Best Personal Loan Rates in Portsmouth, Virginia (VA) - May 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 Portsmouth, Virginia include: Summit Hampton Roads Federal Credit UnionSummit Hampton Roads Federal Credit Union3636 High St, Portsmouth, VA, 23707A5.0 ★Texas Ratio: 7.11% offering Personal Loans Up to 36 Months A at 8.00% APR, Chartway Credit UnionChartway Credit Union801 Crawford St, Portsmouth, VA, 23704 3822A+5.0 ★Texas Ratio: 1.26% offering Personal Loans at 8.24% APR, Northern Star Credit UnionNorthern Star Credit Union5100 George Washington Hwy, Portsmouth, VA, 23702A+5.0 ★Texas Ratio: 1.31% offering Personal Loans at 10.99% APR, ABNB Federal Credit UnionABNB Federal Credit Union4000 Coast Guard Blvd, Portsmouth, VA, 23703A5.0 ★Texas Ratio: 10.06% offering Personal Loan at 11.24% APR, and Newport News Shipbuilding Employees Credit UnionNewport News Shipbuilding Employees Credit Union1241 Frederick Blvd, Portsmouth, VA, 23707A+5.0 ★Texas Ratio: 4.82% offering Personal Loan at 12.24% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Portsmouth has 5 local institutions in our database, with personal loan rates as low as 8.00% APR from Summit Hampton Roads Federal Credit Union at 3636 High St, Portsmouth, VA, 23707. 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 Portsmouth, Virginia.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Portsmouth, 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: May 12, 2026
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above dividend rate earned by 12 Month Share Certificate
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up to 240 months
up to 180 months
As Low As; 60 month fixed rate. Offer available for a limited time. Up to 80% Loan to Value.
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$1,500
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As Low As; Primary Residence
As Low As; 120 month fixed rate. Offer available for a limited time. Up to 90% Loan to Value.
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As Low As; Special fixed up to 15 months!
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As Low As; Borrow up to $25,000
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As Low As; Regular APR: 10.090%
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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Limited Time Offer (subject to credit qualification)
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As Low As; 37-48 months
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As Low As; Fixed up to 36 months
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Maximum Amount: $10,000
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As Low As; Lowest rate available with qualifying credit. Your rate is based on creditworthiness.
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As Low As; - $50,000 maximum loan amount
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As Low As; 49-66 months
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As Low As; Initial 5 year fixed rate
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As Low As; for up to 36 months on loans from $500 to $20,000. Simplify multiple payments into one and start saving on interest. Funds are paid directly to your creditors for a streamlined payoff process. Take control of your debt.
As Low As; for up to 36 months on loans from $500 to $20,000. Simplify multiple payments into one and start saving on interest. Funds are paid directly to your creditors for a streamlined payoff process. Take control of your debt.
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As Low As; Loan Amount $500-$40,000
Maximum Amount: $10,000
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As Low As; - $50,000 maximum loan amount
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Up To 84 Month Term
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As Low As; Fixed up to 60 months
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Maximum Amount: $10,000
$50,000
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As Low As; Amount: $500 - $15,000; Term: Up to 24 months
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Regular APR: 9.99% to 18.00%
As Low As; - $50,000 maximum loan amount
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As Low As; Up to $50,000
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As Low As; Amount: $500 - $15,001; Term: Up to 36 months
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As Low As; Special fixed up to 15 months!
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As Low As; Fixed up to 36 months
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As Low As; - $50,000 maximum loan amount
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As Low As; for up to 36 months on loans from $500 to $20,000. Simplify multiple payments into one and start saving on interest. Funds are paid directly to your creditors for a streamlined payoff process. Take control of your debt.
As Low As; for up to 36 months on loans from $500 to $20,000. Simplify multiple payments into one and start saving on interest. Funds are paid directly to your creditors for a streamlined payoff process. Take control of your debt.
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As Low As; Loan Amount $500-$40,000
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As Low As; - $50,000 maximum loan amount
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Up To 84 Month Term
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As Low As; Fixed up to 60 months
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$50,000
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As Low As; Amount: $500 - $15,000; Term: Up to 24 months
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Regular APR: 9.99% to 18.00%
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As Low As; Amount: $500 - $15,001; Term: Up to 36 months
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As Low As; for up to 36 months on loans from $500 to $20,000. Simplify multiple payments into one and start saving on interest. Funds are paid directly to your creditors for a streamlined payoff process. Take control of your debt.
As Low As; for up to 36 months on loans from $500 to $20,000. Simplify multiple payments into one and start saving on interest. Funds are paid directly to your creditors for a streamlined payoff process. Take control of your debt.
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As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
As Low As; Up to 36 months
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As Low As; 37-48 months
Maximum Amount: $10,000
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As Low As; 49-66 months
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Maximum Amount: $10,000
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Maximum Amount: $10,000
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Portsmouth, VA Personal Loan Rate Trends
Compare local Portsmouth, 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 0.219 points over the past 7 days to 10.807% APR.
Virginia signature loan rates rose 0.103 points over the past 7 days to 9.695% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Portsmouth, 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 Portsmouth, 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 Portsmouth, 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 Portsmouth, Virginia?
What are the best personal loan rates in Portsmouth, Virginia?
- Summit Hampton Roads Federal Credit Union: 8.00% (Personal Loans Up to 36 Months A)
- Chartway Credit Union: 8.24% (Personal Loans)
- Northern Star Credit Union: 10.99% (Personal Loans)
- ABNB Federal Credit Union: 11.24% (Personal Loan)
- Newport News Shipbuilding Employees Credit Union: 12.24% (Personal Loan)
Personal Loan Calculators
