Best Personal Loan Rates in Vermont (VT) - March 2026
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
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Current personal loan options available to borrowers in Vermont include: Green Mountain Credit UnionGreen Mountain Credit Union1250 Shelburne Rd, South Burlington, VT, 05403 7783C4.0 ★Texas Ratio: 27.55% offering Renewable Energy Loan at 3.99% APR, TrustCo BankTrustCo Bank215 North St, Bennington, VT, 05201A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Vermont Federal Credit UnionVermont Federal Credit Union84 Pine St, Burlington, VT, 05401 4441A+5.0 ★Texas Ratio: 3.42% offering Consumer Loans at 4.40% APR, Citizens BankCitizens Bank47 Merchants Row, Rutland, VT, 05701A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan - Fixed at 5.45% APR, and Heritage Family Federal Credit UnionHeritage Family Federal Credit Union30 Allen St, Rutland, VT, 05701A+5.0 ★Texas Ratio: 3.44% offering Heating Loan at 5.75% APR. Personal loan rates as of March 24, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Vermont can save you significantly over the life of your loan.
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 Vermont.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Vermont. 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: March 24, 2026
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Up to 10 model years old
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Up to 4 model years old
As Low As; 9.99%
As Low As; Funds must be payable to fuel provider. Rates effective 9/2/25 until further notice
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Up to 3 model years old ((Minimum $15K)
As Low As; 10.31%APR
Your interest rate and monthly payments can fluctuate during the repayment period.
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Up to 2 model years old (Minimum $25K)
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Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 02/17/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
New Only (Min $35K)
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MAX LOAN $ 1,200.00
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Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 02/17/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
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FIXED APR WITH AUTO PAY
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As Low As; [1](https://www.hfcuvt.com/#ftnt-1)
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Frequently Asked Questions
What credit score do I need for a personal loan in Vermont?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Vermont?
Are credit unions or banks better for personal loans in Vermont?
What are the best personal loan rates in Vermont?
- Green Mountain Credit Union: 3.99% (Renewable Energy Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Vermont Federal Credit Union: 4.40% (Consumer Loans)
- Citizens Bank: 5.45% (Medical Residency Refinance Loan - Fixed)
- Heritage Family Federal Credit Union: 5.75% (Heating Loan)
