Best Personal Loan Rates in Lancaster, Pennsylvania - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Lancaster, Pennsylvania include: Penlanco Federal Credit UnionPenlanco Federal Credit Union630 Delp Rd Ste C, LANCASTER, PA, 17601 3077A+5.0 ★Texas Ratio: 0.68% offering Personal Loan at 7.95% APR, Fulton BankFulton Bank1 Penn Sq, Lancaster, PA, 17602A+5.0 ★Texas Ratio: 4.98% offering Unsecured Optionline Tier 1 Loan at 8.00% APR, Lancaster Red Rose Credit UnionLancaster Red Rose Credit Union50 N Duke St, Lancaster, PA, 17602 2805A+5.0 ★Texas Ratio: 2.33% offering Unsecured Personal Loans at 8.00% APR, Eagle One Federal Credit UnionEagle One Federal Credit Union1400 Harrisburg Pike, Lancaster, PA, 17604 1000A5.0 ★Texas Ratio: 12.42% offering Personal Loan - Any Purpose at 8.90% APR, and Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union750 E King St, Lancaster, PA, 17602A+5.0 ★Texas Ratio: 5.00% offering Personal Loans at 8.99% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Lancaster has 11 local institutions in our database, with personal loan rates as low as 7.95% APR from Penlanco Federal Credit Union at 630 Delp Rd Ste C, LANCASTER, PA, 17601 3077. 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 Lancaster, Pennsylvania.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lancaster, 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: June 29, 2026
Lancaster Personal Loan Rates
As low as
No additional details available.
FICO Score: 750+
FICO Score: 750+
As Low As; *See important disclosures
As Low As; **See important disclosures
As Low As; Loan Amount (Minimum): $1,000.00
FICO Score: 750+
No additional details available.
FICO Score: 750+
Rate is determined by your credit score and term selected. Highest rate is 17.74%. Maximum loan amount $15,000.
As Low As; Loan Amount (Minimum): $3,000.00
As Low As; Personal Loan Rates
Rate, amount and term determined by credit score. Highest rate is 18.00%. Maximum loan amount is $25,000.
No additional details available.
A Loan as Personal as Your Goals
FICO Score: 750+
As Low As
No additional details available.
FICO Score: 700 - 749
As Low As
As Low As
FICO Score: 700 - 749
FICO Score: 650 - 699
No additional details available.
As Low As; Loan Amount (Minimum): $5,000.00
FICO Score: 650 - 699
FICO Score: 650 - 699
As Low As
FICO Score: 650 - 699
FICO Score: 600 - 649
FICO Score: 600 - 649
FICO Score: 600 - 649
FICO Score: 600 - 649
Application Fee - $20.00. Payment Protection- Not available. Membership requirement - 12 months. 50 basis points (0.50%) reduction for payroll deduction. Must provide two pay stubs or review of account to ensure consistent direct deposit from employer.
Application Fee- $20.00. Payment Protection- Not available. Membership requirement - 6 months. 50 basis points (0.50%) reduction for payroll deduction. Must provide two pay stubs or review of account to ensure consistent direct deposit from employer. Credit report is not required However, all loans will be reported to the credit bureaus. One PAL (Option 1 or Option 2) loan at a time.
$500
$200
As low as; APR is Annual Percentage Rate. Click for details.
No additional details available.
New / Used (2021 - 2026)2
APR4
APR*
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Model Year: New-2026, LTV: 100%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Minimum Loan Amount: $2,500
No additional details available.
New / Used (2021 - 2026)2
APR4
No additional details available.
No additional details available.
Adjustment to Index: Prime - 1.0%
No additional details available.
As Low As; Minimum Loan Amount: $5,000
No additional details available.
Model Year: New-2026, LTV: 100%
As Low As
No additional details available.
As Low As; Minimum Loan Amount: $7,500
No additional details available.
No additional details available.
If you refinanced your auto loan that is financed somewhere else. Note: $108.00 PA Department of Motor Vehicles titling fee applies this loan.
As Low As
As Low As
As low as; Balance Transfers APR*
Used (2020 & older)2
APR4
Model Year: Used 2023-2025, LTV: 90%
As Low As; * (based on credit score)
NO Post-secondary educational institutions allowed. Checks made payable to school.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
$3000.00
No additional details available.
No additional details available.
Model Year: New-2026, LTV: 100%
No additional details available.
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.
No additional details available.
No additional details available.
As Low As; Minimum Loan Amount: $15,000
No additional details available.
As Low As; Bright Auto Loans
Loan amount up to 100% of"good" market value as listed in Black®Book® CPI publication
No additional details available.
