Best Personal Loan Rates in Monterey, Tennessee - July 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 Monterey, Tennessee include: Tennessee Valley Federal Credit UnionTennessee Valley Federal Credit UnionA+5.0 ★Texas Ratio: 3.89% offering Mileage - Within 3 most recent model years and less than 25,000 miles Loan at 4.89% APR, United Southeast Federal Credit UnionUnited Southeast Federal Credit UnionA+5.0 ★Texas Ratio: 2.38% offering Personal Loans at 5.15% APR, TNConnect Credit UnionTNConnect Credit UnionA+5.0 ★Texas Ratio: 5.41% offering New/Used Loan at 5.25% APR, Clinchfield Federal Credit UnionClinchfield Federal Credit UnionA+5.0 ★Texas Ratio: 1.11% offering New Recreational Equipment Loans - Models 5 years or newer at 5.60% APR, and Staley Credit UnionStaley Credit UnionA+5.0 ★Texas Ratio: 0.80% offering Credit Builder Loan at 5.70% APR. Personal loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Monterey borrowers have access to 48 lenders serving the Tennessee area, with personal loan rates as low as 4.89% APR from Tennessee Valley Federal Credit Union. 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 Monterey, Tennessee.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Monterey, Tennessee. 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 11, 2026
Monterey Personal Loan Rates
No additional details available.
Amount: Up to $2000
As Low As; **
No additional details available.
No additional details available.
As Low As; 100% Retail
As Low As
Loans from $250 to $2,500. Funds borrowed are secured and deposited in the member's savings account while regular payments are made. Once the loan is paid off in full, the funds in the savings account will be released and available for future use.
No additional details available.
No additional details available.
No additional details available.
As Low As
Credit Rating: A+
As Low As; 14.99%
Credit Rating: A+
Appraised Value or Purchase Price (whichever is less). The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
As Low As; ***
No additional details available.
Credit Rating: A
Credit Rating: A+
Fixed Rate
No additional details available.
Credit Rating: A
Appraised Value or Purchase Price (whichever is less). The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; New money only. Eligibility required. NCUA insured. Promotional period is 6.1.2026 - 9.1.2026. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. Estimated monthly payment of $30.90 per $1,000.00 borrowed at 6.99% APR for 36 months.
No additional details available.
No additional details available.
No additional details available.
Credit Rating: A
Signature APR
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
Maximum Amount: 20% of Gross Income - Depends on Credit Score
As Low As
As Low As
Maximum Amount: 20% of Gross Income - Depends on Credit Score
As Low As; Fixed
Credit Rating: B
Loans up to $250,000. No prepayment penalties. Personal guarantees may be waived.
Maximum Amount
No additional details available.
Credit Rating: B
Limits: $500-$50,000
No additional details available.
As Low As; 17.99%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Amount: Up to 100%
Credit Rating: B
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
No additional details available.
Purchase Price Plus Sales Tax. The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
No additional details available.
Fixed Rate
No additional details available.
No additional details available.
No additional details available.
Maximum Amount: $1,000
No additional details available.
Borrow up to $10,000
As Low As; Rate accurate as of July 3, 2026
Maximum Amount
No additional details available.
Credit Rating: C
As low as; Rates effective as of 04/10/2024. Rates subject to change without notice.
90% LTV (Loan to Value)
No additional details available.
As Low As; Including Debt Consolidation
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Member's interest rate decreased from 13.99% to 8.99%.
Credit Rating: C
No additional details available.
Models 2015 - 2016
Unsecured Loans
As Low As; Rate accurate as of July 3, 2026
No additional details available.
No additional details available.
As Low As; Rates effective as of 03/31/2026
No additional details available.
No additional details available.
Rate accurate as of July 3, 2026
As Low As; Rate accurate as of July 3, 2026
Credit Rating: D
Limits: $500-$25,000
No additional details available.
Eligibility based on previous lending history.
No additional details available.
As Low As
As Low As
As Low As
APR* Up To: 18.00%
As Low As
As Low As; See disclosure section below for details
No additional details available.
No additional details available.
As Low As; APR* 36 Months
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
Rate accurate as of July 3, 2026
No additional details available.
