Best Personal Loan Rates in Lynchburg, Virginia - 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 Lynchburg, Virginia include: General Electric Employees Federal Credit UnionGeneral Electric Employees Federal Credit Union2300 Wards Rd Ste E, Lynchburg, VA, 24502A5.0 ★Texas Ratio: 7.96% offering Personal Loan at 6.50% APR, Member One Federal Credit UnionMember One Federal Credit Union7114 Timberlake Rd, Lynchburg, VA, 24502 2335A+5.0 ★Texas Ratio: 4.86% offering Personal Loan at 6.99% APR, Beacon Credit Union IncorporatedBeacon Credit Union Incorporated6320 Logans Ln, Lynchburg, VA, 24502A+5.0 ★Texas Ratio: 1.82% offering Blue Loan at 8.00% APR, Blue Eagle Credit UnionBlue Eagle Credit Union1210 Greenview Dr, Lynchburg, VA, 24502A+5.0 ★Texas Ratio: 0.28% offering Personal Loan at 9.00% APR, and KEMBA ROANOKEKEMBA ROANOKE6001 FORT AVE, LYNCHBURG, VA, 24502A+5.0 ★Texas Ratio: 2.97% offering Personal Loans at 10.55% APR. Personal loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Lynchburg has 5 local institutions in our database, with personal loan rates as low as 6.50% APR from General Electric Employees Federal Credit Union at 2300 Wards Rd Ste E, Lynchburg, VA, 24502. 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 Lynchburg, Virginia.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lynchburg, 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: July 11, 2026
Lynchburg Personal Loan Rates
As Low As; Special fixed
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As Low As; Variable; $500 to $3,000
No additional details available.
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As Low As; Variable; $5,000 to $20,000
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As Low As; Variable; $5,000 to $20,000
Annual Percentage Rate As Low As
Annual Percentage Rate As Low As
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Annual Percentage Rate As Low As
As Low As; Minimum Loan Amount: $10,000; Sample Monthly Payment for $20,000†: $454.18
As Low As; Minimum Loan Amount: $10,000; Sample Monthly Payment for $20,000†: $371.86
As Low As; Sample Monthly Payment for $20,000†: $593.96
As Low As; Minimum Loan Amount: $20,000; Sample Monthly Payment for $20,000†: $317.94
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
As Low As
As Low As; Sample Monthly Payment for $20,000†: $597.53
As Low As; Minimum Loan Amount: $10,000; Sample Monthly Payment for $20,000†: $458.69
As Low As; Minimum Loan Amount: $10,000; Sample Monthly Payment for $20,000†: $376.42
Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $20,000; Sample Monthly Payment for $20,000†: $322.56
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
Amount: Up to $2000
Maximum LTV: 90% LTV
As Low As
As Low As
No additional details available.
Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $10,000; Sample Monthly Payment for $20,000†: $463.22
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
As low as $30.20
As Low As; Minimum Loan Amount: $10,000; Sample Monthly Payment for $20,000†: $382.39
As Low As; Minimum Loan Amount: $35,000; Sample Monthly Payment for $20,000†: $287.88
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
As Low As
As Low As; 100% Retail
As Low As
No additional details available.
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $20,000; Sample Monthly Payment for $20,000†: $329.48
No additional details available.
Up to $100,000
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $35,000; Sample Monthly Payment for $20,000†: $292.65
As Low As; Maximum $3,000
Maximum LTV: 90% LTV
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
As Low As; $500 - $1,000
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
No additional details available.
No additional details available.
As Low As; Minimum Loan Amount: $5,000
As Low As; Loan Amount: $500 - $25,000
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Fixed Rate
Maximum LTV: 90% LTV
As Low As; Fixed APR
As Low As
No additional details available.
As Low As; Loan Amounts: $1,000-$1,500
As Low As; Unsecured, Bill Consolidation, Signature
As Low As; APR
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As Low As
No additional details available.
Maximum Financed: $8,000. Annual Percentage Rate. No discounts apply. Terms and conditions vary based on creditworthiness and other qualifications and are subject to change. A $8,000, 48 month, at 7% Annual Percentage Rate (APR) will have estimated monthly payments of $192.12
Up to $250,000
As Low As; Minimum Loan Amount: $7,000
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
As Low As; View Loan Rates
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As Low As; APR
As Low As; Minimum Loan Amount: $35,000; Sample Monthly Payment for $20,000†: $304.30
As Low As; APR
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As Low As; Rates as low as 7.49% APR.
As Low As; Personal Loan Rates
As Low As
No additional details available.
As Low As; APR
As Low As; quick funding, no application fees, and no payment for 45 days
As Low As; Fixed APR
As Low As
Minimum: $250; Maximum: $125,000
Limits: $500-$50,000
No additional details available.
Minimum: $250; Maximum: $125,000
As Low As; Personal Loan Rates
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As Low As; $50,000 maximum loan amount
As Low As; $50,000 maximum loan amount
No additional details available.
As Low As; Loan Amounts: $3,001-$6,500
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Amount Financed: up to $20,000
Loan Amount: $500+
Amount: Up to 100%
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As Low As; Maximum APR: 18.00%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Total rate discounts cannot exceed 1.50%.
As Low As
No additional details available.
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
No additional details available.
