Howardsville, Virginia Best Personal Loan Rates - September 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 Howardsville, Virginia include: Richmond Virginia Fire Police Credit UnionRichmond Virginia Fire Police Credit UnionA+5.0 ★Texas Ratio: 1.54% offering Unsecured/Personal Loans at 6.75% APR, InFirst Federal Credit UnionInFirst Federal Credit UnionA+5.0 ★Texas Ratio: 4.59% offering Personal Loan at 6.99% APR, Member One Federal Credit Union offering Personal Loan at 6.99% APR, Signal Financial Federal Credit UnionSignal Financial Federal Credit UnionA+5.0 ★Texas Ratio: 3.10% offering Signature Loan at 6.99% APR, and Arlington Community Federal Credit UnionArlington Community Federal Credit UnionA5.0 ★Texas Ratio: 6.62% offering Personal Loan at 6.99% APR. Personal loan rates as of September 9, 2026 according to verified data from MonitorBankRates.
Howardsville borrowers have access to 73 lenders serving the Virginia area, with personal loan rates as low as 6.75% APR from Richmond Virginia Fire Police Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 Howardsville, Virginia.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Howardsville, Virginia. 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: September 9, 2026
Howardsville Personal Loan Rates
As Low As
As Low As
As low as
As Low As
As Low As; Loan Amounts: $1,000-$1500
APR range: 6.99% to 15.99%
As low as
No additional details available.
As Low As
As Low As
Fixed Rate.
Fixed Rate.
As Low As
As Low As; APR
As Low As; Personal Loan
As Low As; APR
As Low As; A loan of $2,500 for 36 months will have a monthly payment ranging from $78.04 to $90.99.
As Low As
As Low As; quick funding, no application fees, and no payment for 45 days.
Maximum Amount: $10,000
No additional details available.
As low as; Maximum APR: 18.00%. Rates include discounts for automatic payment and Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount Financed: up to $20,000
As Low As
As Low As; Loan Amounts: $3,001-$6,500
APR range: 7.99% to 17.99%
As Low As
As Low As; Personal Loan
No additional details available.
A *APR
As Low As
As low as; $50,000 maximum loan amount
As Low As
As Low As; Personal Loan
Annual % Rate (APR) as low as
As Low As; Limited time offer; $500 - $20,000; Other restrictions may apply. Contact 1st Advantage Federal Credit Union for complete details.
APR range: 8.75% - 17.75%
As Low As
No additional details available.
No additional details available.
Maximum Amount: $10,000
As Low As; APRs* ranging from 8.90% to 17.90%.
APR range: 8.95% - 17.95%
No additional details available.
As Low As
As Low As; Loan Amounts: $6,501-$10,000
As Low As; Rates subject to credit score.
No additional details available.
As Low As
As Low As; Personal Loan
Annual % Rate (APR) as low as
As low as
Approximate loan payment is $373.39 on a $15,000 signature loan at 9.00% and a 48 month term. Rates are subject to change without notice. The rate will be based on creditworthiness, term of the loan, and value of collateral offered to the amount of the loan.
No additional details available.
No additional details available.
No additional details available.
As Low As
As low as
As low as; Rate applies to terms up to 36 months.
No additional details available.
Annual % Rate (APR) as low as
No additional details available.
As low as**; Minimum: $250, Maximum: $70,000
As low as; $50,000 maximum loan amount
Fixed APR as low as; All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
APR up to 20.69%
Annual % Rate (APR) as low as
As Low As
As low as
No additional details available.
As low as**; Minimum: $250, Maximum: $70,000
No additional details available.
Maximum Amount: $10,000
Includes a 0.5% discount for enrolling in automatic payments. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. If you are a Citi banking Relationship Tier customer at the time of application, you may be eligible for an APR discount. If multiple relationship-based discounts are available, whether based on a Citi banking Relationship Tier or a qualifying credit card relationship, only the highest discount will apply. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
As low as**; Minimum: $250, Maximum: $70,000
Up to $50,000
Rate based on evaluation of credit history.
Quoted Rates are lowest available rates, your quoted rate may be higher. Rates are determined by credit criteria including credit score, term, amount financed, loan to value of collateral, mileage and other factors. Rate cannot go below credit union floor rate of 4.50% APR. Discounts do not apply to Lines of Credit, VISA Credit Cards, Shared Secured, CD Secured, HELOCs and First Mortgages.
As Low As; Loan Amounts: $10,001-$20,000
No collateral required.
Rates as low as
As Low As
As low as
As low as
As Low As; Amount: $500 - $15,000
As Low As; Payment Example: $106.21 (based on $5,000)
APR range: 9.99% - 17.99%
A *APR
No additional details available.
As low as
As low as**; Minimum: $250, Maximum: $70,000
As Low As; Amount: $500 - $15,001
As low as; Rate applies to terms up to 60 months.
