Best Personal Loan Rates in Philadelphia, Pennsylvania -
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Philadelphia, Pennsylvania include: Self Reliance NY Federal Credit UnionSelf Reliance NY Federal Credit Union2307 Brown St, Philadelphia, PA, 19130A+5.0 ★Texas Ratio: 2.08% offering Up to 48 Months Loan at 4.89% APR, Sun Federal Credit UnionSun Federal Credit Union2800 W Passyunk Ave, Philadelphia, PA, 19145 5206A5.0 ★Texas Ratio: 8.76% offering New (<10K miles) 1-75 month term Loan at 5.24% APR, American Heritage Federal Credit UnionAmerican Heritage Federal Credit Union2060 Red Lion Rd, Philadelphia, PA, 19115 1603A5.0 ★Texas Ratio: 8.82% offering 10 Year Loan at 5.38% APR, TruMark Financial Credit UnionTruMark Financial Credit Union7350 Large St, Philadelphia, PA, 19152A+5.0 ★Texas Ratio: 3.60% offering First Credit Loan at 6.25% APR, and ADVANTAGE FINANCIALADVANTAGE FINANCIAL5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144A5.0 ★Texas Ratio: 7.37% offering Personal Loan at 6.49% APR. Personal loan rates as of June 7, 2026 according to verified data from MonitorBankRates.
Philadelphia has 14 local institutions in our database, with personal loan rates as low as 4.89% APR from Self Reliance NY Federal Credit Union at 2307 Brown St, Philadelphia, PA, 19130. 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 Philadelphia, Pennsylvania.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Philadelphia, 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 7, 2026
Philadelphia Personal Loan Rates
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
$30; As Low As
As Low As; Used (2021-2026)
As Low As
As Low As
$30; As Low As
As Low As
$30; As Low As; Used (2021-2026)
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Special introductory variable rate as low as Prime minus 1.51% for 9 months from the date of account opening. Currently 5.99% APR. After the 9 months, the rate will be the standard approved variable rate, currently ranging between 7.50% to 14.85% APR. Rates will fluctuate based on changes to the index rate. Excellent credit is required to qualify for the lowest rates.
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
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
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
$10,000 - $50,000
No additional details available.
No additional details available.
No additional details available.
As Low As; Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly. Not all will qualify for the lowest rate. Not all will be approved.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
$100 - $9,999
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
$20,000 or more
No additional details available.
As Low As; as low as WSJ Prime^ + 3.49%
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; as low as WSJ Prime^ + 5.49%
As Low As
As Low As; as low as WSJ Prime^ + 7.49%
As Low As
Qualifications Required: Must be a member for a minimum of 12 months; Must provide two pay stubs or review of account to ensure consistent direct deposit from employer; Application Fee - $20.00
Qualifications Required: Must be a member for a minimum of 6 months; Must provide two pay stubs or review of account to ensure consistent direct deposit from employer; Application Fee- $20.00
$500
$200
No additional details available.
$10,000
$10,000
No additional details available.
Fair Isaac Risk Score 725-850
$10,000
No additional details available.
Fair Isaac Risk Score 690-724
Fair Isaac Risk Score 725-850
No additional details available.
Fair Isaac Risk Score: 725-850
No additional details available.
No additional details available.
As Low As; 60-63 months
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.
No additional details available.
As Low As; up to 60 months
As Low As; (based on credit score)
As Low As; up to 60 months
As Low As
No additional details available.
No additional details available.
Fair Isaac Risk Score 725-850
Fair Isaac Risk Score 690-724
No additional details available.
No additional details available.
As Low As
100% of MSRP, Tax, Title, Tags
Fair Isaac Risk Score: 725-850
Fair Isaac Risk Score 650-689
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; Maximum Loan $5,000
Fair Isaac Risk Score: 690-724
Fair Isaac Risk Score 725-850
Fair Isaac Risk Score 690-724
No additional details available.
100% of MSRP, Tax, Title, Tags
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
Fair Isaac Risk Score: 725-850
Fair Isaac Risk Score: 690-724
As Low As
As Low As
As Low As; Your rate will be determined by your credit score at the time of application. Available 5/1/2026-9/1/2026.
