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Best Personal Loan Rates in Vermont (VT) - May 2026

Current personal loan options available to borrowers in Vermont include: 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, Northfield Savings BankNorthfield Savings Bank33 S Main St, Northfield, VT, 05663A+5.0 ★Texas Ratio: 4.01% offering Energy Improvement at 6.75% APR, Community BankCommunity Bank97 Main St, Fair Haven, VT, 05743A+5.0 ★Texas Ratio: 3.23% offering Unsecured Personal loan at 7.49% APR, and North Country Federal Credit UnionNorth Country Federal Credit Union69 Swift St, S Burlington, VT, 05403A5.0 ★Texas Ratio: 7.37% offering Loan at 7.84% APR. Personal loan rates as of May 10, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare personal loan rates across Vermont side-by-side. Vermont personal loan rates currently start as low as 4.00% APR from TrustCo Bank at 215 North St, Bennington, VT, 05201. 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 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: May 10, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Passbook Loan
4.00%
APR4.00%
Last UpdatedMay 12, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Consumer Loans
4.40%
APR4.40%
Last UpdatedMay 12, 2026
Details

Up to 10 model years old

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Consumer Loans
4.55%
APR4.55%
Last UpdatedMay 12, 2026
Details

Up to 10 model years old

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Consumer Loans
4.85%
APR4.85%
Last UpdatedMay 12, 2026
Details

Up to 5 model years old

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Consumer Loans
5.00%
APR5.00%
Last UpdatedMay 12, 2026
Details

Up to 4 model years old

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Consumer Loans
5.50%
APR5.50%
Last UpdatedMay 12, 2026
Details

Up to 3 model years old ((Minimum $15K)

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Solar Loan
5.90%
APR5.90%
Last UpdatedMay 12, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Consumer Loans
6.00%
APR6.00%
Last UpdatedMay 12, 2026
Details

Up to 2 model years old (Minimum $25K)

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Credit Builder Loan
6.00%
APR6.00%
Last UpdatedMay 12, 2026
Details

No additional details available.

Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Energy Improvement
6.75%
APR6.75%
Last UpdatedMay 12, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Solar Loan
6.90%
APR6.90%
Last UpdatedMay 12, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Consumer Loans
7.24%
APR7.24%
Last UpdatedMay 12, 2026
Details

New Only (Min $35K)

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
10 Year Fixed Land Loan
7.37%
APR7.37%
Last UpdatedMay 12, 2026
Details

No additional details available.

Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
97 Main St, Fair Haven, VT, 05743
Unsecured Personal loan
7.49%
APR7.49%
Last UpdatedMay 12, 2026
Details

FIXED APR WITH AUTO PAY

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Personal Loan (0-12 Month Term)
7.50%
APR7.50%
Last UpdatedMay 12, 2026
Details

No additional details available.

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
69 Swift St, S Burlington, VT, 05403
Loan
7.84%
APR7.84%
Last UpdatedMay 12, 2026
Details

As Low As

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
1250 Shelburne Rd, South Burlington, VT, 05403 7783
Tax Loans (tax payment/real estate)
7.99%
APR7.99%
Last UpdatedMay 12, 2026
Details

No additional details available.

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
69 Swift St, S Burlington, VT, 05403
Loan
8.09%
APR8.09%
Last UpdatedMay 12, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
69 Swift St, S Burlington, VT, 05403
Loan
8.59%
APR8.59%
Last UpdatedMay 12, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
69 Swift St, S Burlington, VT, 05403
Heating Fuel loan
8.90%
APR8.90%
Last UpdatedMay 12, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
69 Swift St, S Burlington, VT, 05403
Loan
9.09%
APR9.09%
Last UpdatedMay 12, 2026
Details

As Low As

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Personal Loan (13-36 Month Term)
9.50%
APR9.50%
Last UpdatedMay 12, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Property Tax Loan
9.99%
APR9.99%
Last UpdatedMay 12, 2026
Details

No additional details available.

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
1250 Shelburne Rd, South Burlington, VT, 05403 7783
Debt Consolidation Loans
10.49%
APR10.49%
Last UpdatedMay 12, 2026
Details

No additional details available.

