Best Personal Loan Rates in Cincinnati, Ohio (OH) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Cincinnati, Ohio include: TruPartner Credit UnionTruPartner Credit Union1800 Vine St, Cincinnati, OH, 45202A5.0 ★Texas Ratio: 7.65% offering Personal Loan at 5.13% APR, Cincinnati Interagency Federal Credit UnionCincinnati Interagency Federal Credit Union26 Martin Luther King Dr W, Cincinnati, OH, 45220 2242A+5.0 ★Texas Ratio: 1.34% offering Medical Loan (Unsecured) at 7.49% APR, Greater Cincinnati School Credit UnionGreater Cincinnati School Credit Union7221 Montgomery Rd, Cincinnati, OH, 45236A+5.0 ★Texas Ratio: 3.80% offering Personal Loan at 7.50% APR, Sharefax Credit UnionSharefax Credit Union10590 READING RD, CINCINNATI, OH, 45241A+5.0 ★Texas Ratio: 4.21% offering Signature Loan at 8.75% APR, and General Electric Credit UnionGeneral Electric Credit Union10485 Reading Rd, Cincinnati, OH, 45241 2523A5.0 ★Texas Ratio: 7.74% offering Signature Loans at 9.75% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Cincinnati has 10 local institutions in our database, with personal loan rates as low as 5.13% APR from TruPartner Credit Union at 1800 Vine St, Cincinnati, OH, 45202. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Cincinnati, Ohio.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cincinnati, Ohio. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 12, 2026
As Low As; 513 Day Promotion
As Low As
$1000 minimum -Proof of expenses required, may be used for pet care and funeral expenses as well
As Low As
For general purpose loans of $1000 and greater
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
For general purpose loans of $1000 and greater
As Low As
*2 -For general purpose loans of $1000 and greater
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
over $1,000.00
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
No additional details available.
No additional details available.
No additional details available.
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
As Low As
No additional details available.
No additional details available.
$500.00 - $1,000.00
No additional details available.
No additional details available.
No additional details available.
No additional details available.
$10,000
$50,000
$10,000
$50,000
$10,000
No additional details available.
$10,000
As Low As
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As Low As; 2.00% over CD
As Low As; All rates above are subject to change and are for scores 720 or better.
As Low As
As Low As; With rates as low as 5.99% APR, you can finance the getaway you've been dreaming about and pay it back with affordable monthly payments. Apply today!
No additional details available.
As Low As
Up to 75 % approved stocks
As Low As; Up to 84 months
No additional details available.
As Low As; Up to 84 months
As Low As
Maximum $2000
As Low As
As Low As:
As Low As
Up to 30 Months $5,000 limit
As Low As
As Low As
As Low As
No additional details available.
As Low As; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months.
As Low As
As Low As
As Low As
No additional details available.
As Low As
$8,000-$14,999; Based on a 5-year fixed rate loan of $10,000 and a credit score of 700
As Low As; $10,000 maximum
No additional details available.
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As Low As
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As Low As
As Low As
As Low As; up to 84 months
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
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As Low As; up to $35,000
second mortgage only
As Low As; Up to 60 months and $20,000
Up to 40 Months $10,000 limit
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As Low As
As Low As; *
As Low As
As Low As
As Low As; Borrow up to $25,000; Terms up to 60 months; Credit Life/Disability Insurance available; Debt consolidation
As low as
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
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Up to $15,000
As Low As; $1,000 - $15,000 / Up to 84 months
As Low As
As Low As
As Low As
No additional details available.
Unsecured Loan, funds can be used for anything
No additional details available.
As Low As
No additional details available.
Up to $2,500
up to $10,000; As Low As; Up to 36 Months
up to $25,000,; As Low As
As Low As; 36 months, 2 year draw
As Low As; up to 36 months
As Low As
As Low As
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As Low As; $1,000-$2,499 / up to 24 months
$7,500; As Low As; up to 60 Months
As Low As; 12 months to pay, and NO loan fees!
As Low As
As Low As
Based upon credit rating
As Low As; Up to $10,000
A++ Credit Score (750+); Up to $3,000
Credit Score: 730 +
No additional details available.
As Low As
As Low As
As Low As; All rates above are subject to change and are for scores 720 or better.
Rates shown are for scores 720 or higher - $75 Loan Processing Fee. Rates are subject to change at any time. All loan interest rate questions should be referred to the Loan Department
As Low As; Pay Off Those High Interest Credit Cards!