As Low As
up to $2,500.00; As Low As
As Low As; when you borrow up to $2,500.00 for one year; Additional amounts available. Amount, rate & term based on approved credit.
No additional details available.
As Low As
As Low As; $2,000 maximum. New loan only - no refinance
As Low As
Fair Isaac Risk Score 650-689
90% CLTV: 6.500% APR
100% of MSRP, Tax, Title, Tags
As Low As
No additional details available.
As Low As
As Low As
100% of MSRP, Tax, Title, Tags
Fair Isaac Risk Score: 650-689
No additional details available.
80% CLTV
Fair Isaac Risk Score: 690-724
Fair Isaac Risk Score: 650-689
As Low As
Fair Isaac Risk Score: 725-850
As Low As
No additional details available.
No additional details available.
As Low As; With terms up to 84 Months Max amount financed is 80% *This rate includes the .25% discount.
As Low As
up to $75,000 and up to 4 years
As Low As; Annual Percentage Rate (APR) is current as of publication date. Terms and conditions may vary based on qualifications and collateral. This offer may be modified or discontinued without prior notice.
Up to 75 % approved stocks
7.00%
7.00%
80% CLTV
As Low As; for up to 60 months
Fair Isaac Risk Score 690-724
up to $5,000.00 for 48 months. Maximum of one (1) per member.
$5,000.00 for 48 months.
Fair Isaac Risk Score 725-850
As Low As
As Low As; Special fixed up to 15 months!
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
90% CLTV
No additional details available.
As Low As
Fair Isaac Risk Score: 725-850
90% CLTV
No additional details available.
No additional details available.
No additional details available.
Special Rate for First-time Borrowers
As Low As; up to 48 months
As Low As; up to 60 months
As Low As
Special rates valid until 07/31/26
Up to $4,000
No additional details available.
As Low As; (*all annual percentage rates are subject to change)
No additional details available.
Fair Isaac Risk Score 650-689
No additional details available.
As Low As
As Low As
As Low As
As Low As; Up to 90% LTV. Appraisal fee does apply.
As Low As
As Low As
Fair Isaac Risk Score 625-649
Fair Isaac Risk Score: 690-724
Fair Isaac Risk Score: 650-689
Fair Isaac Risk Score: 625-649
Philadelphia Personal Loan Rates
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
$10,000 - $50,000
As Low As
As Low As
As Low As
$100 - $9,999
As Low As
As Low As
$20,000 or more
No additional details available.
No additional details available.
As Low As
As Low As
up to $75,000 and up to 4 years
As Low As; Special fixed up to 15 months!
As Low As
up to $5,000.00 for 48 months. Maximum of one (1) per member.
Special Rate for First-time Borrowers
Up to $4,000
No additional details available.
Philadelphia Debt Consolidation Loan Rates
As Low As; * For Qualified Buyer
No additional details available.
As Low As
Philadelphia Signature Loan Rates
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.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
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.
No additional details available.
No additional details available.
No additional details available.
up to $2,500.00; As Low As
As Low As; when you borrow up to $2,500.00 for one year; Additional amounts available. Amount, rate & term based on approved credit.
As Low As
As Low As; for up to 60 months
As Low As; (*all annual percentage rates are subject to change)
Philadelphia, PA Personal Loan Rate Trends
Compare local Philadelphia, 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 0.140 points over the past 7 days to 10.491% APR.
Pennsylvania signature loan rates currently average 10.447% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Philadelphia, 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 Philadelphia, 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 Philadelphia, 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 Philadelphia, Pennsylvania?
What are the best personal loan rates in Philadelphia, Pennsylvania?
- Self Reliance NY Federal Credit Union: 4.89% (Up to 48 Months Loan)
- Sun Federal Credit Union: 5.24% (New (<10K miles) 1-75 month term Loan)
- American Heritage Federal Credit Union: 5.38% (10 Year Loan)
- TruMark Financial Credit Union: 6.25% (First Credit Loan)
- ADVANTAGE FINANCIAL: 6.49% (Personal Loan)
Philadelphia, Pennsylvania Rates & Resources
Personal Loan Calculators
