promotional Loan
12.00%
▼
APR12.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
720 E Main St, Franklin, NC, 28734 2674
Signature Loan
12.24%
▼
APR12.24%
Last UpdatedMay 12, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
245 CUNNINGHAM RD, FRANKLIN, NC, 28734
Open-End Signature Loan
14.25%
▼
APR14.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
720 E Main St, Franklin, NC, 28734 2674
Debt Consolidation Loan
15.99%
▼
APR15.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
720 E Main St, Franklin, NC, 28734 2674
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
APR4.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
APR4.64%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As
APR5.75%
Last UpdatedMay 12, 2026
Details
up to 180 months
APR5.75%
Last UpdatedMay 12, 2026
Details
up to 240 months
APR5.75%
Last UpdatedMay 12, 2026
Details
Payroll deduction or automatic draft
APR5.99%
Last UpdatedMay 12, 2026
Details
As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Computer Loan
6.00%
▼
APR6.00%
Last UpdatedMay 12, 2026
Details
As Low As; Payroll deduction or automatic draft
APR6.25%
Last UpdatedMay 12, 2026
Details
Non-payroll deducation
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Credit Builder Loan
6.50%
▼
APR6.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Computer Loan
6.50%
▼
APR6.50%
Last UpdatedMay 12, 2026
Details
As Low As; Non-payroll deducation
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Credit Builder Plus Loan
6.75%
▼
APR6.75%
Last UpdatedMay 12, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
6.75%
▼
APR6.75%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Energy Efficient Loan
6.90%
▼
APR6.90%
Last UpdatedMay 12, 2026
Details
As Low As
APR6.99%
Last UpdatedMay 12, 2026
Details
As Low As
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedMay 12, 2026
Details
Up to 60 months
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Loan Amounts
7.25%
▼
APR7.25%
Last UpdatedMay 12, 2026
Details
$0.01 - $35,000; As Low As
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedMay 12, 2026
Details
As Low As
APR7.49%
Last UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedMay 12, 2026
Details
As Low As
APR7.50%
Last UpdatedMay 12, 2026
Details
As Low As
APR7.75%
Last UpdatedMay 12, 2026
Details
$14,999
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 12, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As
APR8.00%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
Unsecured
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Loan Amounts
8.00%
▼
APR8.00%
Last UpdatedMay 12, 2026
Details
$0.01 - $35,000; As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As; Up to 48 Months
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Loan Amounts
8.50%
▼
APR8.50%
Last UpdatedMay 12, 2026
Details
$0.01 - $35,000; As Low As
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
Unsecured Lines of Credit
8.75%
▼
APR8.75%
Last UpdatedMay 12, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedMay 12, 2026
Details
As Low As; Payroll deduction or automatic draft
APR9.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
Personal
9.00%
▼
APR9.00%
Last UpdatedMay 12, 2026
Details
As Low As; Up to 60 Months
APR9.25%
Last UpdatedMay 12, 2026
Details
$15,000 -$25,000
APR9.38%
Last UpdatedMay 12, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedMay 12, 2026
Details
As Low As; Non-payroll deducation
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedMay 12, 2026
Details
$20,000; As Low As
APR9.49%
Last UpdatedMay 12, 2026
Details
As Low As
APR9.50%
Last UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 12, 2026
Details
As Low As
APR9.74%
Last UpdatedMay 12, 2026
Details
$5,000+; As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Lifestyle Loan
9.85%
▼
APR9.85%
Last UpdatedMay 12, 2026
Details
Payroll deduction or automatic draft
APR9.90%
Last UpdatedMay 12, 2026
Details
As Low As
APR9.90%
Last UpdatedMay 12, 2026
Details
As Low As
APR9.90%
Last UpdatedMay 12, 2026
Details
No additional details available.