As Low As; Quick and convenient financing with trusted financial partners.; Your loan is local, meaning your money stays right here in our central Ohio communities.
No additional details available.
As Low As
As Low As
As Low As; Great Rates! Flexible Terms! Available 24/7!
As Low As
As Low As
As Low As
As Low As; A $150 doc prep fee applies. Rates are subject to change without notice. All rates and terms subject to credit approval. Additional discounts may be available. APR = Annual Percentage Rate. Example: A $10,000 personal loan would have a payment of $325.09 for 36 months with disclosed APR.
Rates shown are for scores 720 or higher - $75 Loan Processing Fee. Rates are subject to change at any time. All loan interest rate questions should be referred to the Loan Department
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
$2,501 to $5,000
As Low As
Rates shown are for scores 720 or higher - $75 Loan Processing Fee. Rates are subject to change at any time. All loan interest rate questions should be referred to the Loan Department
No additional details available.
As Low As; up to 60 months
As Low As
As Low As
As Low As; 513 Day Promotion
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
As Low As
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
As Low As
No additional details available.
As Low As; All rates above are subject to change and are for scores 720 or better.
As Low As
As Low As; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months.
As Low As
As Low As
As Low As
As Low As; up to $35,000
As low as
No additional details available.
As Low As
As Low As; $1,000 - $15,000 / Up to 84 months
No additional details available.
No additional details available.
As Low As
up to $10,000; As Low As; Up to 36 Months
up to $25,000,; As Low As
As Low As
As Low As; $1,000-$2,499 / up to 24 months
$7,500; As Low As; up to 60 Months
As Low As
Based upon credit rating
No additional details available.
As Low As; All rates above are subject to change and are for scores 720 or better.
Rates shown are for scores 720 or higher - $75 Loan Processing Fee. Rates are subject to change at any time. All loan interest rate questions should be referred to the Loan Department
As Low As; Quick and convenient financing with trusted financial partners.; Your loan is local, meaning your money stays right here in our central Ohio communities.
No additional details available.
As Low As
As Low As
As Low As; A $150 doc prep fee applies. Rates are subject to change without notice. All rates and terms subject to credit approval. Additional discounts may be available. APR = Annual Percentage Rate. Example: A $10,000 personal loan would have a payment of $325.09 for 36 months with disclosed APR.
Rates shown are for scores 720 or higher - $75 Loan Processing Fee. Rates are subject to change at any time. All loan interest rate questions should be referred to the Loan Department
No additional details available.
No additional details available.
As Low As
As Low As
Rates shown are for scores 720 or higher - $75 Loan Processing Fee. Rates are subject to change at any time. All loan interest rate questions should be referred to the Loan Department
No additional details available.
As Low As
As Low As; Pay Off Those High Interest Credit Cards!
As Low As
For general purpose loans of $1000 and greater
As Low As
For general purpose loans of $1000 and greater
As Low As
*2 -For general purpose loans of $1000 and greater
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
Up to 30 Months $5,000 limit
As Low As:
As Low As
As Low As
As Low As; $10,000 maximum
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; up to $35,000
As Low As; Up to 60 months and $20,000
As Low As
As Low As; Borrow up to $25,000; Terms up to 60 months; Credit Life/Disability Insurance available; Debt consolidation
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Up to $15,000
As Low As
Unsecured Loan, funds can be used for anything
No additional details available.
Up to $2,500
As Low As; up to 36 months
As Low As
As Low As
Credit Score: 730 +
A++ Credit Score (750+); Up to $3,000
Based upon credit rating
As Low As; Great Rates! Flexible Terms! Available 24/7!
As Low As
As Low As
As Low As
As Low As
$2,501 to $5,000
As Low As
As Low As
Cincinnati, OH Personal Loan Rate Trends
Compare local Cincinnati, OH personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Ohio personal loan rates fell 0.203 points over the past 7 days to 10.740% APR.
Ohio signature loan rates fell 0.082 points over the past 7 days to 11.053% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Ohio?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Ohio?
Are credit unions or banks better for personal loans in Cincinnati, Ohio?
What are the best personal loan rates in Cincinnati, Ohio?
- TruPartner Credit Union: 5.13% (Personal Loan)
- Cincinnati Interagency Federal Credit Union: 7.49% (Medical Loan (Unsecured))
- Greater Cincinnati School Credit Union: 7.50% (Personal Loan)
- Sharefax Credit Union: 8.75% (Signature Loan)
- General Electric Credit Union: 9.75% (Signature Loans)
Personal Loan Calculators
