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Best Personal Loan Rates in Garner, North Carolina (NC) - March 2026

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Brian McKay Brian McKay
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| i Editorial Disclosure
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.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: March 27, 2026

Current personal loan options available to borrowers in Garner, North Carolina include: COASTALCOASTAL1060 Timber Dr E, Garner, NC, 27529 6913A+5.0 ★Texas Ratio: 0.50% offering Personal Loan at 9.49% APR, State Employees Credit UnionState Employees Credit Union28 OXHOLM CIR, GARNER, NC, 27529A-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, 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, and Allegacy Federal Credit UnionAllegacy Federal Credit Union1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993A5.0 ★Texas Ratio: 6.91% offering Share Loan at 5.75% APR. Personal loan rates as of March 27, 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 Garner, 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 Garner, North Carolina.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Garner, 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 27, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1060 Timber Dr E, Garner, NC, 27529 6913
Personal Loan
9.49%
View
▼
APR9.49%
Last UpdatedMarch 27, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
28 OXHOLM CIR, GARNER, NC, 27529
Open-End Signature Loan
11.50%
View
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details

No additional details available.

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
28 OXHOLM CIR, GARNER, NC, 27529
Signature Term Note
11.75%
View
▼
APR11.75%
Last UpdatedMarch 27, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
28 OXHOLM CIR, GARNER, NC, 27529
Open-End Signature Loan
14.50%
View
▼
APR14.50%
Last UpdatedMarch 27, 2026
Details

No additional details available.

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1060 Timber Dr E, Garner, NC, 27529 6913
Signature Premier Rewards
14.75%
View
▼
APR14.75%
Last UpdatedMarch 27, 2026
Details

Regular APR: 14.75% - 18.00%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Credit Builder Loan
4.50%
View
▼
APR4.50%
Last UpdatedMarch 27, 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%
View
▼
APR4.64%
Last UpdatedMarch 27, 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%
View
▼
APR4.80%
Last UpdatedMarch 27, 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%
View
▼
APR5.50%
Last UpdatedMarch 27, 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%
View
▼
APR5.50%
Last UpdatedMarch 27, 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%
View
▼
APR5.75%
Last UpdatedMarch 27, 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%
View
▼
APR5.81%
Last UpdatedMarch 27, 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%
View
▼
APR5.94%
Last UpdatedMarch 27, 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%
View
▼
APR5.99%
Last UpdatedMarch 27, 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%
View
▼
APR6.00%
Last UpdatedMarch 27, 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%
View
▼
APR6.25%
Last UpdatedMarch 27, 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%
View
▼
APR6.41%
Last UpdatedMarch 27, 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%
View
▼
APR6.48%
Last UpdatedMarch 27, 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%
View
▼
APR6.50%
Last UpdatedMarch 27, 2026
Details

As Low As; Non-Payroll Deduction

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%
View
▼
APR6.50%
Last UpdatedMarch 27, 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%
View
▼
APR6.75%
Last UpdatedMarch 27, 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%
View
▼
APR6.75%
Last UpdatedMarch 27, 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%
View
▼
APR6.90%
Last UpdatedMarch 27, 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%
View
▼
APR6.90%
Last UpdatedMarch 27, 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%
View
▼
APR6.90%
Last UpdatedMarch 27, 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%
View
▼
APR6.99%
Last UpdatedMarch 27, 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%
View
▼
APR7.00%
Last UpdatedMarch 27, 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%
View
▼
APR7.00%
Last UpdatedMarch 27, 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%
View
▼
APR7.25%
Last UpdatedMarch 27, 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%
View
▼
APR7.49%
Last UpdatedMarch 27, 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%
View
▼
APR7.50%
Last UpdatedMarch 27, 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%
View
▼
APR7.52%
Last UpdatedMarch 27, 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%
View
▼
APR7.75%
Last UpdatedMarch 27, 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%
View
▼
APR7.90%
Last UpdatedMarch 27, 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%
View
▼
APR7.99%
Last UpdatedMarch 27, 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%
View
▼
APR7.99%
Last UpdatedMarch 27, 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%
View
▼
APR7.99%
Last UpdatedMarch 27, 2026
Details

$500 - $50,000, 6 - 84 Months. Fixed Rate.

Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
Signature
8.00%
View
▼
APR8.00%
Last UpdatedMarch 27, 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%
View
▼
APR8.00%
Last UpdatedMarch 27, 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%
View
▼
APR8.00%
Last UpdatedMarch 27, 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%
View
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details

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%
View
▼
APR8.24%
Last UpdatedMarch 27, 2026
Details

$5,000 - $200,000. 10-acre maximum.

HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
8.24%
View
▼
APR8.24%
Last UpdatedMarch 27, 2026
Details

$20,000; 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
8.25%
View
▼
APR8.25%
Last UpdatedMarch 27, 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%
View
▼
APR8.25%
Last UpdatedMarch 27, 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%
View
▼
APR8.50%
Last UpdatedMarch 27, 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%
View
▼
APR8.50%
Last UpdatedMarch 27, 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%
View
▼
APR8.50%
Last UpdatedMarch 27, 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%
View
▼
APR8.65%
Last UpdatedMarch 27, 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%
View
▼
APR8.75%
Last UpdatedMarch 27, 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%
View
▼
APR8.99%
Last UpdatedMarch 27, 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%
View
▼
APR8.99%
Last UpdatedMarch 27, 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%
View
▼
APR9.00%
Last UpdatedMarch 27, 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%
View
▼
APR9.00%
Last UpdatedMarch 27, 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%
View
▼
APR9.00%
Last UpdatedMarch 27, 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%
View
▼
APR9.15%
Last UpdatedMarch 27, 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%
View
▼
APR9.25%
Last UpdatedMarch 27, 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%
View
▼
APR9.25%
Last UpdatedMarch 27, 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%
View
▼
APR9.38%
Last UpdatedMarch 27, 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
9.49%
View
▼
APR9.49%
Last UpdatedMarch 27, 2026
Details

As Low As; Non-Payroll Deduction

HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan (below
9.49%
View
▼
APR9.49%
Last UpdatedMarch 27, 2026
Details

$20,000; 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%
View
▼
APR9.50%
Last UpdatedMarch 27, 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%
View
▼
APR9.74%
Last UpdatedMarch 27, 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%
View
▼
APR9.75%
Last UpdatedMarch 27, 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%
View
▼
APR9.75%
Last UpdatedMarch 27, 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%
View
▼
APR9.85%
Last UpdatedMarch 27, 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%
View
▼
APR9.90%
Last UpdatedMarch 27, 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%
View
▼
APR9.90%
Last UpdatedMarch 27, 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%
View
▼
APR9.90%
Last UpdatedMarch 27, 2026
Details

As Low As

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%
View
▼
APR9.99%
Last UpdatedMarch 27, 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%
View
▼
APR9.99%
Last UpdatedMarch 27, 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 Credit Scores 780 & Higher
9.99%
View
▼
APR9.99%
Last UpdatedMarch 27, 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%
View
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details

$1500.00

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Floretta Pl, Raleigh, NC, 27676 9803
Signature
9.99%
View
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details

As Low As

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%
View
▼
APR9.99%
Last UpdatedMarch 27, 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%
View
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details

Fixed Rates only. Terms available up to 60 months.

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%
View
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details

As Low As; Maximum term for lowest rate is 60 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
10.00%
View
▼
APR10.00%
Last UpdatedMarch 27, 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%
View
▼
APR10.00%
Last UpdatedMarch 27, 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%
View
▼
APR10.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.24%
View
▼
APR10.24%
Last UpdatedMarch 27, 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%
View
▼
APR10.25%
Last UpdatedMarch 27, 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%
View
▼
APR10.25%
Last UpdatedMarch 27, 2026
Details

Score: A+ = 750+

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Personal (Lifestyle Loan)
10.25%
View
▼
APR10.25%
Last UpdatedMarch 27, 2026
Details

As Low As

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%
View
▼
APR10.50%
Last UpdatedMarch 27, 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%
View
▼
APR10.50%
Last UpdatedMarch 27, 2026
Details

