Best Personal Loan Rates in Philadelphia, Pennsylvania -
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Philadelphia, Pennsylvania include: Parke BankParke Bank1610 Spruce St, Philadelphia, PA, 19103A5.0 ★Texas Ratio: 6.65% offering Parke Cashback Advantage Loan at 5.00% 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 5.49% APR, TruMark Financial Credit UnionTruMark Financial Credit Union7350 Large St, Philadelphia, PA, 19152A+5.0 ★Texas Ratio: 3.60% offering 2027 - 2024 Loan at 5.54% APR, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union12901 Townsend Rd, Philadelphia, PA, 19154 1021A+5.0 ★Texas Ratio: 5.00% offering 5 Year Equity Loan-to-Value up to 80% at 5.69% APR, and Self Reliance NY Federal Credit UnionSelf Reliance NY Federal Credit Union2307 Brown St, Philadelphia, PA, 19130A+5.0 ★Texas Ratio: 2.08% offering 0% origination Loan at 5.86% APR. Personal loan rates as of July 24, 2026 according to verified data from MonitorBankRates.
Philadelphia has 14 local institutions in our database, with personal loan rates as low as 5.00% APR from Parke Bank at 1610 Spruce St, Philadelphia, PA, 19103. 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: July 24, 2026
Philadelphia Personal Loan Rates
5% on Purchases (up to $15 monthly)
As Low As; New (<10K miles)
As Low As
As Low As
As Low As; Loan-to-Value up to 80%
As Low As; Used (2021-2026)
As Low As
As Low As
As Low As; 0% origination
As Low As; Loan-to-Value up to 80%
As Low As
$30; As Low As
As Low As; New (<10K miles)
As Low As
As Low As; Loan-to-Value greater than 80% to 90%
As Low As
$30; As Low As; Used (2021-2026)
As Low As; Used (2021-2026)
As Low As
As Low As; Loan-to-Value greater than 80% to 90%
As Low As
As Low As
As low as
$30; As Low As
As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As; Auto Pay Discount: 6.39%
As Low As
As Low As
As low as
As Low As; w/ Auto Pay Discount: as low as 7.39%
As Low As; Auto Pay Discount: 7.39%
As Low As
As Low As
No additional details available.
As Low As; w/ Auto Pay Discount: as low as 8.39%
As Low As; Auto Pay Discount: 8.39%
As Low As;*
As Low As;**
As Low As; Seasonal Holiday Loan October 1st - January 31st. Borrow $500-$4,000.
As Low As; Minimum loan amount $1,000.00
No additional details available.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
As Low As; w/ Auto Pay Discount: as low as 9.39%
As Low As; Auto Pay Discount: 9.39%
As Low As
Personal Loan Rates; As Low As
As Low As; Minimum loan amount $3,000.00
As Low As
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. Annual Percentage Rate. APR is based on evaluation of applicant's credit. Your actual APR may vary.
As Low As; w/ Auto Pay Discount: as low as 10.39%
As Low As; Auto Pay Discount: 10.39%
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
No additional details available.
No additional details available.
As Low As
As Low As; Rate: WSJ Prime^ + 3.49%
No additional details available.
As Low As; Minimum loan amount $5,000.00
No additional details available.
As Low As; Rate: WSJ Prime^ + 5.49%
As Low As; Rate: WSJ Prime^ + 7.49%
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. Apply For A Personal Loan This link navigates to an external website.
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
As Low As
No additional details available.
$10,000
No additional details available.
$10,000
Up to $50,000
No additional details available.
Fair Isaac Risk Score: 750+ w/ 100% Financing
$10,000
No additional details available.
Model Year: New-2026, LTV: 100%
No additional details available.
Fair Isaac Risk Score: 720+ w/ 90% Financing
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.
No additional details available.
As Low As; New 2025 - 2026
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; New 2025 - 2026
No additional details available.
Adjustment to Index: Prime - 1.0%
Model Year: New-2026, LTV: 100%
No additional details available.
Model Year: Used 2023-2025, LTV: 90%
No additional details available.
Fair Isaac Risk Score: 750+ w/ 100% Financing
No additional details available.
As low as Balance Transfers APR*
No additional details available.
No additional details available.
As low as; (based on credit score)
NO Post-secondary educational institutions allowed. Checks made payable to school.
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.
As Low As; New 2025 - 2026
Borrow $500-$2,500 at a rate as low as 4.99%APR*
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Borrow up to $2,500.00
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.
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; New 2025 - 2026
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.
Model Year: Used 2023-2025, LTV: 90%
No additional details available.
No additional details available.
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.
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.
No additional details available.
No additional details available.
As Low As
As Low As; Maximum Loan $5,000
No additional details available.
No additional details available.
No additional details available.
As Low As; New 2025 - 2026
As Low As
As Low As; Used 2020 - 2024
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.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Adjustment to Index: Prime - 1.0%
No additional details available.
As Low As; Used 2020 - 2024
Model Year: New-2026, LTV: 100%
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; $2,000 maximum. New loan only - no refinance
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
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; Signature up to $2,500.00
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; Used 2020 - 2024
No additional details available.
As Low As
80% CLTV
As Low As
As Low As
No additional details available.
Model Year: Used 2019-2020, LTV: 90%
Model Year: New-2026, LTV: 100%
No additional details available.
As Low As
As Low As
As Low As
As Low As
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.
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
No additional details available.
As Low As; Used 2020 - 2024
Philadelphia Personal Loan Rates
As Low As; Auto Pay Discount: 6.39%
As low as
As Low As; Auto Pay Discount: 7.39%
As Low As; Auto Pay Discount: 8.39%
As Low As;*
As Low As; Minimum loan amount $1,000.00
No additional details available.
As Low As; Auto Pay Discount: 9.39%
As Low As
As Low As
No additional details available.
As Low As; Minimum loan amount $3,000.00
Personal Loan Rates; As Low As
As Low As; Auto Pay Discount: 10.39%
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Minimum loan amount $5,000.00
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.
Philadelphia Debt Consolidation Loan Rates
As Low As
No additional details available.
Philadelphia Signature Loan Rates
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
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
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 0.016 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 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?
- Parke Bank: 5.00% (Parke Cashback Advantage Loan)
- Sun Federal Credit Union: 5.49% (New (<10K miles) 1-75 month term Loan)
- TruMark Financial Credit Union: 5.54% (2027 - 2024 Loan)
- Pennsylvania State Employees Credit Union: 5.69% (5 Year Equity Loan-to-Value up to 80%)
- Self Reliance NY Federal Credit Union: 5.86% (0% origination Loan)
Philadelphia, Pennsylvania Rates & Resources
Personal Loan Calculators