APR9.95%
Last UpdatedMay 12, 2026
Details
As Low As; Up to 60 Months
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
APR9.99%
Last UpdatedMay 12, 2026
Details
Fixed Rates only. Terms available up to 60 months.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
$1499.00
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
As Low As
APR9.99%
Last UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Loan Amounts
10.00%
▼
APR10.00%
Last UpdatedMay 12, 2026
Details
$0.01 - $35,000; As Low As
APR10.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
APR10.24%
Last UpdatedMay 12, 2026
Details
$7,500+; As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMay 12, 2026
Details
As Low As
APR10.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
APR10.25%
Last UpdatedMay 12, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
Unsecured Term
10.50%
▼
APR10.50%
Last UpdatedMay 12, 2026
Details
Up to $5,000.00
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Term Note Loan
10.50%
▼
APR10.50%
Last UpdatedMay 12, 2026
Details
$20,000 Maximum - Individual & Joint
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
All-Purpose Loan
10.74%
▼
APR10.74%
Last UpdatedMay 12, 2026
Details
As Low As
APR10.74%
Last UpdatedMay 12, 2026
Details
$10,000+; As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Loan Amounts
10.75%
▼
APR10.75%
Last UpdatedMay 12, 2026
Details
$0.01 - $35,000; As Low As
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Personal Maximum per Household
10.75%
▼
APR10.75%
Last UpdatedMay 12, 2026
Details
$5,000.00
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Personal Unsecured Loans
10.75%
▼
APR10.75%
Last UpdatedMay 12, 2026
Details
As Low As
APR10.75%
Last UpdatedMay 12, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
APR11.24%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As
APR11.25%
Last UpdatedMay 12, 2026
Details
As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedMay 12, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Signature Loans with Collateral
11.50%
▼
APR11.50%
Last UpdatedMay 12, 2026
Details
up to 48 months
APR11.50%
Last UpdatedMay 12, 2026
Details
Payroll deduction or automatic draft
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
APR11.75%
Last UpdatedMay 12, 2026
Details
As Low As
APR12.00%
Last UpdatedMay 12, 2026
Details
Non-payroll deducation
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Disaster Loans
12.00%
▼
APR12.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Signature
12.00%
▼
APR12.00%
Last UpdatedMay 12, 2026
Details
As Low As
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedMay 12, 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.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Unsecured Loan
12.24%
▼
APR12.24%
Last UpdatedMay 12, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Signature- Unsecured
12.50%
▼
APR12.50%
Last UpdatedMay 12, 2026
Details
up to 48 months
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Consumer Loan
12.50%
▼
APR12.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Recruit Loan
12.50%
▼
APR12.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
Unsecured Term
12.75%
▼
APR12.75%
Last UpdatedMay 12, 2026
Details
$5,000.01-$15,000.00
APR12.75%
Last UpdatedMay 12, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedMay 12, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Comaker Loan
13.00%
▼
APR13.00%
Last UpdatedMay 12, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Unsecured Loan
13.50%
▼
APR13.50%
Last UpdatedMay 12, 2026
Details
Payroll deduction or automatic draft
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Bridge Loans
14.00%
▼
APR14.00%
Last UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
No additional details available.
APR14.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Signature Cash Back
14.25%
▼
APR14.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
APR14.25%
Last UpdatedMay 12, 2026
Details
As Low As; Payroll deduction or automatic draft
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As
APR14.75%
Last UpdatedMay 12, 2026
Details
As Low As; Non-payroll deducation
APR14.75%
Last UpdatedMay 12, 2026
Details
Regular APR: 14.75% - 18.00%
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Extra Personal Loan
14.99%
▼
APR14.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedMay 12, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum APR: 18.00%
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
As Low As; ...
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum Amount based on debt ratio, credit, and length of employment
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Quick Cash Loan
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
APR will be determined at time of application based on member-applicant qualifications.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
No Credit Check Loan
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
Personal Loan
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum Amount based on debt ratio, credit, and length of employment
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Debt Consolidation
15.45%
▼
APR15.45%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
No additional details available.
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Personal Loan
16.00%
▼
APR16.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Extra Personal Loan (High Balance)
16.99%
▼
APR16.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan - Credit Rebuilding
17.90%
▼
APR17.90%
Last UpdatedMay 12, 2026
Details
No additional details available.
APR17.95%
Last UpdatedMay 12, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Signature Cash Back
18.00%
▼
APR18.00%
Last UpdatedMay 12, 2026
Details
As Low As
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
First Flight Advance Loans
25.00%
▼
APR25.00%
Last UpdatedMay 12, 2026
Details
$20 application fee. Speak with a First Flight representative for full offer details.
