Best Personal Loan Rates in Toledo, Ohio - July 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 Toledo, Ohio include: University of Toledo Federal Credit UnionUniversity of Toledo Federal Credit Union5248 Hill Ave, Toledo, OH, 43615 5868A5.0 ★Texas Ratio: 7.66% offering 2016-2018 Loan at 4.99% APR, Sun Federal Credit UnionSun Federal Credit Union4760 Monroe St, Toledo, OH, 43623 4348A5.0 ★Texas Ratio: 8.76% offering New (<10K miles) 1-75 month term Loan at 5.24% APR, Toledo Urban Federal Credit UnionToledo Urban Federal Credit Union1441 Dorr St, Toledo, OH, 43607 3956B4.6 ★Texas Ratio: 17.96% offering New Loan at 6.50% APR, Security Credit UnionSecurity Credit Union1001 S Reynolds Rd, Toledo, OH, 43615A-5.0 ★Texas Ratio: 14.23% offering Power Sports Loan at 7.24% APR, and Toledo Fire Fighters Federal Credit UnionToledo Fire Fighters Federal Credit Union2800 W Laskey Rd, Toledo, OH, 43613 3248A+5.0 ★Texas Ratio: 1.19% offering Signature Loan at 9.15% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Toledo has 7 local institutions in our database, with personal loan rates as low as 4.99% APR from University of Toledo Federal Credit Union at 5248 Hill Ave, Toledo, OH, 43615 5868. 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 Toledo, Ohio.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Toledo, 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: June 29, 2026
Toledo Personal Loan Rates
APR*
APR*
APR*
APR*
APR*
As Low As; Bright Auto Loans
As Low As; Bright Auto Loans
$30; As Low As; Bright Auto Loans
As Low As; Used (2021-2026)
As Low As; Used (2020 & Older)
$30; As Low As; Bright Auto Loans
As Low As
$30; As Low As; Used (2021-2026)
As Low As
As Low As; Used (2020 & Older)
No additional details available.
No additional details available.
As Low As
Includes dirt bikes, motorcycles (under 500cc), personal watercrafts, ATVs and snowmobiles. Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history. Rate may also vary based on age of collateral and term of loan.
No additional details available.
As Low As; *
As Low As; *
* Indicates rate as low as based on credit score. Annual Percentage Rate includes $75.00 processing fee. Rates and terms are determined by your credit qualifications.
Rates as low as1
No additional details available.
As Low As
As Low As
Rates as low as1
As Low As
**Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history. Rate may also vary based on age of collateral and term of loan.
No additional details available.
**Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Beacon Score: 725+; Beacon Score: 675 - 724; Beacon Score: 625 - 674
No additional details available.
Beacon Score: 725+
Beacon Score: 725+
As Low As
As low as
Adjustment to Index: Prime - 1.0%
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As; APR*
As Low As; 4.74%
As Low As
As Low As; upon approved credit
As Low As; Rates starting at
As Low As; Rates as of April 1, 2026
As Low As
As Low As
As Low As
As Low As
Beacon Score: 725+
Beacon Score: 675 - 724
Beacon Score: 675 - 724
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
Beacon Score: 725+
As Low As; 63 Month Rate: 5.50%
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
UP TO 85% LTV
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
$1000 minimum; Proof of expenses required, may be used for pet care and funeral expenses as well
No additional details available.
No additional details available.
Adjustment to Index: Prime - 0.5%
As Low As
UP TO 85% LTV
As Low As
As Low As
As Low As
Beacon Score: 625 - 674
Up to 75 % approved stocks
Beacon Score: 675 - 724
Beacon Score: 625 - 674
As Low As; APR
Skid Loaders, Utility Trailers, Stock Trailers, etc
As Low As
Skid Loaders, Utility Trailers, Stock Trailers, etc
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As low as; Auto loan rate applies to model years 2019 and newer with a maximum term of 66 months.
As Low As
As Low As
Home Equity Line of Credit
As Low As
No additional details available.
Beacon Score: 675 - 724
Maximum $2000; Rate: Variable Prime
Adjustment to Index: Prime
As Low As
No additional details available.
i.e., Farm Equipment, trailer, lawn tractors, skid steers, bobcats; As Low As; *
As low as; ($8,500 Maximum)
As Low As; APR
As Low As
As Low As; Defer your first payment for 90 days. Actual rates may vary based on creditworthiness, and method of payment. Finance charges are calculated using the daily balance method. Interest will accrue during deferral period and will increase the total amount to repay the loan. Minimum loan amount is $500. $50 pre-payment penalty may apply. KEMBA membership required.
As Low As
$5,000 limit
under $10,000
No additional details available.
As Low As
As Low As; APR
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
For general purpose loans of $1000 and greater
No additional details available.
No additional details available.
As Low As; APR
As Low As; Rates as of April 1, 2026
As Low As; *2
No additional details available.
As Low As; APR
under $10,000
Variable Rate. 1.5% of amount borrowed per month. Cannot exceed 80% of loan to value $100,000 maximum - 1st lien pledged only. $50,000 maximum- 2nd lien pledged
As Low As
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 September 5, 2025 and are subject to change. All loans subject to credit approval.
As Low As; 7.49% APR
As Low As; 7.49% APR
As Low As; 7.49% APR
No additional details available.
Beacon Score: 625 - 674
As Low As; APR
under $10,000
For general purpose loans of $1000 and greater
As Low As; 7.74% APR
under $10,000
Utility Trailers, Garden Tractors, <50 HP motor
As low as
Beacon Score: 625 - 674
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; $4,000 for up to 12 months
Toledo Personal Loan Rates
As Low As
As Low As
As Low As
**Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history. Rate may also vary based on age of collateral and term of loan.
As Low As
As Low As; Defer your first payment for 90 days. Actual rates may vary based on creditworthiness, and method of payment. Finance charges are calculated using the daily balance method. Interest will accrue during deferral period and will increase the total amount to repay the loan. Minimum loan amount is $500. $50 pre-payment penalty may apply. KEMBA membership required.
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 September 5, 2025 and are subject to change. All loans subject to credit approval.
No additional details available.
Toledo Debt Consolidation Loan Rates
For a limited time, take 1.50% off personal loan rates. Offer available through July 31, 2026.
Toledo Signature Loan Rates
As Low As; *
* Indicates rate as low as based on credit score. Annual Percentage Rate includes $75.00 processing fee. Rates and terms are determined by your credit qualifications.
No additional details available.
As Low As
As low as; Auto loan rate applies to model years 2019 and newer with a maximum term of 66 months.
$5,000 limit
As low as; ($8,500 Maximum)
For general purpose loans of $1000 and greater
For general purpose loans of $1000 and greater
As low as
Toledo, OH Personal Loan Rate Trends
Compare local Toledo, 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 0.107 points over the past 7 days to 11.162% APR.
Ohio signature loan rates fell 0.269 points over the past 7 days to 11.089% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Toledo, 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 Toledo, 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 Toledo, 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 Toledo, Ohio?
What are the best personal loan rates in Toledo, Ohio?
- University of Toledo Federal Credit Union: 4.99% (2016-2018 Loan)
- Sun Federal Credit Union: 5.24% (New (<10K miles) 1-75 month term Loan)
- Toledo Urban Federal Credit Union: 6.50% (New Loan)
- Security Credit Union: 7.24% (Power Sports Loan)
- Toledo Fire Fighters Federal Credit Union: 9.15% (Signature Loan)
Personal Loan Calculators
