Best Personal Loan Rates in Franklin, North Carolina (NC) - March 2026
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Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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: First Bank (NC)First Bank (NC)30 Hyatt Rd, Franklin, NC, 28734A+5.0 ★Texas Ratio: 2.06% offering ITIN Loans at 7.20% APR, 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 11.50% APR, Baxter Credit UnionBaxter Credit Union67 Pitts Station Rd, Marion, NC, 28752 7925A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, and Self-Help Credit UnionSelf-Help Credit Union301 W Main St, Durham, NC, 27701A5.0 ★Texas Ratio: 7.18% offering Energy Saver Loans at 5.50% APR. Personal loan rates as of March 26, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Franklin, North Carolina can save you significantly over the life of your loan.
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: March 26, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
First Bank (NC)
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
30 Hyatt Rd, Franklin, NC, 28734
ITIN Loans
7.20%
▼
APR7.20%
Last UpdatedMarch 26, 2026
Details
Calculation is based on 80% loan-to-value. Payment does not include taxes and insurance premiums. The actual payment amount will be higher. These payments are based on recent interest rates and can vary based on individual credit.
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 UpdatedMarch 26, 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
11.50%
▼
APR11.50%
Last UpdatedMarch 26, 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 UpdatedMarch 26, 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 UpdatedMarch 26, 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
Seasonal Loans
12.00%
▼
APR12.00%
Last UpdatedMarch 26, 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 UpdatedMarch 26, 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
14.50%
▼
APR14.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMarch 26, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMarch 26, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Energy Saver Loans
5.50%
▼
APR5.50%
Last UpdatedMarch 26, 2026
Details
up to 180 months
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Solar Loans
5.50%
▼
APR5.50%
Last UpdatedMarch 26, 2026
Details
up to 240 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Share Loan
5.75%
▼
APR5.75%
Last UpdatedMarch 26, 2026
Details
Payroll Deduction or Automatic Draft APR
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
803 Stiner Road, Fort Bragg, NC, 28307
VA Loan
5.81%
▼
APR5.81%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
803 Stiner Road, Fort Bragg, NC, 28307
VA Refi Loan
5.94%
▼
APR5.94%
Last UpdatedMarch 26, 2026
Details
No additional details available.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Technology Loans
5.99%
▼
APR5.99%
Last UpdatedMarch 26, 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%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Computer Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 26, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Share Loan
6.25%
▼
APR6.25%
Last UpdatedMarch 26, 2026
Details
Non-Payroll Deduction APR
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
803 Stiner Road, Fort Bragg, NC, 28307
FHA Loan
6.41%
▼
APR6.41%
Last UpdatedMarch 26, 2026
Details
No additional details available.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC, 27518
Fixed Equity Loan
6.48%
▼
APR6.48%
Last UpdatedMarch 26, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Credit Builder Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 26, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Computer Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 26, 2026
Details
As Low As; Non-Payroll Deduction
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC, 28054
Credit Builder Plus Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Loan Promotion / A
6.90%
▼
APR6.90%
Last UpdatedMarch 26, 2026
Details
$3000
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Loan Promotion / A+
6.90%
▼
APR6.90%
Last UpdatedMarch 26, 2026
Details
$3000
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Energy Efficient Loan
6.90%
▼
APR6.90%
Last UpdatedMarch 26, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 26, 2026
Details
All rates are based on a term of 84 months
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedMarch 26, 2026
Details
Up to 60 months
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1823 Banking St, Greensboro, NC, 27408
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedMarch 26, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC, 27886
Signature
7.50%
▼
APR7.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC, 27518
Lot Loan-10 Yr Conf
7.52%
▼
APR7.52%
Last UpdatedMarch 26, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Other Collateralized Loans Less than
7.75%
▼
APR7.75%
Last UpdatedMarch 26, 2026
Details
$14,999
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Loan Promotion / B
7.90%
▼
APR7.90%
Last UpdatedMarch 26, 2026
Details
$3000
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Personal Convenience Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 26, 2026
Details
$500 - $50,000, 6 - 84 Months. Fixed Rate.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Debt180 Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 26, 2026
Details
$500 - $50,000, 6 - 84 Months. Fixed Rate.
