Fulton, Ohio Best Personal Loan Rates - August 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 Fulton, Ohio include: Northwestern Federal Credit UnionNorthwestern Federal Credit UnionA+5.0 ★Texas Ratio: 0.70% offering Unsecured Signature Loan at 6.99% APR, Firestone Federal Credit UnionFirestone Federal Credit UnionA+5.0 ★Texas Ratio: 1.00% offering Signature 30 Loan at 6.99% APR, Kemba Financial Credit UnionKemba Financial Credit UnionA+5.0 ★Texas Ratio: 3.65% offering Personal Loan at 6.99% APR, AurGroup Credit UnionAurGroup Credit UnionA+5.0 ★Texas Ratio: 1.24% offering Unsecured Loan at 6.99% APR, and Materion Federal Credit UnionMaterion Federal Credit UnionA+5.0 ★Texas Ratio: 0.27% offering Personal Loan at 7.45% APR. Personal loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Fulton borrowers have access to 93 lenders serving the Ohio area, with personal loan rates as low as 6.99% APR from Northwestern Federal Credit Union. 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 Fulton, Ohio.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Fulton, 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: August 28, 2026
Fulton Personal Loan Rates
As low as; $8,500 Maximum
$5,000 limit
Interest Rate: 6.99% - 16.99%
From
Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months. Rates and terms are determined by your credit qualifications and term. Loan rates effective August 28, 2025 and are subject to change. All loans subject to credit approval.
As Low As
Personal Loan
Includes all available member loan discounts.
As low as
As Low As; *1
As Low As; $10,000 maximum
As Low As
Maximum loan amount of $10,000. Credit score of 630 and above required.
As Low As
As Low As
As Low As
As low as
Diamond Club*: 7.50%
As Low As
As Low As
Diamond Club*: 7.65%
As Low As
$20,000
$10,000 limit
No additional details available.
No additional details available.
Diamond Club*: 7.80%
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Rates subject to credit score.
As low as
As Low As
Our signature loan is a personal loan with a fixed rate and fixed term. It can be used for anything - from auto repairs to paying for a vacation. Borrow up to $25,000 Credit Life/Disability Insurance available Debt consolidation
As Low As; *
As low as
No additional details available.
No additional details available.
No additional details available.
Rates as low as:; Signature; APR includes $75.00 processing fee. Rates and terms are determined by your credit qualifications.
No additional details available.
No additional details available.
As Low As
Beacon Score: 725+; Maximum Amount: $1,500
As Low As; additional conditions apply; ask for details
No additional details available.
As Low As; 8.95%
As Low As
No additional details available.
As Low As
No additional details available.
Rates as low as1
Sample monthly payment for a loan of $5,000 for 24 months at 9.50% APR would be approximately $229.57. All rates and promotions subject to change without notice. Your actual rate and payment amount may be different as determined by your term, loan amount and credit qualifications.
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; *Rates are subject to change. Actual rate and term are based on each individual members credit worthiness and collateral being offered. Terms or conditions may apply. Please contact a credit union loan processor/officer for details. For more information contact the credit union at 419-407-4140.
As low as
No additional details available.
As low as
up to $10,000; As Low As; 9.49% APR
Based on borrowing $7,500 for 36 months, with a 710 or higher credit score. $40 processing fee.
up to $25,000,; As Low As; Personal Loans
As Low As
As Low As
Credit Score: 750+; Risk: Very Low; Credit Union Score: A+
As low as; Interest rates are determined by the credit profile of the borrowing member and the terms and conditions of the loan request. No interest rate is finalized until a valid Loan Application has been submitted. The above rates are valid as of the date listed above, and subject to change without notice.
As Low As
As low as
As low as
As Low As; 9.00%
A++ 750+
Credit Score: 730 +
Up to $10,000
Diamond Club*: 9.00%
No additional details available.
As Low As; Personal Lines of Credit
Beacon Score: 675 - 724; Maximum Amount: $1,000
over $1,000.00
No additional details available.
As Low As; 9.95%
Pay Off Those High Interest Credit Cards!
No additional details available.
As Low As
As Low As
As Low As
As Low As
As low as
As Low As
As low as; Rates effective as of 4/1/2025 Rates subject to change without notice.