Starting at
As low as**; Minimum: $250, Maximum: $70,000
As Low As
No additional details available.
No additional details available.
No additional details available.
As low as; $50,000 maximum loan amount
No additional details available.
No additional details available.
$10,000.00; Intro rate expires: 12 months; Regular APR: 7.99%
As Low As; Amount: $500 - $15,002
No additional details available.
As Low As
No additional details available.
Maximum Amount: $10,000
As Low As
As low as
Rate based on evaluation of credit history.
As Low As; Loan Amounts: $20,001-$50,000
As low as
As Low As
No additional details available.
No additional details available.
As low as**; Minimum: $250, Maximum: $70,000
APR range: 11.24% - 18.00%
No additional details available.
No additional details available.
As Low As
As Low As; $500 and up
No additional details available.
As low as; $50,000 maximum loan amount
As Low As
No additional details available.
No additional details available.
Advertised Annual Percentage Rate (APR) may change without notice. The estimated monthly payment for a $7,500, 48-month fixed rate Debt Consolidation loan or a Personal Convenience loan at 11.74% APR is $197.
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As low as; $50,000 maximum loan amount - $20,000 minimum loan amount for 61-72 month term
As low as
No additional details available.
B *APR
No additional details available.
As low as; Rates subject to change without notice.
No additional details available.
No additional details available.
No additional details available.
As Low As
3X Points on Gas, 2X Points on Groceries, 1 Point on Everything Else. Credit Lines up to $50,000. Complimentary 24-hour Visa Signature Concierge Service. Redeem points for cash, gift cards, travel and more.
Rate based on evaluation of credit history.
APR may vary depending upon credit qualifications and selected terms. All rates are fixed unless otherwise indicated. An estimated monthly payment of $270 would result for a loan amount of $8,000 at 12.99% for 36 months. Rates are subject to change without notice. No prepayment penalties. Certain restrictions apply. Loans are subject to credit approval. Repayment terms may vary depending upon rate.
No additional details available.
B *APR
No additional details available.
Variable APR*; Rates as Low As: 13.49%
Howardsville Personal Loan Rates
As Low As
As Low As
As low as
As Low As; Loan Amounts: $1,000-$1500
As low as
As Low As
As Low As
As Low As; APR
As Low As; Personal Loan
As Low As; APR
As Low As; A loan of $2,500 for 36 months will have a monthly payment ranging from $78.04 to $90.99.
As Low As
As Low As; quick funding, no application fees, and no payment for 45 days.
As Low As; Loan Amounts: $3,001-$6,500
APR range: 7.99% to 17.99%
As Low As
As Low As; Personal Loan
A *APR
As Low As
As low as; $50,000 maximum loan amount
As Low As
As Low As; Personal Loan
Annual % Rate (APR) as low as
As Low As
No additional details available.
As Low As; APRs* ranging from 8.90% to 17.90%.
APR range: 8.95% - 17.95%
As Low As
As Low As; Loan Amounts: $6,501-$10,000
As Low As; Rates subject to credit score.
As Low As; Personal Loan
Annual % Rate (APR) as low as
No additional details available.
No additional details available.
As Low As
As low as; Rate applies to terms up to 36 months.
Annual % Rate (APR) as low as
No additional details available.
As low as**; Minimum: $250, Maximum: $70,000
As low as; $50,000 maximum loan amount
APR up to 20.69%
Annual % Rate (APR) as low as
As Low As
As low as**; Minimum: $250, Maximum: $70,000
Includes a 0.5% discount for enrolling in automatic payments. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. If you are a Citi banking Relationship Tier customer at the time of application, you may be eligible for an APR discount. If multiple relationship-based discounts are available, whether based on a Citi banking Relationship Tier or a qualifying credit card relationship, only the highest discount will apply. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
As low as**; Minimum: $250, Maximum: $70,000
As Low As; Loan Amounts: $10,001-$20,000
No collateral required.
Rates as low as
As Low As
As low as
As low as
As Low As; Amount: $500 - $15,000
A *APR
No additional details available.
As low as
As low as**; Minimum: $250, Maximum: $70,000
As Low As; Amount: $500 - $15,001
As low as; Rate applies to terms up to 60 months.
Starting at
As low as**; Minimum: $250, Maximum: $70,000
As Low As
No additional details available.
No additional details available.
No additional details available.
As low as; $50,000 maximum loan amount
$10,000.00; Intro rate expires: 12 months; Regular APR: 7.99%
As Low As; Amount: $500 - $15,002
As Low As
No additional details available.
As Low As
As Low As; Loan Amounts: $20,001-$50,000
As low as
As Low As
As low as**; Minimum: $250, Maximum: $70,000
APR range: 11.24% - 18.00%
No additional details available.
As Low As
No additional details available.
As low as; $50,000 maximum loan amount
As Low As
Advertised Annual Percentage Rate (APR) may change without notice. The estimated monthly payment for a $7,500, 48-month fixed rate Debt Consolidation loan or a Personal Convenience loan at 11.74% APR is $197.
