Mattawana, Pennsylvania Best Personal Loan Rates - September 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 Mattawana, Pennsylvania include: Reading Berks School Employees Credit UnionReading Berks School Employees Credit UnionA+5.0 ★Texas Ratio: 0.89% offering PLEDGED SHARE LOANS at 4.50% APR, Ingersoll Rand Federal Credit UnionIngersoll Rand Federal Credit UnionA5.0 ★Texas Ratio: 7.43% offering Solar Loan at 5.49% APR, ADVANTAGE FINANCIALADVANTAGE FINANCIALA5.0 ★Texas Ratio: 6.83% offering Personal Loans at 6.49% APR, General Electric Employees Federal Credit UnionGeneral Electric Employees Federal Credit UnionA+5.0 ★Texas Ratio: 4.95% offering Personal Loan at 6.50% APR, and York Educational Federal Credit UnionYork Educational Federal Credit UnionA+5.0 ★Texas Ratio: 0.50% offering Personal Loans at 6.50% APR. Personal loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Mattawana borrowers have access to 80 lenders serving the Pennsylvania area, with personal loan rates as low as 4.50% APR from Reading Berks School Employees Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 Mattawana, Pennsylvania.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Mattawana, 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: September 16, 2026
Mattawana Personal Loan Rates
No additional details available.
As Low As
As Low As
As Low As; Auto Pay Discount: 6.39%
As Low As; Special fixed up to 15 months!
As Low As; Especial!
As Low As; Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
$5,000.00 for 48 months. Maximum of one (1) per member.
Maximum loan amount $5,000.00. Maximum of one (1) per member.
As low as
No additional details available.
Rates As Low As
No additional details available.
As Low As; Rates as low as 6.99%
Rates subject to change without notice. Rates are 'as low as'.
No additional details available.
Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. 700 credit score and above. Cannot be combined with any other offer other than the 3-star discount. Promotion may be cancelled at any time. Effective July 1 - September 30, 2026.
As Low As
As low as; Subject to change
No additional details available.
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.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Auto Pay Discount: 7.39%
Rate applies to Signature Loans - Unsecured. APR*
As Low As
No additional details available.
No additional details available.
up to $10,000
As Low As
As Low As
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Credit Level: Gold; Credit Score: 730 and Up
Rate applies to Signature Loans - Unsecured. APR*
As Low As
No additional details available.
No additional details available.
Credit Score: 750-Above
No additional details available.
No additional details available.
As low as; View Rates >
Min. $1,000.00 / Max. $10,000.00
Maximum APR: 18.00%. The Signature rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage. APR as low as
as low as $24.42
APR=Annual Percentage Rate
No additional details available.
As low as
As Low As
As Low As
As low as 6.49%
up to $10,000
As Low As
No additional details available.
up to $15,000; Maximum: $15,000.00
Rate applies to Signature Loans - Unsecured. APR*
As Low As; Personal Loan
As Low As; $5,000.00 Maximum for qualified borrowers, restrictions apply
Maximum loan amount of $10,000. Credit score of 630 and above required.
As Low As; Maximum amount varies based on credit score.; Rates subject to change without notice.
No additional details available.
Maximum: $10,000*
Maximum: $10,000
FICO Score: 750+
No additional details available.
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Rate applies to Signature Loans - Unsecured. APR*
As Low As
As Low As; Maximum amount varies based on credit score.; Rates subject to change without notice.
Credit Score: 749-700
Credit Score: 750-Above
No additional details available.
No additional details available.
As Low As; $10,000 max for qualified borrowers; Cosigner & Collateral required
As Low As; *Rates are subject to change without notice.
No additional details available.
up to $12,000; Credit Score Tier: 710+
Credit Tier: A+ (760+)
As Low As
As Low As; Auto Pay Discount: 8.39%
Credit Level: Gold; Credit Score: 730 and Up
Rate applies to Signature Loans - Unsecured. APR*
As Low As; Personal Loan
As Low As; Maximum amount varies based on credit score.; Rates subject to change without notice.
Dollar limits are based on income and credit score. All loans under $2,000 have a rate of 8.5%. Signature loans are available after 60 days of membership. There is no waiting period with a credit score of 700 or higher.
