Best Personal Loan Rates in Springfield, Ohio (OH) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Springfield, Ohio include: ih Credit Unionih Credit Union5000 Urbana Rd, Springfield, OH, 45502 9069A5.0 ★Texas Ratio: 6.59% offering Unsecured Loans at 10.49% APR, MyUSA Credit UnionMyUSA Credit Union1620 Upper Valley Pike, Springfield, OH, 45504A+5.0 ★Texas Ratio: 5.93% offering Lifestyle Loan (Personal Loan) at 10.50% APR, Bridge Credit UnionBridge Credit Union420 York St Ste B, Springfield, OH, 45505 2143A+5.0 ★Texas Ratio: 2.02% offering Personal Loan at 11.36% APR, Holy Family Parma Federal Credit UnionHoly Family Parma Federal Credit UnionA+5.0 ★Texas Ratio: 2.42% offering All Loans at 4.00% APR, and USXUSXA+5.0 ★Texas Ratio: 5.49% offering Second Lien Position Loans to $49,999 at 4.00% APR. Personal loan rates as of May 4, 2026 according to verified data from MonitorBankRates.
Springfield has 3 local institutions in our database, with personal loan rates as low as 10.49% APR from ih Credit Union at 5000 Urbana Rd, Springfield, OH, 45502 9069. 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 Springfield, Ohio.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Springfield, 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 4, 2026
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No additional details available.
$10,000
$50,000
$10,000
$50,000
$10,000
No additional details available.
$10,000
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$50,000
Rates starting at 5.25% Annual Percentage Rate
As Low As; 2.00% over CD
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$10,000
$50,000
$10,000
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Up to 75 % approved stocks
As Low As; Up to 84 months
As Low As; Up to 84 months
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Maximum $2000
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$5,000 limit
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As Low As; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months.
No additional details available.
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As Low As; Up to 60 Months
$8,000-$14,999; Based on a 5-year fixed rate loan of $10,000 and a credit score of 700
$10,000; As Low As
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As Low As; Working on a project? Need to make a purchase? We can help!
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No additional details available.
No additional details available.
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As Low As; up to 84 months
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No additional details available.
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Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
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Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
as low as
As Low As; Up to 60 months and $20,000
$10,000 limit
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
As Low As; APR - 9.392%
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No additional details available.
As Low As; Contact us for details.
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As Low As; Credit Life/Disability Insurance available; Debt consolidation
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No additional details available.
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up to $10,000; As Low As; 9.85%apr*
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No additional details available.
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up to $25,000,; As Low As
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As Low As; 36 months, 2 year draw
As Low As; up to 36 months
As Low As; APR - 10.311%
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$7,500; As Low As
As Low As; $1,000-$2,499 / up to 24 months
$1,000-$2,499; As Low As
No additional details available.
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As Low As
Credit Score: 730 +
A++ Credit Score (750+); Up to $3,000
Based upon credit rating
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
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No additional details available.
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No additional details available.
over $1,000.00
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.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; Great Rates! Flexible Terms! Available 24/7!
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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.
No additional details available.
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As Low As; Rates effective July 1st, 2024. 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 $257.38 for 48 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.
As Low As; up to 60 months
No additional details available.
As Low As; APR - 11.244%
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No additional details available.
No additional details available.
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Up to $15,000; As low as; Rate based on Credit Performance
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No additional details available.
($6,000.00 maximum)
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Credit Score: 680 - 729 +
Credit Score: 730 +
A+ Credit Score (720-749); Up to $3,000
No Collateral
No additional details available.
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
As Low As
As Low As
As Low As
As Low As; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months.
As Low As; Working on a project? Need to make a purchase? We can help!
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
as low as
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.
up to $10,000; As Low As; 9.85%apr*
No additional details available.
No additional details available.
up to $25,000,; As Low As
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As Low As; $1,000-$2,499 / up to 24 months
Based upon credit rating
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.
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.
No additional details available.
No additional details available.
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.
No additional details available.
As Low As
As Low As; Rates effective July 1st, 2024. 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 $257.38 for 48 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.
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Up to $15,000; As low as; Rate based on Credit Performance
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No additional details available.
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No additional details available.
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
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$1,000-$2,499; As Low As
$7,500; As Low As
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$5,000 limit
As Low As; Up to 60 Months
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$10,000; As Low As
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No additional details available.
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As Low As; Up to 60 months and $20,000
No additional details available.
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As Low As; Credit Life/Disability Insurance available; Debt consolidation
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No additional details available.
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No additional details available.
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As Low As; up to 36 months
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As Low As
No additional details available.
Credit Score: 730 +
A++ Credit Score (750+); Up to $3,000
Based upon credit rating
As Low As
No additional details available.
As Low As
As Low As; Great Rates! Flexible Terms! Available 24/7!
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No additional details available.
No additional details available.
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($6,000.00 maximum)
Credit Score: 680 - 729 +
Credit Score: 730 +
A+ Credit Score (720-749); Up to $3,000
Springfield, OH Personal Loan Rate Trends
Compare local Springfield, 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 0.078 points over the past 7 days to 11.064% APR.
Ohio signature loan rates rose 0.197 points over the past 7 days to 11.177% 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 Springfield, Ohio?
What are the best personal loan rates in Springfield, Ohio?
- ih Credit Union: 10.49% (Unsecured Loans)
- MyUSA Credit Union: 10.50% (Lifestyle Loan (Personal Loan))
- Bridge Credit Union: 11.36% (Personal Loan)
- Holy Family Parma Federal Credit Union: 4.00% (All Loans)
- USX: 4.00% (Second Lien Position Loans to $49,999)
Personal Loan Calculators