$5,000.01-$15,000.00

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%
View
▼
APR10.50%
Last UpdatedMarch 27, 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 Term Note Loan
10.50%
View
▼
APR10.50%
Last UpdatedMarch 27, 2026
Details

$20,000 Maximum - Individual & Joint; 90 Day Maximum

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
10.50%
View
▼
APR10.50%
Last UpdatedMarch 27, 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%
View
▼
APR10.50%
Last UpdatedMarch 27, 2026
Details

Score: A+ = 750+

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%
View
▼
APR10.74%
Last UpdatedMarch 27, 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%
View
▼
APR10.74%
Last UpdatedMarch 27, 2026
Details

$10,000+; 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
10.75%
View
▼
APR10.75%
Last UpdatedMarch 27, 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%
View
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details

All rates are based on a term of 84 months

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%
View
▼
APR10.75%
Last UpdatedMarch 27, 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%
View
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details

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%
View
▼
APR10.75%
Last UpdatedMarch 27, 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 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%
View
▼
APR10.75%
Last UpdatedMarch 27, 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
10.90%
View
▼
APR10.90%
Last UpdatedMarch 27, 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%
View
▼
APR10.90%
Last UpdatedMarch 27, 2026
Details

$3000

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details

No additional details available.

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%
View
▼
APR10.99%
Last UpdatedMarch 27, 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%
View
▼
APR10.99%
Last UpdatedMarch 27, 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%
View
▼
APR11.00%
Last UpdatedMarch 27, 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%
View
▼
APR11.00%
Last UpdatedMarch 27, 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%
View
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details

Up to 60 Months

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%
View
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details

up to 48 months

Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
4180 Western Blvd, Jacksonville, NC, 28546 6740
Personal
11.15%
View
▼
APR11.15%
Last UpdatedMarch 27, 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%
View
▼
APR11.24%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Unsecured Loan
11.24%
View
▼
APR11.24%
Last UpdatedMarch 27, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Personal (Lifestyle Loan)
11.25%
View
▼
APR11.25%
Last UpdatedMarch 27, 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%
View
▼
APR11.40%
Last UpdatedMarch 27, 2026
Details

No additional details available.

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%
View
▼
APR11.50%
Last UpdatedMarch 27, 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
Open-End Signature loan
11.50%
View
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details

Regular APR: 11.50% - 14.50%

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
Personal Loan
11.50%
View
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details

Up to 72 Months

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC, 27530 3648
Personal Loan
11.50%
View
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details

Score: A+ = 750+

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Personal (Lifestyle Loan)
11.75%
View
▼
APR11.75%
Last UpdatedMarch 27, 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%
View
▼
APR11.75%
Last UpdatedMarch 27, 2026
Details

All rates are based on a term of 84 months

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Promotional Loan
12.00%
View
▼
APR12.00%
Last UpdatedMarch 27, 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
12.00%
View
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details

As Low As

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Seasonal Loans
12.00%
View
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC, 27106
Signature
12.00%
View
▼
APR12.00%
Last UpdatedMarch 27, 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%
View
▼
APR12.00%
Last UpdatedMarch 27, 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
12.00%
View
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details

Score: A = 680-749

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Signature Loan
12.24%
View
▼
APR12.24%
Last UpdatedMarch 27, 2026
Details

No additional details available.

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%
View
▼
APR12.24%
Last UpdatedMarch 27, 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%
2989 Tucker St, Burlington, NC, 27215
Unsecured Loan
12.24%
View
▼
APR12.24%
Last UpdatedMarch 27, 2026
Details