No additional details available.
No additional details available.
Annual Percentage Rates are subject to change without notice: contact the office for current rates.
UP TO $10,000
FICO Score: 750+
No additional details available.
$20,000
As Low As; Minimum Loan Amount: $1,000
As Low As; Minimum Loan Amount: $2,000
As Low As; Minimum Loan Amount: $3,000
As Low As; Minimum Loan Amount: $4,000
As Low As; Minimum Loan Amount: $5,000
As low as; Up to $20,000 for qualified borrowers.
Credit Tier: A+ (760+)
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.
Credit Level: Silver; Credit Score: 729 - 670
As Low As
As Low As
No additional details available.
No additional details available.
Purpose: Any Purpose; As Low As*
No additional details available.
As low as; Rates effective as of 11/01/2025
No additional details available.
No additional details available.
No additional details available.
As Low As
$7,500 + Shares
No additional details available.
$20,000
No additional details available.
No additional details available.
Rates subject to credit score. Additional loan rate details.
No additional details available.
As Low As
No additional details available.
Credit Tier: A+ (760+)
up to $10,000
As Low As
As Low As; Loan Amount (Minimum): $1,000.00
Rates as low as 8.99%
($10,000 maximum)
Monthly Cost / $1000 borrowed: $29.97
As low as with Rewards
Borrow $5,000 - $10,000; Fixed Rate; Unsecured - No Collateral Required; Available for members in credit tiers: score must be 620 or above; Valid through April 30
**
($6,000 maximum)
As Low As; Personal Loan
As low as; Rates effective as of 4/01/2026 through 9/30/2026. Rates subject to change without notice.
$10,000 maximum
As low as; Terms up to 60 Months
As Low As; **
No additional details available.
As low as
FICO Score: 700 - 749
FICO Score: 750+
Mattawana Personal Loan Rates
As Low As; Auto Pay Discount: 6.39%
As Low As; Special fixed up to 15 months!
As Low As; Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
$5,000.00 for 48 months. Maximum of one (1) per member.
Maximum loan amount $5,000.00. Maximum of one (1) per member.
No additional details available.
As Low As; Rates as low as 6.99%
Rates subject to change without notice. Rates are 'as low as'.
No additional details available.
Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. 700 credit score and above. Cannot be combined with any other offer other than the 3-star discount. Promotion may be cancelled at any time. Effective July 1 - September 30, 2026.
As Low As
No additional details available.
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.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Auto Pay Discount: 7.39%
As Low As
No additional details available.
As Low As
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
As Low As
No additional details available.
No additional details available.
As low as; View Rates >
as low as $24.42
APR=Annual Percentage Rate
No additional details available.
As Low As
As low as 6.49%
As Low As
As Low As; Personal Loan
As Low As; Maximum amount varies based on credit score.; Rates subject to change without notice.
No additional details available.
FICO Score: 750+
No additional details available.
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
As Low As
As Low As; Maximum amount varies based on credit score.; Rates subject to change without notice.
No additional details available.
No additional details available.
As Low As; *Rates are subject to change without notice.
No additional details available.
up to $12,000; Credit Score Tier: 710+
Credit Tier: A+ (760+)
As Low As
As Low As; Auto Pay Discount: 8.39%
As Low As; Personal Loan
As Low As; Maximum amount varies based on credit score.; Rates subject to change without notice.
No additional details available.
FICO Score: 750+
$20,000
Credit Tier: A+ (760+)
No additional details available.
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
As Low As
No additional details available.
No additional details available.
Purpose: Any Purpose; As Low As*
As low as; Rates effective as of 11/01/2025
No additional details available.
$20,000
No additional details available.
Rates subject to credit score. Additional loan rate details.
No additional details available.
As Low As
Credit Tier: A+ (760+)
As Low As
As Low As; Loan Amount (Minimum): $1,000.00
Rates as low as 8.99%
($10,000 maximum)
As low as with Rewards
As Low As; Personal Loan
As low as; Rates effective as of 4/01/2026 through 9/30/2026. Rates subject to change without notice.
As Low As; **
No additional details available.