As Low As
As Low As; Rates Effective as of 01/10/2026. Rates subject to change without notice.
No additional details available.
Diamond Club*: 9.50%
As Low As
Rates effective May 6th, 2026. 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.
No additional details available.
Diamond Club*: 9.65%
No additional details available.
As Low As;*
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As low as
As Low As; *
No additional details available.
No additional details available.
PLEASE NOTE...All rates shown are the lowest rates available. Additional rate information based on individual's credit history, age of vehicle, and underwriting factors may result in higher rate. ALL RATES, TERMS & CONDITIONS ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE.
As Low As
No additional details available.
As Low As
Up to $15,000; As low as; Rate based on Credit Performance
No additional details available.
No additional details available.
Minimum Of $500 Including Adding To Existing Loan; $50.00 Minimum Monthly Loan Payment.
As Low As
No additional details available.
No additional details available.
As Low As; 10.00%
As Low As
A+ 720-749
A++ 750+
Credit Score: 730 +
No additional details available.
No additional details available.
APR based on $10,000 loan and $250 fee (e.g. A five year $10,000 loan at 11.088% APR requires a monthly payment of $212.46)
Diamond Club*: 10.15%
As low as 11.24%
As low as
As low as
As Low As; 10.95%
Beacon Score: 625 - 674; Maximum Amount: $500
As Low As
No additional details available.
Diamond Club*: 10.25%
As Low As
ConnectMORE** Rates as Low as
As low as 10.75%
As Low As; Signature loan APR based on $10,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply.
As Low As
Rates as low as1
Starting @ 0.03151%
As Low As
Everyday Rates as Low as
No additional details available.
Fulton Personal Loan Rates
Interest Rate: 6.99% - 16.99%
Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months. Rates and terms are determined by your credit qualifications and term. Loan rates effective August 28, 2025 and are subject to change. All loans subject to credit approval.
As Low As
Personal Loan
Includes all available member loan discounts.
As low as
Diamond Club*: 7.50%
Diamond Club*: 7.65%
As Low As
No additional details available.
No additional details available.
Diamond Club*: 7.80%
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Rates subject to credit score.
As Low As
As low as
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
Sample monthly payment for a loan of $5,000 for 24 months at 9.50% APR would be approximately $229.57. All rates and promotions subject to change without notice. Your actual rate and payment amount may be different as determined by your term, loan amount and credit qualifications.
As low as; As low as
No additional details available.
As Low As; *Rates are subject to change. Actual rate and term are based on each individual members credit worthiness and collateral being offered. Terms or conditions may apply. Please contact a credit union loan processor/officer for details. For more information contact the credit union at 419-407-4140.
up to $10,000; As Low As; 9.49% APR
up to $25,000,; As Low As; Personal Loans
As low as
As Low As; 9.00%
Credit Score: 730 +
Diamond Club*: 9.00%
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
As low as
As Low As
Diamond Club*: 9.50%
As Low As
Rates effective May 6th, 2026. 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.
No additional details available.
Diamond Club*: 9.65%
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
PLEASE NOTE...All rates shown are the lowest rates available. Additional rate information based on individual's credit history, age of vehicle, and underwriting factors may result in higher rate. ALL RATES, TERMS & CONDITIONS ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE.
As Low As
No additional details available.
Up to $15,000; As low as; Rate based on Credit Performance
No additional details available.
No additional details available.
As Low As; 10.00%
As Low As
Credit Score: 730 +
No additional details available.
No additional details available.
Diamond Club*: 10.15%
As low as 11.24%
As Low As
Diamond Club*: 10.25%
ConnectMORE** Rates as Low as
As low as 10.75%
As Low As
Everyday Rates as Low as
No additional details available.
Fulton Debt Consolidation Loan Rates
Maximum loan amount of $10,000. Credit score of 630 and above required.
As low as
Pay Off Those High Interest Credit Cards!
As Low As
Fulton Signature Loan Rates
As low as; $8,500 Maximum
$5,000 limit
As low as
As Low As; *1
As Low As; $10,000 maximum
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
$20,000
As low as
As Low As
Our signature loan is a personal loan with a fixed rate and fixed term. It can be used for anything - from auto repairs to paying for a vacation. Borrow up to $25,000 Credit Life/Disability Insurance available Debt consolidation
As Low As; *
Rates as low as:; Signature; APR includes $75.00 processing fee. Rates and terms are determined by your credit qualifications.