As Low As

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%
View
▼
APR12.25%
Last UpdatedMarch 27, 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%
View
▼
APR12.27%
Last UpdatedMarch 27, 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%
View
▼
APR12.49%
Last UpdatedMarch 27, 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%
View
▼
APR12.50%
Last UpdatedMarch 27, 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%
View
▼
APR12.50%
Last UpdatedMarch 27, 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%
View
▼
APR12.50%
Last UpdatedMarch 27, 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%
View
▼
APR12.50%
Last UpdatedMarch 27, 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%
View
▼
APR12.75%
Last UpdatedMarch 27, 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%
View
▼
APR12.99%
Last UpdatedMarch 27, 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%
View
▼
APR12.99%
Last UpdatedMarch 27, 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%
View
▼
APR13.00%
Last UpdatedMarch 27, 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%
View
▼
APR13.00%
Last UpdatedMarch 27, 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%
View
▼
APR13.50%
Last UpdatedMarch 27, 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%
View
▼
APR13.50%
Last UpdatedMarch 27, 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%
View
▼
APR13.74%
Last UpdatedMarch 27, 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%
View
▼
APR13.74%
Last UpdatedMarch 27, 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%
View
▼
APR14.00%
Last UpdatedMarch 27, 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%
View
▼
APR14.00%
Last UpdatedMarch 27, 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%
View
▼
APR14.00%
Last UpdatedMarch 27, 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%
View
▼
APR14.25%
Last UpdatedMarch 27, 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%
View
▼
APR14.40%
Last UpdatedMarch 27, 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%
View
▼
APR14.49%
Last UpdatedMarch 27, 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%
View
▼
APR14.49%
Last UpdatedMarch 27, 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
14.50%
View
▼
APR14.50%
Last UpdatedMarch 27, 2026
Details

Score: C = 600-639

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1060 Timber Dr E, Garner, NC, 27529 6913
Personal Loan
9.49%
View
▼
APR9.49%
Last UpdatedMarch 27, 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%
View
▼
APR6.99%
Last UpdatedMarch 27, 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%
View
▼
APR7.25%
Last UpdatedMarch 27, 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%
View
▼
APR7.49%
Last UpdatedMarch 27, 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%
View
▼
APR7.99%
Last UpdatedMarch 27, 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%
View
▼
APR8.00%
Last UpdatedMarch 27, 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%
View
▼
APR8.00%
Last UpdatedMarch 27, 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%
View
▼
APR8.24%
Last UpdatedMarch 27, 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%
View
▼
APR9.00%
Last UpdatedMarch 27, 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%
View
▼
APR9.38%
Last UpdatedMarch 27, 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%
View
▼
APR9.49%
Last UpdatedMarch 27, 2026
Details

$20,000; 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%
View
▼
APR9.74%
Last UpdatedMarch 27, 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%
View
▼
APR9.75%
Last UpdatedMarch 27, 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%
View
▼
APR9.90%
Last UpdatedMarch 27, 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%
View
▼
APR9.99%
Last UpdatedMarch 27, 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%
View
▼
APR9.99%
Last UpdatedMarch 27, 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%
View
▼
APR9.99%
Last UpdatedMarch 27, 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%
View
▼
APR9.99%
Last UpdatedMarch 27, 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%
View
▼
APR9.99%
Last UpdatedMarch 27, 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%
View
▼
APR10.00%
Last UpdatedMarch 27, 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%
View
▼
APR10.24%
Last UpdatedMarch 27, 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%
View
▼
APR10.25%
Last UpdatedMarch 27, 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%
View
▼
APR10.25%
Last UpdatedMarch 27, 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%
View
▼
APR10.50%
Last UpdatedMarch 27, 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%
View
▼
APR10.50%
Last UpdatedMarch 27, 2026
Details

Up to 48 Months

HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC, 27401
Personal Loan
10.74%
View
▼
APR10.74%
Last UpdatedMarch 27, 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%
View
▼
APR10.75%
Last UpdatedMarch 27, 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%
View
▼
APR10.75%
Last UpdatedMarch 27, 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%
View
▼
APR11.00%
Last UpdatedMarch 27, 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%
View
▼
APR11.00%
Last UpdatedMarch 27, 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%
View
▼
APR11.00%
Last UpdatedMarch 27, 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%
View
▼
APR11.24%
Last UpdatedMarch 27, 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%
View
▼
APR11.40%
Last UpdatedMarch 27, 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%
View
▼
APR11.50%
Last UpdatedMarch 27, 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%
View
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details

Up to 72 Months

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%
View
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details