Greensboro Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
Signature
8.00%
▼
APR8.00%
Last UpdatedMarch 26, 2026
Details
Unsecured
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
8.00%
▼
APR8.00%
Last UpdatedMarch 26, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedMarch 26, 2026
Details
$20,000; As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Land or Lot Loan
8.24%
▼
APR8.24%
Last UpdatedMarch 26, 2026
Details
$5,000 - $200,000. 10-acre maximum.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
8.25%
▼
APR8.25%
Last UpdatedMarch 26, 2026
Details
As Low As
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC, 27103 4625
Equipment Loans
8.25%
▼
APR8.25%
Last UpdatedMarch 26, 2026
Details
As Low As; Up to 48 Months
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
2401 E Ash St, Goldsboro, NC, 27534 7513
Recreational Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 26, 2026
Details
As Low As; MODEL YEAR: 2019-2025
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 26, 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%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
8.50%
▼
APR8.50%
Last UpdatedMarch 26, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Unsecured Loan
8.65%
▼
APR8.65%
Last UpdatedMarch 26, 2026
Details
As Low As
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
882 16th St NE, Hickory, NC, 28601
Unsecured Lines of Credit
8.75%
▼
APR8.75%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 26, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC, 27103 4625
Personal
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
As Low As; Up to 60 Months
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
All rates are based on a term of 84 months
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Unsecured Loan
9.15%
▼
APR9.15%
Last UpdatedMarch 26, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Other Collateralized Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 26, 2026
Details
$15,000 -$25,000
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
9.25%
▼
APR9.25%
Last UpdatedMarch 26, 2026
Details
As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
Personal Loan
9.38%
▼
APR9.38%
Last UpdatedMarch 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedMarch 26, 2026
Details
$20,000; As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 26, 2026
Details
As Low As; Non-Payroll Deduction
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8210 W Market St, Greensboro, NC, 27409
Credit Builder Loan
9.50%
▼
APR9.50%
Last UpdatedMarch 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedMarch 26, 2026
Details
$5,000+; As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Loan to Value 95%
9.75%
▼
APR9.75%
Last UpdatedMarch 26, 2026
Details
All rates are based on a term of 84 months
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2120 NC HIGHWAY 71 N, MAXTON, NC, 28364 9433
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Lifestyle Loan
9.85%
▼
APR9.85%
Last UpdatedMarch 26, 2026
Details
Payroll Deduction or Automatic Draft
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
591 Brevard Rd, Asheville, NC, 28810 0001
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMarch 26, 2026
Details
No additional details available.
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Signature
9.90%
▼
APR9.90%
Last UpdatedMarch 26, 2026
Details
As Low As; Rates as low as 9.90%
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedMarch 26, 2026
Details
As Low As
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 UpdatedMarch 26, 2026
Details
$1499.00
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 UpdatedMarch 26, 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 Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 26, 2026
Details
Fixed Rates only. Terms available up to 60 months.
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 UpdatedMarch 26, 2026
Details
As Low As
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 26, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
591 Brevard Rd, Asheville, NC, 28810 0001
Personal Lines of Credit
9.99%
▼
APR9.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Floretta Pl, Raleigh, NC, 27676 9803
Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1501 River Rd, Cofield, NC, 27922
Share Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
10.00%
▼
APR10.00%
Last UpdatedMarch 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMarch 26, 2026
Details
$7,500+; As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Personal (Lifestyle Loan)
10.25%
▼
APR10.25%
Last UpdatedMarch 26, 2026
Details
As Low As
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMarch 26, 2026
Details
Score: A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
Score: A+ = 750+
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
Up to 48 Months
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Term Note Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
$20,000 Maximum - Individual & Joint; 90 Day Maximum
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Unsecured Term 0 - 36 Months
10.50%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
Up to $5,000.00
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Unsecured Term 37-60 Months
10.50%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
$5,000.01-$15,000.00
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 UpdatedMarch 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedMarch 26, 2026
Details
$10,000+; As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
119 N Salisbury St, Raleigh, NC, 27603 1739
Closed-End Signature
10.75%
▼
APR10.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2031 RUTHERFORD RD, MARION, NC, 28752
Personal Maximum per Household
10.75%
▼
APR10.75%
Last UpdatedMarch 26, 2026
Details
$5,000.00
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
2401 E Ash St, Goldsboro, NC, 27534 7513
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedMarch 26, 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%
2401 E Ash St, Goldsboro, NC, 27534 7513
Unsecured Personal Loan
10.75%
▼
APR10.75%
Last UpdatedMarch 26, 2026
Details
As Low As; Up to 36 months**
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Personal (Lifestyle Loan)
10.75%
▼
APR10.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Loan to Value 70%
10.75%
▼
APR10.75%
Last UpdatedMarch 26, 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%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
10.75%
▼
APR10.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Loan Promotion / C
10.90%
▼
APR10.90%
Last UpdatedMarch 26, 2026
Details
$3000
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Personal
10.90%
▼
APR10.90%
Last UpdatedMarch 26, 2026
Details
As Low As
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
850 Harrison Rd, Salisbury, NC, 28147 9021
Roaring Start Credit Builder Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
Borrow: $500 to $1,200, with flexibility to increase if needed.