No additional details available.
As Low As
Beacon Score: 725+; Maximum Amount: $1,500
As Low As; additional conditions apply; ask for details
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
Unsecured Loan, funds can be used for anything
No additional details available.
As low as
As Low As
As Low As
Credit Score: 750+; Risk: Very Low; Credit Union Score: A+
As Low As
A++ 750+
Credit Score: 730 +
Beacon Score: 675 - 724; Maximum Amount: $1,000
As low as; Rates effective as of 4/1/2025 Rates subject to change without notice.
As Low As; Rates Effective as of 01/10/2026. Rates subject to change without notice.
No additional details available.
As Low As;*
No additional details available.
No additional details available.
As low as
As Low As; *
As Low As
No additional details available.
No additional details available.
Minimum Of $500 Including Adding To Existing Loan; $50.00 Minimum Monthly Loan Payment.
A+ 720-749
A++ 750+
Credit Score: 730 +
APR based on $10,000 loan and $250 fee (e.g. A five year $10,000 loan at 11.088% APR requires a monthly payment of $212.46)
Beacon Score: 625 - 674; Maximum Amount: $500
No additional details available.
As Low As
As Low As; Signature loan APR based on $10,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply.
Starting @ 0.03151%
Fulton, OH Personal Loan Rate Trends
Compare local Fulton, 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 rose 0.364 points over the past 7 days to 10.890% APR.
Ohio signature loan rates rose 0.195 points over the past 7 days to 11.595% APR.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current OH average personal loan APR of 10.89%, across the terms lenders serving Fulton, Ohio most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.78/mo | $163.43/mo | $128.96/mo | $108.44/mo |
| $10,000 | $465.57/mo | $326.87/mo | $257.92/mo | $216.88/mo |
| $15,000 | $698.35/mo | $490.30/mo | $386.88/mo | $325.32/mo |
| $25,000 | $1,163.92/mo | $817.17/mo | $644.81/mo | $542.20/mo |
| $35,000 | $1,629.49/mo | $1,144.04/mo | $902.73/mo | $759.07/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Fulton, Ohio
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the OH personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan — OH average | 10.89% | $386.88 | $3,570 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,580 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,114 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,706 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average — check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
About Our Fulton, Ohio Personal Loan Rate Database
Our Fulton, Ohio tables currently track 93 banks and credit unions offering personal, debt consolidation, and signature loans to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so what you compare here is what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified personal loan APR in our Fulton, Ohio database right now is 6.99% APR from Northwestern Federal Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.
How to Get the Best Personal Loan Rate in Fulton, Ohio
Prequalify With a Soft Credit Check
Most lenders serving Fulton, Ohio will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying — the advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Ohio data, and many charge no origination fee. Membership is usually easier than expected — many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle → a secured Fulton, Ohio auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity → compare home equity rates, though your home becomes collateral
- Not urgent → building the money in a Fulton, Ohio high-yield savings account costs nothing and earns interest instead of paying it
Ohio Financial Snapshot
Local demographics and economic context for borrowers — Source: U.S. Census Bureau (state-level data shown — city data not available)
A $387 monthly loan payment is roughly 10.6% of the median individual income in Ohio. Lenders generally want your total monthly debt payments — including housing — to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Fulton, Ohio.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid — fixed | ✗ Highest — variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks — appraisal and closing |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt — missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current OH average — or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds — you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Fulton, Ohio personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Fulton, Ohio directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Fulton, Ohio. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in OH.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
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 Fulton, Ohio?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Fulton, Ohio?
- Northwestern Federal Credit Union: 6.99% (Unsecured Signature Loan)
- Firestone Federal Credit Union: 6.99% (Signature 30 Loan)
- Kemba Financial Credit Union: 6.99% (Personal Loan)
- AurGroup Credit Union: 6.99% (Unsecured Loan)
- Materion Federal Credit Union: 7.45% (Personal Loan)
Personal Loan Calculators