Score: A = 680-749

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%
View
▼
APR12.00%
Last UpdatedMarch 27, 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%
View
▼
APR12.49%
Last UpdatedMarch 27, 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%
View
▼
APR12.50%
Last UpdatedMarch 27, 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%
View
▼
APR12.50%
Last UpdatedMarch 27, 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%
View
▼
APR12.75%
Last UpdatedMarch 27, 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%
View
▼
APR12.99%
Last UpdatedMarch 27, 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%
View
▼
APR12.99%
Last UpdatedMarch 27, 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%
View
▼
APR13.00%
Last UpdatedMarch 27, 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%
View
▼
APR13.50%
Last UpdatedMarch 27, 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%
View
▼
APR13.74%
Last UpdatedMarch 27, 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%
View
▼
APR13.74%
Last UpdatedMarch 27, 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%
View
▼
APR14.00%
Last UpdatedMarch 27, 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%
View
▼
APR14.00%
Last UpdatedMarch 27, 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
14.50%
View
▼
APR14.50%
Last UpdatedMarch 27, 2026
Details

Score: C = 600-639

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC, 27012
Debt180 Debt Consolidation Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 27, 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%
View
▼
APR8.99%
Last UpdatedMarch 27, 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%
View
▼
APR9.99%
Last UpdatedMarch 27, 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%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 27, 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 Loan
14.49%
View
▼
APR14.49%
Last UpdatedMarch 27, 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%
View
▼
APR14.49%
Last UpdatedMarch 27, 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%
View
▼
APR15.45%
Last UpdatedMarch 27, 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%
View
▼
APR16.99%
Last UpdatedMarch 27, 2026
Details

No additional details available.

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%
28 OXHOLM CIR, GARNER, NC, 27529
Open-End Signature Loan
11.50%
View
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details

No additional details available.

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
28 OXHOLM CIR, GARNER, NC, 27529
Signature Term Note
11.75%
View
▼
APR11.75%
Last UpdatedMarch 27, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
28 OXHOLM CIR, GARNER, NC, 27529
Open-End Signature Loan
14.50%
View
▼
APR14.50%
Last UpdatedMarch 27, 2026
Details

No additional details available.

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1060 Timber Dr E, Garner, NC, 27529 6913
Signature Premier Rewards
14.75%
View
▼
APR14.75%
Last UpdatedMarch 27, 2026
Details

Regular APR: 14.75% - 18.00%

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%
View
▼
APR6.75%
Last UpdatedMarch 27, 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%
View
▼
APR7.00%
Last UpdatedMarch 27, 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%
View
▼
APR7.50%
Last UpdatedMarch 27, 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%
View
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details

Unsecured

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Signature
9.90%
View
▼
APR9.90%
Last UpdatedMarch 27, 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%
View
▼
APR9.90%
Last UpdatedMarch 27, 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%
View
▼
APR9.99%
Last UpdatedMarch 27, 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%
View
▼
APR10.50%
Last UpdatedMarch 27, 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%
View
▼
APR10.75%
Last UpdatedMarch 27, 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%
View
▼
APR11.00%
Last UpdatedMarch 27, 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%
View
▼
APR11.50%
Last UpdatedMarch 27, 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%
View
▼
APR12.00%
Last UpdatedMarch 27, 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%
View
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details

As Low As

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Signature Loan
12.24%
View
▼
APR12.24%
Last UpdatedMarch 27, 2026
Details

No additional details available.

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%
View
▼
APR12.24%
Last UpdatedMarch 27, 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%
View
▼
APR12.25%
Last UpdatedMarch 27, 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%
View
▼
APR12.27%
Last UpdatedMarch 27, 2026
Details

As Low As

No home improvement personal loan rates found in Garner, NC currently.

Frequently Asked Questions

What credit score do I need for a personal loan in North Carolina?

Most lenders in Garner, 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 Garner, 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 Garner, 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 Garner, North Carolina?

Credit unions in Garner, 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 Garner, North Carolina?

  • COASTAL: 9.49% (Personal 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)
  • Allegacy Federal Credit Union: 5.75% (Share Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Garner, North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 27, 2026.

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