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
850 Harrison Rd, Salisbury, NC, 28147 9021
Roaring Start Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
Score: A+ = 750+
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Signature Loans with Collateral
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
up to 48 months
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
Up to 60 Months
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
4180 Western Blvd, Jacksonville, NC, 28546 6740
Personal
11.15%
▼
APR11.15%
Last UpdatedMarch 26, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Unsecured Loan
11.24%
▼
APR11.24%
Last UpdatedMarch 26, 2026
Details
As Low As
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
562 Caratoke Hwy, Moyock, NC, 27958 8740
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMarch 26, 2026
Details
No additional details available.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Personal (Lifestyle Loan)
11.25%
▼
APR11.25%
Last UpdatedMarch 26, 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 UpdatedMarch 26, 2026
Details
No additional details available.
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
119 N Salisbury St, Raleigh, NC, 27603 1739
Open-End Signature loan
11.50%
▼
APR11.50%
Last UpdatedMarch 26, 2026
Details
Regular APR: 11.50% - 14.50%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMarch 26, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMarch 26, 2026
Details
Up to 72 Months
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
MAX LOAN TERMS
11.50%
▼
APR11.50%
Last UpdatedMarch 26, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Personal (Lifestyle Loan)
11.75%
▼
APR11.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC, 27701 3315
Loan to Value 85%
11.75%
▼
APR11.75%
Last UpdatedMarch 26, 2026
Details
All rates are based on a term of 84 months
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Signature- Unsecured
12.00%
▼
APR12.00%
Last UpdatedMarch 26, 2026
Details
up to 48 months
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC, 27106
Signature
12.00%
▼
APR12.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMarch 26, 2026
Details
Score: A = 680-749
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Unsecured Loan
12.24%
▼
APR12.24%
Last UpdatedMarch 26, 2026
Details
As Low As
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC, 28054
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedMarch 26, 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%
711 E SALEM AVE, WINSTON SALEM, NC, 27101 5365
Signature - Unsecured
12.25%
▼
APR12.25%
Last UpdatedMarch 26, 2026
Details
No additional details available.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC, 27518
Signature Loan
12.27%
▼
APR12.27%
Last UpdatedMarch 26, 2026
Details
As Low As
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
850 Harrison Rd, Salisbury, NC, 28147 9021
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMarch 26, 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
Recruit Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 26, 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
Consumer Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 26, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 26, 2026
Details
Score: B = 640-679
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC, 28021 9211
Personal Loans
12.75%
▼
APR12.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
PERSONAL LOANS
12.99%
▼
APR12.99%
Last UpdatedMarch 26, 2026
Details
An example monthly payment for a $20,000 personal loan at 12.99% for 60 months would be $457.29. All loans are subject to credit approval. Rates, terms, and conditions vary based on creditworthiness and amount financed. Other restrictions may apply. Rate and terms subject to change.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedMarch 26, 2026
Details
Score: B = 640-679
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Comaker Loan
13.00%
▼
APR13.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
13.50%
▼
APR13.50%
Last UpdatedMarch 26, 2026
Details
Score: C = 600-639
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Unsecured Loan
13.50%
▼
APR13.50%
Last UpdatedMarch 26, 2026
Details
Payroll Deduction or Automatic Draft APR
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMarch 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMarch 26, 2026
Details
As Low As; Rates as low as 13.74% APR* for a 12-month term.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedMarch 26, 2026
Details
Score: C = 600-639
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 UpdatedMarch 26, 2026
Details
No additional details available.
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
3 Academy ST, Canton, NC, 28716
Fuel Loan
14.00%
▼
APR14.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Unsecured
14.25%
▼
APR14.25%
Last UpdatedMarch 26, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Loan Promotion / D
14.40%
▼
APR14.40%
Last UpdatedMarch 26, 2026
Details
$3000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1823 Banking St, Greensboro, NC, 27408
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedMarch 26, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Greensboro Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 26, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedMarch 26, 2026
Details
$20,000; As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
Personal Loan
9.38%
▼
APR9.38%
Last UpdatedMarch 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedMarch 26, 2026
Details
$20,000; As Low As
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedMarch 26, 2026
Details
$5,000+; As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2120 NC HIGHWAY 71 N, MAXTON, NC, 28364 9433
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
591 Brevard Rd, Asheville, NC, 28810 0001
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMarch 26, 2026
Details
No additional details available.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 26, 2026
Details
Fixed Rates only. Terms available up to 60 months.