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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%
Personal Loans
6.75%
▼
APR6.75%
Last UpdatedMay 12, 2026
Details
As Low As
APR6.99%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedMay 12, 2026
Details
As Low As
APR7.50%
Last UpdatedMay 12, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 12, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As
APR8.00%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
$20,000; As Low As
APR9.38%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
$20,000; As Low As
APR9.49%
Last UpdatedMay 12, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 12, 2026
Details
As Low As
APR9.74%
Last UpdatedMay 12, 2026
Details
$5,000+; As Low As
APR9.99%
Last UpdatedMay 12, 2026
Details
Fixed Rates only. Terms available up to 60 months.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
$1499.00
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
As Low As
APR10.24%
Last UpdatedMay 12, 2026
Details
$7,500+; As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMay 12, 2026
Details
As Low As
APR10.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 12, 2026
Details
No additional details available.
APR10.74%
Last UpdatedMay 12, 2026
Details
$10,000+; As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
APR11.24%
Last UpdatedMay 12, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
No additional details available.
APR12.75%
Last UpdatedMay 12, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedMay 12, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As
APR14.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Extra Personal Loan
14.99%
▼
APR14.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedMay 12, 2026
Details
As Low As
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
Personal Loan
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum Amount based on debt ratio, credit, and length of employment
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum Amount based on debt ratio, credit, and length of employment
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum APR: 18.00%
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
As Low As; ...
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Personal Loan
16.00%
▼
APR16.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Extra Personal Loan (High Balance)
16.99%
▼
APR16.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan - Credit Rebuilding
17.90%
▼
APR17.90%
Last UpdatedMay 12, 2026
Details
No additional details available.
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
720 E Main St, Franklin, NC, 28734 2674
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
720 E Main St, Franklin, NC, 28734 2674
Debt Consolidation Loan
15.99%
▼
APR15.99%
Last UpdatedMay 12, 2026
Details
No additional details available.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedMay 12, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
245 CUNNINGHAM RD, FRANKLIN, NC, 28734
Open-End Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
245 CUNNINGHAM RD, FRANKLIN, NC, 28734
Signature Term Note
11.75%
▼
APR11.75%
Last UpdatedMay 12, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
720 E Main St, Franklin, NC, 28734 2674
Signature Loan
12.24%
▼
APR12.24%
Last UpdatedMay 12, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
245 CUNNINGHAM RD, FRANKLIN, NC, 28734
Open-End Signature Loan
14.25%
▼
APR14.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
720 E Main St, Franklin, NC, 28734 2674
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedMay 12, 2026
Details
Up to 60 months
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 12, 2026
Details
Unsecured
APR9.90%
Last UpdatedMay 12, 2026
Details
As Low As
APR9.90%
Last UpdatedMay 12, 2026
Details
As Low As
APR9.99%
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Signature Loans with Collateral
11.50%
▼
APR11.50%
Last UpdatedMay 12, 2026
Details
up to 48 months
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Signature
12.00%
▼
APR12.00%
Last UpdatedMay 12, 2026
Details
As Low As
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedMay 12, 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.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Signature- Unsecured
12.50%
▼
APR12.50%
Last UpdatedMay 12, 2026
Details
up to 48 months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Signature Cash Back
14.25%
▼
APR14.25%
Last UpdatedMay 12, 2026
Details
No additional details available.
APR14.75%
Last UpdatedMay 12, 2026
Details
Regular APR: 14.75% - 18.00%
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Personal Loan, Signature
15.00%
▼
APR15.00%
Last UpdatedMay 12, 2026
Details
Maximum APR: 18.00%
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Personal Loan
16.00%
▼
APR16.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Signature Cash Back
18.00%
▼
APR18.00%
Last UpdatedMay 12, 2026
Details
As Low As
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedMay 12, 2026
Details
No additional details available.
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MonitorBankRates
No home improvement personal loan rates found in Franklin, NC currently.
Franklin, NC Personal Loan Rate Trends
Compare local Franklin, 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
10.223%
▲ 0.320 vs 7 days ago
North Carolina personal loan rates rose 0.320 points over the past 7 days to 10.223% APR.
Signature Loan — NC Avg
12.698%
Unchanged vs 7 days ago
North Carolina signature loan rates currently average 12.698% APR.
As of May 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in North Carolina?
Most lenders in Franklin, 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 Franklin, 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 Franklin, 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 Franklin, North Carolina?
Credit unions in Franklin, 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 Franklin, North Carolina?
- Mountain Credit Union: 10.99% (Debt Consolidation Loan)
- State Employees Credit Union: 11.25% (Open-End Signature Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Self-Help Credit Union: 5.75% (Energy Saver Loans)
- Allegacy Federal Credit Union: 5.75% (Share Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Franklin, North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026.
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