Best Personal Loan Rates in Milton, Vermont (VT) - April 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 Milton, Vermont include: Vermont Federal Credit UnionVermont Federal Credit Union4 Centre Dr, Milton, VT, 05468A+5.0 ★Texas Ratio: 3.42% offering Consumer Loans at 4.40% APR, TD BankTD Bank175 Route 7 S, Milton, VT, 05468A5.0 ★Texas Ratio: 6.30% offering Personal Loan at 7.99% APR, Green Mountain Credit UnionGreen Mountain Credit UnionC4.0 ★Texas Ratio: 27.55% offering Renewable Energy Loan at 3.99% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, and Citizens BankCitizens BankA5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR. Personal loan rates as of April 4, 2026 according to verified data from MonitorBankRates.
Milton has 2 local institutions in our database, with personal loan rates as low as 4.40% APR from Vermont Federal Credit Union at 4 Centre Dr, Milton, VT, 05468. 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 Milton, Vermont.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Milton, 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: April 4, 2026
Up to 10 model years old
Up to 10 model years old
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Up to 3 model years old ((Minimum $15K)
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Up to 2 model years old (Minimum $25K)
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New Only (Min $35K)
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Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
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A++
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Fixed rates
As Low As; Funds must be payable to fuel provider. Rates effective 9/2/25 until further notice
B
No additional details available.
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
As Low As
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C
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As Low As
As Low As
As Low As; Advertised Annual Percentage Rate accurate as of 7/22/2025 and are subject to change without notice. 7.89% APR available to qualified borrowers: 1). Requesting a minimum loan amount of $7,500; 2) With a bank-obtained credit score of at least 740; 3). Who have an eligible CBNA checking account (Includes: CBNA Carefree Checking, Premium Checking, or 50 Direct Checking); AND 4). With autopay from an eligible CBNA checking account. Maximum Loan Term is 60 months. Minimum Period for Repayment: 12 Months. Credit scores below 740 can range up to a maximum APR of 16.00% (rate without eligible CBNA checking account discount and without autopay discount). No origination fee, No Pre-payment penalty fee. For example, a 60-month $15,000 unsecured loan with an 7.89% interest rate would have 60 scheduled monthly payments of approximately $303.37.Other terms and conditions may apply. Call for details.
No additional details available.
As Low As
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 03/23/2026 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.
As Low As
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Fixed rates
As Low As
Variable rates
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As Low As
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MAX LOAN $ 1,200.00
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INSTALLMENT
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Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
No additional details available.
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As Low As; Advertised Annual Percentage Rate accurate as of 7/22/2025 and are subject to change without notice. 7.89% APR available to qualified borrowers: 1). Requesting a minimum loan amount of $7,500; 2) With a bank-obtained credit score of at least 740; 3). Who have an eligible CBNA checking account (Includes: CBNA Carefree Checking, Premium Checking, or 50 Direct Checking); AND 4). With autopay from an eligible CBNA checking account. Maximum Loan Term is 60 months. Minimum Period for Repayment: 12 Months. Credit scores below 740 can range up to a maximum APR of 16.00% (rate without eligible CBNA checking account discount and without autopay discount). No origination fee, No Pre-payment penalty fee. For example, a 60-month $15,000 unsecured loan with an 7.89% interest rate would have 60 scheduled monthly payments of approximately $303.37.Other terms and conditions may apply. Call for details.
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 03/23/2026 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.
As Low As
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Milton, VT Personal Loan Rate Trends
Compare local Milton, VT 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.
Vermont personal loan rates currently average 10.626% APR.
Vermont signature loan rates currently average 11.121% APR.
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 Milton, Vermont?
What are the best personal loan rates in Milton, Vermont?
- Vermont Federal Credit Union: 4.40% (Consumer Loans)
- TD Bank: 7.99% (Personal Loan)
- Green Mountain Credit Union: 3.99% (Renewable Energy Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
Personal Loan Calculators
