Best Personal Loan Rates in Salem, Oregon (OR) - 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 Salem, Oregon include: Unitus Community Credit UnionUnitus Community Credit Union3820 Market St NE, Salem, OR, 97301 1830A+5.0 ★Texas Ratio: 4.22% offering Immigration Loan at 6.07% APR, Central Willamette Credit UnionCentral Willamette Credit Union852 Lancaster Dr SE, Salem, OR, 97317A5.0 ★Texas Ratio: 6.01% offering Emergency Loan at 6.75% APR, Oregon State Credit UnionOregon State Credit Union510 Wallace Rd NW, Salem, OR, 97304 3856A+5.0 ★Texas Ratio: 3.04% offering Land Loan for Lot or Bare Land at 7.32% APR, Teamsters Council #37 Federal Credit UnionTeamsters Council #37 Federal Credit Union750 Browning Ave SE, Salem, OR, 97302 3806A+5.0 ★Texas Ratio: 0.55% offering Signature Loan at 9.99% APR, and OnPoint Community Credit UnionOnPoint Community Credit Union645 9th St NW Ste 185, Salem, OR, 97304A+5.0 ★Texas Ratio: 3.91% offering Personal loan at 11.00% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Salem has 6 local institutions in our database, with personal loan rates as low as 6.07% APR from Unitus Community Credit Union at 3820 Market St NE, Salem, OR, 97301 1830. 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 Salem, Oregon.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Salem, Oregon. 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
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APR Range: 6.50%-12.25%
APR Range: 6.50%-12.25%
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As Low As
As Low As; Rates are based on your credit history and credit qualifications. Minimum loan amount is $250. Maximum loan repayment period is 48 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
Rate is based on specific product type.
As Low As
Credit Score: 740+
No additional details available.
Credit Score: 739 - 700
fixed rate
Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
As Low As
fixed rate
As Low As; * APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Up to 60 Months
Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Credit Score: 699 - 660
61-72 months
Credit Score: 659 - 610
No additional details available.
Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
As Low As; * APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Credit Score: 609 - 560
Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Credit Score: 559 or below
Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
As Low As
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As Low As
Finance Up To $5,000
Fixed 120 Months
Fixed 120 Months
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Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
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As Low As
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Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
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As Low As; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.
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As Low As
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As Low As
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As Low As
Automatic payments are required for lowest rate.
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As Low As
Automatic payments are required for lowest rate.
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As Low As
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As Low As; APR = Annual Percentage Rate. **Monthly payments determined by loan amount, term, and APR. All loans, rates, and terms are subject to credit approval and creditworthiness, are subject to change at any time, and must meet Cutting Edge Federal Credit Union lending policies.
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As Low As
Personal Loan Special
As Low As; *Fixed rate, terms up to 60 months available depending on credit score and amount financed. Rate shown applies to Personal Unsecured, Autos, Boats and RVs 2016 or older model year vehicles or vehicles valued at under $10,000 and Cycle Products 2021 or older model year vehicles. OAC. APR = Annual Percentage Rate. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance, and your credit history. Secured and Unsecured Loans are available. Qualified borrowers can receive financing for personal loan needs including Dental, Vision, Cosmetics Procedures, Computers, Lawn Tractors, Older Autos, Snowmobiles, ATVs, Boats and RVs.
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As Low As;(Signature loan)
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As Low As
As Low As
Variable
As Low As
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APR = Annual Percentage Rate. $20 Quick Loan Application Fee and automatic savings deposit required. Borrowers may only have one Quick Loan at any time, and no more than three in a six-month rolling period. Terms and conditions apply.
No additional details available.
As Low As
As Low As; Rates are based on your credit history and credit qualifications. Minimum loan amount is $250. Maximum loan repayment period is 48 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
Credit Score: 740+
Credit Score: 739 - 700
fixed rate
Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
As Low As; * APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Up to 60 Months
Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Credit Score: 699 - 660
61-72 months
Credit Score: 659 - 610
As Low As; * APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Credit Score: 609 - 560
Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
Credit Score: 559 or below
Personal Line of Credit Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%.
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As Low As
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As Low As; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.
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As Low As
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As Low As
As Low As
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As Low As
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As Low As
Personal Loan Special
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As Low As;(Signature loan)
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As Low As
Variable
As Low As
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As Low As
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Automatic payments are required for lowest rate.
Automatic payments are required for lowest rate.
As Low As
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As Low As
Salem, OR Personal Loan Rate Trends
Compare local Salem, OR 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.
Oregon personal loan rates rose 1.588 points over the past 7 days to 12.435% APR.
Oregon signature loan rates currently average 12.701% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Oregon?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Oregon?
Are credit unions or banks better for personal loans in Salem, Oregon?
What are the best personal loan rates in Salem, Oregon?
- Unitus Community Credit Union: 6.07% (Immigration Loan)
- Central Willamette Credit Union: 6.75% (Emergency Loan)
- Oregon State Credit Union: 7.32% (Land Loan for Lot or Bare Land)
- Teamsters Council #37 Federal Credit Union: 9.99% (Signature Loan)
- OnPoint Community Credit Union: 11.00% (Personal loan)
Personal Loan Calculators