No additional details available.
As Low As
As Low As
As low as; $50,000 maximum loan amount - $20,000 minimum loan amount for 61-72 month term
As low as
B *APR
No additional details available.
As low as; Rates subject to change without notice.
No additional details available.
As Low As
APR may vary depending upon credit qualifications and selected terms. All rates are fixed unless otherwise indicated. An estimated monthly payment of $270 would result for a loan amount of $8,000 at 12.99% for 36 months. Rates are subject to change without notice. No prepayment penalties. Certain restrictions apply. Loans are subject to credit approval. Repayment terms may vary depending upon rate.
B *APR
No additional details available.
Howardsville Debt Consolidation Loan Rates
Fixed Rate.
As Low As; Limited time offer; $500 - $20,000; Other restrictions may apply. Contact 1st Advantage Federal Credit Union for complete details.
APR range: 8.75% - 17.75%
Quoted Rates are lowest available rates, your quoted rate may be higher. Rates are determined by credit criteria including credit score, term, amount financed, loan to value of collateral, mileage and other factors. Rate cannot go below credit union floor rate of 4.50% APR. Discounts do not apply to Lines of Credit, VISA Credit Cards, Shared Secured, CD Secured, HELOCs and First Mortgages.
As low as
Howardsville Signature Loan Rates
As Low As
APR range: 6.99% to 15.99%
As Low As
Maximum Amount: $10,000
No additional details available.
As low as; Maximum APR: 18.00%. Rates include discounts for automatic payment and Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount Financed: up to $20,000
As Low As
As Low As; Limited time offer; $500 - $20,000; Other restrictions may apply. Contact 1st Advantage Federal Credit Union for complete details.
No additional details available.
Maximum Amount: $10,000
No additional details available.
No additional details available.
As low as
Approximate loan payment is $373.39 on a $15,000 signature loan at 9.00% and a 48 month term. Rates are subject to change without notice. The rate will be based on creditworthiness, term of the loan, and value of collateral offered to the amount of the loan.
No additional details available.
As low as
No additional details available.
Fixed APR as low as; All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
As low as
No additional details available.
No additional details available.
Maximum Amount: $10,000
Up to $50,000
As Low As; Payment Example: $106.21 (based on $5,000)
APR range: 9.99% - 17.99%
No additional details available.
No additional details available.
Maximum Amount: $10,000
As Low As; $500 and up
No additional details available.
No additional details available.
3X Points on Gas, 2X Points on Groceries, 1 Point on Everything Else. Credit Lines up to $50,000. Complimentary 24-hour Visa Signature Concierge Service. Redeem points for cash, gift cards, travel and more.
Variable APR*; Rates as Low As: 13.49%
Howardsville, VA Personal Loan Rate Trends
Compare local Howardsville, VA 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.
Virginia personal loan rates rose 0.697 points over the past 7 days to 11.793% APR.
Virginia signature loan rates currently average 10.632% APR.
Howardsville, VA Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Virginia figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current VA average personal loan APR of 11.79%, across the terms lenders serving Howardsville, Virginia most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $234.88/mo | $165.58/mo | $131.16/mo | $110.70/mo |
| $10,000 | $469.77/mo | $331.15/mo | $262.32/mo | $221.40/mo |
| $15,000 | $704.65/mo | $496.73/mo | $393.48/mo | $332.10/mo |
| $25,000 | $1,174.42/mo | $827.89/mo | $655.81/mo | $553.50/mo |
| $35,000 | $1,644.19/mo | $1,159.04/mo | $918.13/mo | $774.90/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Howardsville, Virginia
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the VA personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (VA average) | 11.79% | $393.48 | $3,887 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,263 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,797 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,389 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Howardsville, Virginia
Prequalify With a Soft Credit Check
Most lenders serving Howardsville, Virginia will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Virginia data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Howardsville, Virginia auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Howardsville, Virginia high-yield savings account costs nothing and earns interest instead of paying it
Virginia Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $393 monthly loan payment is roughly 9.2% of the median individual income in Virginia. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Howardsville, Virginia.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current VA average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Howardsville, Virginia 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 Howardsville, Virginia 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 Howardsville, Virginia. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in VA.
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 Virginia?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Virginia?
Are credit unions or banks better for personal loans in Howardsville, Virginia?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Howardsville, Virginia?
- Richmond Virginia Fire Police Credit Union: 6.75% (Unsecured/Personal Loans)
- InFirst Federal Credit Union: 6.99% (Personal Loan)
- Member One Federal Credit Union: 6.99% (Personal Loan)
- Signal Financial Federal Credit Union: 6.99% (Signature Loan)
- Arlington Community Federal Credit Union: 6.99% (Personal Loan)
Howardsville, Virginia Rates & Resources
Personal Loan Calculators
