Best Personal Loan Rates in Erie, Pennsylvania - July 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 Erie, Pennsylvania include: Tendto Credit UnionTendto Credit Union1129 State St, Erie, PA, 16501 1911A+5.0 ★Texas Ratio: 3.74% offering New 2026 Loan at 4.49% APR, Erie Police Federal Credit UnionErie Police Federal Credit Union300 State St Ste 303, Erie, PA, 16507A+5.0 ★Texas Ratio: 0.00% offering Summer Loan Special at 4.50% APR, Saint Vincent Erie Federal Credit UnionSaint Vincent Erie Federal Credit Union2314 Sassafras St Ste 100, Erie, PA, 16502A+5.0 ★Texas Ratio: 1.69% offering k - 12 Grades only Loan at 4.99% APR, I B E W LOCAL 56I B E W LOCAL 56962 W 20TH ST, Erie, PA, 16502 2401A+5.0 ★Texas Ratio: 7.79% offering Loan Special at 4.99% APR, and Widget Financial Credit UnionWidget Financial Credit Union2154 E Lake Rd, Erie, PA, 16511 1140A+5.0 ★Texas Ratio: 2.40% offering 24 Months Loan at 6.14% APR. Personal loan rates as of July 24, 2026 according to verified data from MonitorBankRates.
Erie has 5 local institutions in our database, with personal loan rates as low as 4.49% APR from Tendto Credit Union at 1129 State St, Erie, PA, 16501 1911. 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 Erie, Pennsylvania.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Erie, Pennsylvania. 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: July 24, 2026
Erie Personal Loan Rates
No additional details available.
All auto loans 2021 or newer. $177.60 Cash Back: A $177.60 bonus deposited directly into your savings account when you close on any auto loan with us during the months of July and August. Must be a member in good standing. Excludes loans already financed by EPFCU. Subject to credit approval. Rate based on creditworthiness, term, and age of vehicle. Interest rate floor at 4.00%. Other terms and conditions apply.
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As Low As; New 2025 - 2026
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As Low As; New 2025 - 2026
No additional details available.
No additional details available.
NO Post-secondary educational institutions allowed. Checks made payable to school.
Borrow $500-$2,500 at a rate as low as 4.99%APR*
As Low As; New 2025 - 2026
No additional details available.
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As Low As; New 2025 - 2026
No additional details available.
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As Low As; New 2025 - 2026
As Low As; Used 2020 - 2024
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As Low As; Used 2020 - 2024
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As Low As; Used 2020 - 2024
Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above.
Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above.
Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above.
No additional details available.
As Low As; Used 2020 - 2024
Minimum loan amount is $7,500 for a 60 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above.
Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above.
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Minimum loan amount is $10,000 for a 72 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above.
As Low As
No additional details available.
Minimum loan amount is $12,000 for a 75 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above.
Minimum loan amount is $15,000 for a 78 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above.
As Low As
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As Low As; Used 2017 - 2019
As Low As
No additional details available.
Minimum loan amount is $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above.
As Low As; Used 2017 - 2019
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As Low As; Used 2017 - 2019
As Low As
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
No additional details available.
As Low As; Used 2017 - 2019
As Low As
No additional details available.
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
No additional details available.
As Low As
As Low As
APR AS LOW AS
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APR AS LOW AS
No additional details available.
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
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APR AS LOW AS
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No additional details available.
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
As Low As
APR AS LOW AS
No additional details available.
APR AS LOW AS
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As Low As
No additional details available.
APR AS LOW AS
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
APR AS LOW AS
Rate based on creditworthiness.
APR AS LOW AS
APR AS LOW AS
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APR AS LOW AS
APR AS LOW AS
As Low As
As Low As
$10,000
No additional details available.
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$10,000
Up to $50,000
No additional details available.
Fair Isaac Risk Score: 750+ w/ 100% Financing
$10,000
Model Year: New-2026, LTV: 100%
No additional details available.
Fair Isaac Risk Score: 720+ w/ 90% Financing
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Adjustment to Index: Prime - 1.0%
Model Year: New-2026, LTV: 100%
As low as Balance Transfers APR*
Fair Isaac Risk Score: 750+ w/ 100% Financing
No additional details available.
No additional details available.
As low as; (based on credit score)
No additional details available.
Model Year: Used 2023-2025, LTV: 90%
If you refinanced your auto loan that is financed somewhere else. Note: $108.00 PA Department of Motor Vehicles titling fee applies this loan.
No additional details available.
5% on Purchases (up to $15 monthly)
Borrow up to $2,500.00
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Model Year: New-2026, LTV: 100%
As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
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Model Year: New-2026, LTV: 100%
Model Year: Used 2023-2025, LTV: 90%
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Model Year: Used 2023-2025, LTV: 90%
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As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
Model Year: New-2026, LTV: 100%
No additional details available.
As Low As
As Low As; New (<10K miles)
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As Low As
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As Low As; Maximum Loan $5,000
As Low As
As Low As
As Low As; Loan-to-Value up to 80%
Model Year: Used 2021-2022, LTV: 90%
As Low As*; Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.
As Low As; Used (2021-2026)
Adjustment to Index: Prime - 1.0%
No additional details available.
No additional details available.
No additional details available.
Model Year: New-2026, LTV: 100%
As Low As
As Low As
As Low As; 0% origination
As Low As; Loan-to-Value up to 80%
As Low As
Model Year: Used 2023-2025, LTV: 90%
Maximum loan amount $7,000; No pledge required; Payments will be made directly to the contractor; Must provide contract/bill of sale.*
As Low As; Your rate will be determined by your credit score at the time of application. Available 5/1/2026-9/1/2026.
Fair Isaac Risk Score: 750+ w/ 100% Financing
Fair Isaac Risk Score: 720+ w/ 90% Financing
New 2026
No additional details available.
As Low As; $2,000 maximum. New loan only - no refinance
As Low As; New (<10K miles)
As Low As
As Low As; Signature up to $2,500.00
As Low As
As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
As Low As
$30; As Low As
80% CLTV
As Low As
As Low As
No additional details available.
As Low As
Model Year: Used 2019-2020, LTV: 90%
No additional details available.
Model Year: New-2026, LTV: 100%
As Low As
As Low As
As Low As
As Low As
As Low As; Loan-to-Value greater than 80% to 90%
As Low As
Rate Lock: 120 days
Maximum $49,999.99 Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
Erie Personal Loan Rates
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As Low As
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As Low As*; Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.
Erie Debt Consolidation Loan Rates
As Low As
No additional details available.
Erie Signature Loan Rates
As Low As; Signature up to $2,500.00
Maximum $49,999.99 Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
Erie, PA Personal Loan Rate Trends
Compare local Erie, PA 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.
Pennsylvania personal loan rates rose 0.016 points over the past 7 days to 10.725% APR.
Pennsylvania signature loan rates rose 0.171 points over the past 7 days to 10.773% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Erie, Pennsylvania 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 Erie, Pennsylvania 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 Erie, Pennsylvania. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in PA.
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 Pennsylvania?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Pennsylvania?
Are credit unions or banks better for personal loans in Erie, Pennsylvania?
What are the best personal loan rates in Erie, Pennsylvania?
- Tendto Credit Union: 4.49% (New 2026 Loan)
- Erie Police Federal Credit Union: 4.50% (Summer Loan Special)
- Saint Vincent Erie Federal Credit Union: 4.99% (k - 12 Grades only Loan)
- I B E W LOCAL 56: 4.99% (Loan Special)
- Widget Financial Credit Union: 6.14% (24 Months Loan)
Personal Loan Calculators