FICO Score: 700 - 749
FICO Score: 750+
Mattawana Debt Consolidation Loan Rates
Maximum loan amount of $10,000. Credit score of 630 and above required.
As Low As
Mattawana Signature Loan Rates
As low as
Rates As Low As
No additional details available.
As low as; Subject to change
Rate applies to Signature Loans - Unsecured. APR*
No additional details available.
up to $10,000
Credit Level: Gold; Credit Score: 730 and Up
Rate applies to Signature Loans - Unsecured. APR*
Credit Score: 750-Above
No additional details available.
No additional details available.
Maximum APR: 18.00%. The Signature rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage. APR as low as
No additional details available.
As low as
As low as 6.49%
up to $10,000
Rate applies to Signature Loans - Unsecured. APR*
Maximum: $10,000*
Maximum: $10,000
Rate applies to Signature Loans - Unsecured. APR*
Credit Score: 749-700
Credit Score: 750-Above
Credit Level: Gold; Credit Score: 730 and Up
Rate applies to Signature Loans - Unsecured. APR*
Dollar limits are based on income and credit score. All loans under $2,000 have a rate of 8.5%. Signature loans are available after 60 days of membership. There is no waiting period with a credit score of 700 or higher.
No additional details available.
Annual Percentage Rates are subject to change without notice: contact the office for current rates.
UP TO $10,000
No additional details available.
As Low As; Minimum Loan Amount: $1,000
As Low As; Minimum Loan Amount: $2,000
As Low As; Minimum Loan Amount: $3,000
As Low As; Minimum Loan Amount: $4,000
As Low As; Minimum Loan Amount: $5,000
As low as; Up to $20,000 for qualified borrowers.
Credit Level: Silver; Credit Score: 729 - 670
No additional details available.
No additional details available.
$7,500 + Shares
No additional details available.
No additional details available.
No additional details available.
up to $10,000
Rates as low as 8.99%
($10,000 maximum)
Monthly Cost / $1000 borrowed: $29.97
($6,000 maximum)
$10,000 maximum
As low as
Mattawana, PA Personal Loan Rate Trends
Compare local Mattawana, 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 fell 0.058 points over the past 7 days to 10.590% APR.
Pennsylvania signature loan rates rose 0.005 points over the past 7 days to 10.785% APR.
Mattawana, PA Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Pennsylvania figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current PA average personal loan APR of 10.59%, across the terms lenders serving Mattawana, Pennsylvania most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.09/mo | $162.72/mo | $128.23/mo | $107.69/mo |
| $10,000 | $464.18/mo | $325.45/mo | $256.47/mo | $215.38/mo |
| $15,000 | $696.27/mo | $488.17/mo | $384.70/mo | $323.08/mo |
| $25,000 | $1,160.44/mo | $813.62/mo | $641.17/mo | $538.46/mo |
| $35,000 | $1,624.62/mo | $1,139.07/mo | $897.64/mo | $753.85/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Mattawana, Pennsylvania
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the PA personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (PA average) | 10.59% | $384.70 | $3,466 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,684 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,219 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,811 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Mattawana, Pennsylvania
Prequalify With a Soft Credit Check
Most lenders serving Mattawana, Pennsylvania will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Pennsylvania data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Mattawana, Pennsylvania auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Mattawana, Pennsylvania high-yield savings account costs nothing and earns interest instead of paying it
Pennsylvania Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $385 monthly loan payment is roughly 9.9% of the median individual income in Pennsylvania. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Mattawana, Pennsylvania.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current PA average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Mattawana, 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 Mattawana, 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 Mattawana, 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 Mattawana, Pennsylvania?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Mattawana, Pennsylvania?
- Reading Berks School Employees Credit Union: 4.50% (PLEDGED SHARE LOANS)
- Ingersoll Rand Federal Credit Union: 5.49% (Solar Loan)
- ADVANTAGE FINANCIAL: 6.49% (Personal Loans)
- General Electric Employees Federal Credit Union: 6.50% (Personal Loan)
- York Educational Federal Credit Union: 6.50% (Personal Loans)
Mattawana, Pennsylvania Rates & Resources
Personal Loan Calculators