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 UpdatedMarch 26, 2026
Details
As Low As
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 UpdatedMarch 26, 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 UpdatedMarch 26, 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 UpdatedMarch 26, 2026
Details
$1499.00
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 26, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMarch 26, 2026
Details
$7,500+; As Low As
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMarch 26, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
Up to 48 Months
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
Score: A+ = 750+
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedMarch 26, 2026
Details
$10,000+; As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
2401 E Ash St, Goldsboro, NC, 27534 7513
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedMarch 26, 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%
2401 E Ash St, Goldsboro, NC, 27534 7513
Unsecured Personal Loan
10.75%
▼
APR10.75%
Last UpdatedMarch 26, 2026
Details
As Low As; Up to 36 months**
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
Score: A+ = 750+
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
Up to 60 Months
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
562 Caratoke Hwy, Moyock, NC, 27958 8740
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMarch 26, 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 UpdatedMarch 26, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMarch 26, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMarch 26, 2026
Details
Up to 72 Months
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMarch 26, 2026
Details
Score: A = 680-749
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
850 Harrison Rd, Salisbury, NC, 28147 9021
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 26, 2026
Details
Score: B = 640-679
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 26, 2026
Details
As Low As
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC, 28021 9211
Personal Loans
12.75%
▼
APR12.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
PERSONAL LOANS
12.99%
▼
APR12.99%
Last UpdatedMarch 26, 2026
Details
An example monthly payment for a $20,000 personal loan at 12.99% for 60 months would be $457.29. All loans are subject to credit approval. Rates, terms, and conditions vary based on creditworthiness and amount financed. Other restrictions may apply. Rate and terms subject to change.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedMarch 26, 2026
Details
Score: B = 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
13.50%
▼
APR13.50%
Last UpdatedMarch 26, 2026
Details
Score: C = 600-639
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMarch 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMarch 26, 2026
Details
As Low As; Rates as low as 13.74% APR* for a 12-month term.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedMarch 26, 2026
Details
Score: C = 600-639
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 UpdatedMarch 26, 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 UpdatedMarch 26, 2026
Details
No additional details available.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Debt180 Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 26, 2026
Details
$500 - $50,000, 6 - 84 Months. Fixed Rate.
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 26, 2026
Details
As Low As
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 26, 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%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC, 27103 5779
Debt Consolidation
15.45%
▼
APR15.45%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Debt Consolidation
16.99%
▼
APR16.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Powered by
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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
11.50%
▼
APR11.50%
Last UpdatedMarch 26, 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 UpdatedMarch 26, 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 UpdatedMarch 26, 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
14.50%
▼
APR14.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC, 27278
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedMarch 26, 2026
Details
Up to 60 months
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC, 27886
Signature
7.50%
▼
APR7.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
Signature
8.00%
▼
APR8.00%
Last UpdatedMarch 26, 2026
Details
Unsecured
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Signature
9.90%
▼
APR9.90%
Last UpdatedMarch 26, 2026
Details
As Low As; Rates as low as 9.90%
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedMarch 26, 2026
Details
As Low As
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Floretta Pl, Raleigh, NC, 27676 9803
Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
119 N Salisbury St, Raleigh, NC, 27603 1739
Closed-End Signature
10.75%
▼
APR10.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Signature Loans with Collateral
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
up to 48 months
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
119 N Salisbury St, Raleigh, NC, 27603 1739
Open-End Signature loan
11.50%
▼
APR11.50%
Last UpdatedMarch 26, 2026
Details
Regular APR: 11.50% - 14.50%
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Signature- Unsecured
12.00%
▼
APR12.00%
Last UpdatedMarch 26, 2026
Details
up to 48 months
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC, 27106
Signature
12.00%
▼
APR12.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC, 28054
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedMarch 26, 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%
711 E SALEM AVE, WINSTON SALEM, NC, 27101 5365
Signature - Unsecured
12.25%
▼
APR12.25%
Last UpdatedMarch 26, 2026
Details
No additional details available.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC, 27518
Signature Loan
12.27%
▼
APR12.27%
Last UpdatedMarch 26, 2026
Details
As Low As
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No home improvement personal loan rates found in Franklin, NC currently.
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?
- First Bank (NC): 7.20% (ITIN Loans)
- Mountain Credit Union: 10.99% (Debt Consolidation Loan)
- State Employees Credit Union: 11.50% (Open-End Signature Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Self-Help Credit Union: 5.50% (Energy Saver Loans)
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: March 26, 2026.
Personal Loan Calculators