Credit Rating: D
As Low As
Based on annual income. Rates are variable and may change without notice. Contact credit union for current rates.
As Low As
Rate accurate as of July 3, 2026
No additional details available.
As Low As
No additional details available.
As Low As; Max $50,000
As Low As
ECU will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account.
No additional details available.
As Low As; APR* 48 Months
No additional details available.
No additional details available.
As Low As; APR = Annual Percentage Rate. The cost you pay yearly to borrow money, including fees, is expressed as a percentage. The APR is a broader measure of the cost of borrowing money since it reflects the interest rate and the fees you must pay to get the loan.
As low as 10.99% APR; (terms vary)
As Low As; Max $50,000
As Low As
No additional details available.
Rate accurate as of July 3, 2026
Based on Prime Rate Plus a margin based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Your interest rate may change.
Variable
As Low As; Signature
No additional details available.
As Low As; APR* 60 Months
No additional details available.
No additional details available.
No additional details available.
As Low As; $10,000.00 maximum borrowed. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. Estimated monthly payment of $33.21 per $1,000.00 borrowed at 11.99% APR for 36 months. $35.00 minimum payment. New money only. NCUA insured.
Monterey Personal Loan Rates
Amount: Up to $2000
No additional details available.
As Low As
As Low As; 14.99%
As Low As
As Low As
No additional details available.
As Low As; 17.99%
Fixed Rate
As Low As; Rates effective as of 03/31/2026
Rate accurate as of July 3, 2026
As Low As
As Low As; See disclosure section below for details
As Low As; APR* 36 Months
As Low As
As Low As
Rate accurate as of July 3, 2026
No additional details available.
As Low As
As Low As
Rate accurate as of July 3, 2026
As Low As
As Low As; APR* 48 Months
As Low As; APR = Annual Percentage Rate. The cost you pay yearly to borrow money, including fees, is expressed as a percentage. The APR is a broader measure of the cost of borrowing money since it reflects the interest rate and the fees you must pay to get the loan.
Rate accurate as of July 3, 2026
As Low As; APR* 60 Months
Monterey Debt Consolidation Loan Rates
No additional details available.
As Low As
No additional details available.
Monterey Signature Loan Rates
Signature APR
Maximum Amount: 20% of Gross Income - Depends on Credit Score
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
No additional details available.
No additional details available.
As low as; Rates effective as of 04/10/2024. Rates subject to change without notice.
As Low As; Including Debt Consolidation
No additional details available.
Member's interest rate decreased from 13.99% to 8.99%.
No additional details available.
No additional details available.
APR* Up To: 18.00%
No additional details available.
Based on annual income. Rates are variable and may change without notice. Contact credit union for current rates.
No additional details available.
As Low As; Max $50,000
As Low As
No additional details available.
As low as 10.99% APR; (terms vary)
As Low As; Max $50,000
As Low As
Variable
As Low As; Signature
As Low As; $10,000.00 maximum borrowed. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. Estimated monthly payment of $33.21 per $1,000.00 borrowed at 11.99% APR for 36 months. $35.00 minimum payment. New money only. NCUA insured.
Monterey, TN Personal Loan Rate Trends
Compare local Monterey, TN 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.
Tennessee personal loan rates fell 0.224 points over the past 7 days to 10.595% APR.
Tennessee signature loan rates fell 0.165 points over the past 7 days to 11.024% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Monterey, Tennessee 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 Monterey, Tennessee 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 Monterey, Tennessee. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in TN.
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 Tennessee?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Tennessee?
Are credit unions or banks better for personal loans in Monterey, Tennessee?
What are the best personal loan rates in Monterey, Tennessee?
- Tennessee Valley Federal Credit Union: 4.89% (Mileage - Within 3 most recent model years and less than 25,000 miles Loan)
- United Southeast Federal Credit Union: 5.15% (Personal Loans)
- TNConnect Credit Union: 5.25% (New/Used Loan)
- Clinchfield Federal Credit Union: 5.60% (New Recreational Equipment Loans - Models 5 years or newer)
- Staley Credit Union: 5.70% (Credit Builder Loan)
Personal Loan Calculators