As Low As
No additional details available.
Model Year: New-2026, LTV: 100%
Model Year: Used 2023-2025, LTV: 90%
No additional details available.
No additional details available.
No additional details available.
Model Year: Used 2023-2025, LTV: 90%
APR4
Used (2020 & older)2
As Low As; Bright Auto Loans
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.
APR*
Model Year: New-2026, LTV: 100%
No additional details available.
APR*
No additional details available.
No additional details available.
As Low As
Maximum Loan $5,000; As Low As
As Low As; Finance up to 110% of the vehicle value
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; Minimum Loan Amount: $25,000
No additional details available.
As Low As; Minimum Loan Amount: $2,500
Model Year: Used 2021-2022, LTV: 90%
New / Used (2021 - 2026)2
$30; As Low As; Bright Auto Loans
As Low As; Used (2021-2026)
As Low As; Finance up to 110% of the vehicle value
No additional details available.
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.
No additional details available.
Model Year: New-2026, LTV: 100%
As Low As; Minimum Loan Amount: $5,000
As Low As
As Low As
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.
up to $2,500.00; As Low As; *
As Low As
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.
No additional details available.
As Low As; Minimum Loan Amount: $7,500
As Low As; Used (2020 & Older)
As Low As
$30; As Low As; Bright Auto Loans
As Low As
As Low As; This rate includes the .25% discount with Auto Pay. Full Appraisal Required By Credit Union
Used (2020 & older)2
As Low As; $2,000 maximum. New loan only - no refinance
80% CLTV
As Low As
No additional details available.
As Low As
Borrow up to $2,000.00
Short term loan with a 6 month payback. Amounts up to $1,000 are available to members in good standing for at least 90 days with two current paystubs.
As Low As
Model Year: New-2026, LTV: 100%
Model Year: Used 2019-2020, LTV: 90%
As Low As
As Low As; Finance up to 110% of the vehicle value
New / Used (2021 - 2026)2
As Low As
Rate Lock: 120 days
$30; As Low As; Used (2021-2026)
As Low As
As Low As
As Low As; Minimum Loan Amount: $15,000
As Low As
Adjustment to Index: Prime - 0.5%
80% CLTV
No additional details available.
80% CLTV
Model Year: New-2026, LTV: 100%
Rate Lock: 120 days
Rate Lock: 120 days
No additional details available.
No additional details available.
No additional details available.
As Low As
Model Year: New-2026, LTV: 100%
Lancaster Personal Loan Rates
As low as
FICO Score: 750+
FICO Score: 750+
As Low As; *See important disclosures
As Low As; **See important disclosures
As Low As; Loan Amount (Minimum): $1,000.00
FICO Score: 750+
No additional details available.
FICO Score: 750+
A Loan as Personal as Your Goals
No additional details available.
Rate, amount and term determined by credit score. Highest rate is 18.00%. Maximum loan amount is $25,000.
As Low As; Personal Loan Rates
As Low As; Loan Amount (Minimum): $3,000.00
FICO Score: 750+
As Low As
FICO Score: 700 - 749
As Low As
As Low As
FICO Score: 700 - 749
FICO Score: 650 - 699
No additional details available.
As Low As; Loan Amount (Minimum): $5,000.00
FICO Score: 650 - 699
FICO Score: 650 - 699
As Low As
FICO Score: 650 - 699
FICO Score: 600 - 649
FICO Score: 600 - 649
FICO Score: 600 - 649
FICO Score: 600 - 649
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
As Low As
Lancaster Debt Consolidation Loan Rates
As Low As
No additional details available.
Lancaster Signature Loan Rates
No additional details available.
No additional details available.
up to $2,500.00; As Low As; *
Borrow up to $2,000.00
Lancaster, PA Personal Loan Rate Trends
Compare local Lancaster, 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 0.006 points over the past 7 days to 10.379% APR.
Pennsylvania signature loan rates rose 0.012 points over the past 7 days to 10.803% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lancaster, 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 Lancaster, 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 Lancaster, 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 Lancaster, Pennsylvania?
What are the best personal loan rates in Lancaster, Pennsylvania?
- Penlanco Federal Credit Union: 7.95% (Personal Loan)
- Fulton Bank: 8.00% (Unsecured Optionline Tier 1 Loan)
- Lancaster Red Rose Credit Union: 8.00% (Unsecured Personal Loans)
- Eagle One Federal Credit Union: 8.90% (Personal Loan - Any Purpose)
- Pennsylvania State Employees Credit Union: 8.99% (Personal Loans)
Lancaster, Pennsylvania Rates & Resources
Personal Loan Calculators