As Low As; APR
As Low As; Minimum Loan Amount: $50,000; Sample Monthly Payment for $20,000†: $283.65
As Low As
Loan Amount: $2,500+
As Low As
APR as low as
Minimum: $250; Maximum: $125,000
Fixed Rate
As Low As; Please call RVA Financial at (804) 359-8754 for our most current rates.
Minimum: $250; Maximum: $125,000
As Low As; Personal Loan Rates
No additional details available.
Loan Amount: $3,000+
As Low As; Minimum Loan Amount: $50,000; Sample Monthly Payment for $20,000†: $288.77
As Low As; Fixed APR
As Low As; $500 - $20,000; Limited time offer
As Low As; APR = Annual Percentage Rate. Disclosure
As Low As; APR = Annual Percentage Rate.
No additional details available.
No additional details available.
As Low As; APRs ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.
No additional details available.
As Low As; Loan Amount: $500-$40,000
Loan Amount: $5,000+
APR reflects 0.25% discount for automatic payment made from member's LFCU account and established qualified direct deposit into member's LFCU checking account. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.Share Secured APR based on dividend tier at time of origination and is adjusted with dividend rate. Monthly minimum payment is $30 per $1,000 borrowed.
As Low As
No additional details available.
As Low As; *
As Low As; Personal Loan Rates
No additional details available.
As Low As; Loan Amounts: $1,000
As Low As; Loan Amounts: $6,501-$10,000
As Low As; $50,000 maximum loan amount
As Low As; $50,000 maximum loan amount
As Low As; Unsecured, Bill Consolidation, Signature
Lynchburg Personal Loan Rates
As Low As; Special fixed
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No additional details available.
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Annual Percentage Rate As Low As
Annual Percentage Rate As Low As
Annual Percentage Rate As Low As
Amount: Up to $2000
As low as $30.20
As Low As; Maximum $3,000
As Low As; Loan Amount: $500 - $25,000
As Low As; Fixed APR
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As Low As
As Low As; Loan Amounts: $1,000-$1,500
As Low As; Unsecured, Bill Consolidation, Signature
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As Low As; Personal Loan Rates
As Low As; Rates as low as 7.49% APR.
As Low As; quick funding, no application fees, and no payment for 45 days
As Low As; Fixed APR
Minimum: $250; Maximum: $125,000
Minimum: $250; Maximum: $125,000
As Low As; $50,000 maximum loan amount
As Low As; $50,000 maximum loan amount
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As Low As; Loan Amounts: $3,001-$6,500
As Low As; Personal Loan Rates
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
Loan Amount: $500+
As Low As
Loan Amount: $2,500+
APR as low as
Minimum: $250; Maximum: $125,000
Fixed Rate
Loan Amount: $3,000+
As Low As; Personal Loan Rates
As Low As; Please call RVA Financial at (804) 359-8754 for our most current rates.
Minimum: $250; Maximum: $125,000
As Low As; Fixed APR
As Low As; APR = Annual Percentage Rate. Disclosure
As Low As; APR = Annual Percentage Rate.
No additional details available.
As Low As; Loan Amount: $500-$40,000
As Low As; APRs ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.
Loan Amount: $5,000+
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As Low As; Personal Loan Rates
As Low As; Loan Amounts: $6,501-$10,000
As Low As; $50,000 maximum loan amount
As Low As; $50,000 maximum loan amount
As Low As; Unsecured, Bill Consolidation, Signature
Lynchburg Debt Consolidation Loan Rates
As Low As; $500 - $20,000; Limited time offer
No additional details available.
No additional details available.
Lynchburg Signature Loan Rates
As Low As
No additional details available.
Maximum Financed: $8,000. Annual Percentage Rate. No discounts apply. Terms and conditions vary based on creditworthiness and other qualifications and are subject to change. A $8,000, 48 month, at 7% Annual Percentage Rate (APR) will have estimated monthly payments of $192.12
As Low As; View Loan Rates
As Low As
As Low As
No additional details available.
As Low As; Maximum APR: 18.00%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Total rate discounts cannot exceed 1.50%.
Amount Financed: up to $20,000
As Low As; $500 - $20,000; Limited time offer
No additional details available.
APR reflects 0.25% discount for automatic payment made from member's LFCU account and established qualified direct deposit into member's LFCU checking account. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.Share Secured APR based on dividend tier at time of origination and is adjusted with dividend rate. Monthly minimum payment is $30 per $1,000 borrowed.
No additional details available.
Lynchburg, VA Personal Loan Rate Trends
Compare local Lynchburg, 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 fell 0.014 points over the past 7 days to 10.778% APR.
Virginia signature loan rates fell 0.100 points over the past 7 days to 9.624% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lynchburg, 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 Lynchburg, 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 Lynchburg, 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 Lynchburg, Virginia?
What are the best personal loan rates in Lynchburg, Virginia?
- General Electric Employees Federal Credit Union: 6.50% (Personal Loan)
- Member One Federal Credit Union: 6.99% (Personal Loan)
- Beacon Credit Union Incorporated: 8.00% (Blue Loan)
- Blue Eagle Credit Union: 9.00% (Personal Loan)
- KEMBA ROANOKE: 10.55% (Personal Loans)
Personal Loan Calculators