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
1250 Shelburne Rd, South Burlington, VT, 05403 7783
Signature Loan
10.50%
APR10.50%
Last UpdatedMay 12, 2026
Details

No additional details available.

One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
1 Market Pl, Essex Junction, VT, 05452
Personal Loans
10.50%
APR10.50%
Last UpdatedMay 12, 2026
Details

As Low As

802 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
614 N Hartland Rd, White River Junction, VT, 05001 4720
Loan
10.74%
APR10.74%
Last UpdatedMay 12, 2026
Details

As Low As

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Personal Loan (37-60 Month Term)
10.75%
APR10.75%
Last UpdatedMay 12, 2026
Details

No additional details available.

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
69 Swift St, S Burlington, VT, 05403
Signature loan
10.94%
APR10.94%
Last UpdatedMay 12, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Personal Loan Unsecured
11.50%
APR11.50%
Last UpdatedMay 12, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Personal Loan Unsecured
12.50%
APR12.50%
Last UpdatedMay 12, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Debt Consolidation Loan
14.50%
APR14.50%
Last UpdatedMay 12, 2026
Details

No additional details available.

Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Unsecured Personal Loan
16.00%
APR16.00%
Last UpdatedMay 12, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
97 Main St, Fair Haven, VT, 05743
Unsecured Personal loan
7.49%
APR7.49%
Last UpdatedMay 12, 2026
Details

FIXED APR WITH AUTO PAY

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Personal Loan (0-12 Month Term)
7.50%
APR7.50%
Last UpdatedMay 12, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Personal Loan (13-36 Month Term)
9.50%
APR9.50%
Last UpdatedMay 12, 2026
Details

No additional details available.

One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
1 Market Pl, Essex Junction, VT, 05452
Personal Loans
10.50%
APR10.50%
Last UpdatedMay 12, 2026
Details

As Low As

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
Personal Loan (37-60 Month Term)
10.75%
APR10.75%
Last UpdatedMay 12, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Personal Loan Unsecured
11.50%
APR11.50%
Last UpdatedMay 12, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Personal Loan Unsecured
12.50%
APR12.50%
Last UpdatedMay 12, 2026
Details

No additional details available.

Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Unsecured Personal Loan
16.00%
APR16.00%
Last UpdatedMay 12, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
1250 Shelburne Rd, South Burlington, VT, 05403 7783
Debt Consolidation Loans
10.49%
APR10.49%
Last UpdatedMay 12, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Debt Consolidation Loan
14.50%
APR14.50%
Last UpdatedMay 12, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
1250 Shelburne Rd, South Burlington, VT, 05403 7783
Signature Loan
10.50%
APR10.50%
Last UpdatedMay 12, 2026
Details

No additional details available.

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
69 Swift St, S Burlington, VT, 05403
Signature loan
10.94%
APR10.94%
Last UpdatedMay 12, 2026
Details

As Low As

No home improvement personal loan rates found in Vermont currently.

Vermont Personal Loan Rate Trends

Compare local Vermont 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.

View Full Vermont Personal Loan Trends →
Personal Loan — VT Avg
9.171%
Unchanged vs 7 days ago

Vermont personal loan rates currently average 9.171% APR.

Signature Loan — VT Avg
11.020%
▲ 0.010 vs 7 days ago

Vermont signature loan rates rose 0.010 points over the past 7 days to 11.020% APR.

As of May 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions

What credit score do I need for a personal loan in Vermont?

Most lenders in Vermont require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Vermont often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Vermont require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Vermont?

Yes. Debt consolidation is one of the most common uses of personal loans in Vermont. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Vermont?

Credit unions in Vermont often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Vermont?

  • TrustCo Bank: 4.00% (Passbook Loan)
  • Vermont Federal Credit Union: 4.40% (Consumer Loans)
  • Northfield Savings Bank: 6.75% (Energy Improvement)
  • Community Bank: 7.49% (Unsecured Personal loan)
  • North Country Federal Credit Union: 7.84% (Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Vermont. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 10, 2026.

Cities in Vermont

  • East Ryegate
  • East Saint Johnsbury
  • East Thetford
  • East Wallingford
  • Eden
  • Eden Mills
  • Enosburg Falls
  • Essex
  • Essex Junction
  • Fair Haven
  • Fairfax
  • Fairfield
  • Fairlee
  • Ferrisburg
  • Fletcher
  • Florence
  • Forest Dale
  • Franklin
  • Gaysville
  • Gilman
  • Glover
  • Grafton
  • Granby
  • Grand Isle
  • Graniteville
  • Granville
  • Greensboro
  • Greensboro Bend
  • Groton
  • Guildhall
  • Hancock
  • Hardwick
  • Hartford
  • Hartland
  • Hartland Four Corners
  • Highgate Center
  • Highgate Springs
  • Hinesburg
  • Huntington
  • Hyde Park
  • Hydeville
  • Irasburg
  • Island Pond
  • Isle La Motte
  • Jacksonville
  • Jamaica
  • Jeffersonville
  • Jericho
  • Johnson
  • Jonesville
  • Killington
  • Lake Elmore
  • Lincoln
  • Londonderry
  • Lowell
  • Lower Waterford
  • Ludlow
  • Lunenburg
  • Lyndon
  • Lyndon Center
  • Lyndonville
  • Manchester
  • Manchester Center
  • Marlboro
  • Marshfield
  • McIndoe Falls
  • Middlebury
  • Middletown Springs
  • Milton
  • Monkton
  • Montgomery
  • Montgomery Center
  • Montpelier
  • Moretown
  • Morgan
  • Morrisville
  • Moscow
  • Mount Holly
  • New Haven
  • Newbury
  • Newfane
  • Newport
  • Newport Center
  • North Bennington
  • North Clarendon
  • North Concord
  • North Ferrisburg
  • North Hartland
  • North Hero
  • North Hyde Park
  • North Montpelier
  • North Pomfret
  • North Pownal
  • North Springfield
  • North Thetford
  • North Troy
  • Northfield
  • Northfield Falls
  • Norton
  • Norwich
  • Orleans
  • Orwell
  • Passumpsic
  • Pawlet
  • Peacham
  • Perkinsville
  • Peru
  • Pittsfield
  • Pittsford
  • Plainfield
  • Plymouth
  • Post Mills
  • Poultney
  • Pownal
  • Proctor
  • Proctorsville
  • Putney
  • Quechee
  • Randolph
  • Randolph Center
  • Reading
  • Readsboro
  • Richford
  • Richmond
  • Ripton
  • Rochester
  • Roxbury
  • Rupert
  • Rutland
  • Saint Albans
  • Saint Albans Bay
  • Saint Johnsbury
  • Saint Johnsbury Center
  • Salisbury
  • Saxtons River
  • Shaftsbury
  • Sharon
  • Sheffield
  • Shelburne
  • Sheldon
  • Sheldon Springs
  • Shoreham
  • South Barre
  • South Burlington
  • South Hero
  • South Londonderry
  • South Newfane
  • South Pomfret
  • South Royalton
  • South Ryegate
  • South Strafford
  • South Woodstock
  • Springfield
  • Stannard
  • Starksboro
  • Stockbridge
  • Stowe
  • Strafford
  • Sudbury
  • Sutton
  • Swanton
  • Taftsville
  • Thetford
  • Thetford Center
  • Townshend
  • Troy
  • Tunbridge
  • Underhill
  • Underhill Center
  • Vergennes
  • Vernon
  • Vershire
  • Waitsfield
  • Wallingford
  • Wardsboro
  • Warren
  • Washington
  • Waterbury
  • Waterbury Center
  • Waterville
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  • Wells
  • Wells River
  • West Burke
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  • Westfield
  • Westford
  • Westminster
  • Westminster Station
  • Weston
  • White River Junction
  • Whiting
  • Whitingham
  • Wilder
  • Williamstown
  • Williamsville
  • Williston
  • Wilmington
  • Windsor
  • Winooski
  • Wolcott
  • Woodbury
  • Woodford
  • Woodstock
  • Worcester