Richardsville, Virginia Best Personal Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Richardsville, Virginia personal loan rates from lenders serving Virginia range from 6.50% to 11.35% APR, verified by MonitorBankRates as of October 23, 2026. Current personal loan options available to borrowers in Richardsville, Virginia include: General Electric Employees Federal Credit UnionGeneral Electric Employees Federal Credit UnionA5.0 ★Texas Ratio: 8.00%Rate verified Oct 23, 2026 offering Personal Loan - Special Fixed at 6.50% APR, Congressional Federal Credit UnionCongressional Federal Credit UnionA5.0 ★Texas Ratio: 8.63%Rate verified Oct 23, 2026 offering Personal Loan at 6.69% APR, Self-Help Credit UnionSelf-Help Credit UnionA5.0 ★Texas Ratio: 6.44%Rate verified Oct 22, 2026 offering Solar Loans at 6.75% APR, Richmond Virginia Fire Police Credit UnionRichmond Virginia Fire Police Credit UnionA+5.0 ★Texas Ratio: 1.81%Rate verified Oct 19, 2026 offering Unsecured/Personal Loans at 6.75% APR, and NY FIREFIGHTERS BRAVESTNY FIREFIGHTERS BRAVESTA+5.0 ★Texas Ratio: 2.75%Rate verified Oct 22, 2026 offering Personal/Unsecured/Debt Consolidation Loan at 6.84% APR. Personal loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
Richardsville borrowers have access to 75 lenders serving the Virginia area, with personal loan rates as low as 6.50% APR from General Electric Employees Federal 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 Richardsville, Virginia.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Richardsville, 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: October 23, 2026
Richardsville Personal Loan Rates
As Low As; Special fixed up to 15 months
As Low As; Minimum of $30,000 loan
Today's Rates; Range: 6.75% to 15.00% APR
As Low As; Rates increase 0.25% if no autopay
As Low As; New electronics, home renovations, catch up on bills.
As Low As
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
APR range: 6.99% to 15.99%; Effective as of: 06/30/2026
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
Annual Percentage Rate range: 7.00%-14.00%
As Low As; Rate effective as of 10/19/2026. Repay in a minimum of 3 months to a maximum of 60 months. Rates range between 7.24% to a maximum APR of 18.00%.
As Low As; Rates increase 0.25% if no autopay
Published APR range: 7.49% - 18.00%. Amount: $1,000 - $50,000; Fixed Rate
Published APR range: 7.49% - 18.00%. Amount: $1,000 - $50,000; Fixed Rate
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
As Low As
As Low As; Fixed up to 36 months
As Low As; Fixed APR
As Low As; Loan Amounts: $1,000-$1500; Rates Effective: October 6, 2026
- Oct 8, 20267.74%▲ from 6.99%
- Sep 17, 20266.99%first recorded
As Low As; Financing: Up to $50,000
As Low As; Rates increase 0.25% if no autopay
Maximum Amount: $10,000
As Low As; Loan Amount: $500+; Rate effective as of October 1, 2026
As Low As; Loan Amount: Up to $40,000.00; Maximum APR: 18.00%; Includes discounts for automatic payment and Member Loyalty Program, total discounts cannot exceed 1.50%
As Low As; Amount Financed: up to $20,000
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
APR range: 7.99% to 17.99%
As Low As; Rates increase 0.25% if no autopay
As Low As
Best rate listed assumes top-tier credit and 0.75% Discount Program discount; APR as printed in Personal Loan Options table, rates effective October 1, 2026
Credit Grade: A
As Low As; Loan Amount: $2,500+; Rate effective as of October 1, 2026
Published APR range: 8.24% - 18.00%. Other Loan Types
As Low As; Loan Amount: $3,000+; Rate effective as of October 1, 2026
As Low As; APR includes .25% automatic payment and direct deposit rate discount; minimum $200 monthly direct deposit required; rate based on evaluation of applicant's credit
As Low As; Rates at a glance; Listed APRs assume excellent credit and include discounts; rate effective as of 03/01/2026
As Low As; $50,000 maximum loan amount
As Low As; Rates increase 0.25% if no autopay
As Low As
As Low As
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Fixed APR
As Low As; Limited time offer; Loan amounts $500 - $20,000 based on creditworthiness; Credit score 720+ up to $20,000, 700-719 up to $15,000, 670-699 up to $10,000; Minimum credit score 670; Proceeds used for debt consolidation only and paid directly to creditors
As Low As; Loan Amounts: $3,001-$6,500; Rates Effective: October 6, 2026
- Oct 8, 20268.74%▲ from 7.99%
- Sep 12, 20267.99%first recorded
Category: Unsecured Loans; APR range: 8.75% - 17.75%; APR based on creditworthiness, term, loan-to-value, age of collateral and debt-to-income
As Low As; APR as low as 8.75%
As Low As; APR as low as 8.75%
As Low As; APR as low as 8.75%
As Low As; APR = Annual Percentage Rate
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Unsecured signature loan
Maximum Amount: $10,000
As Low As; APR range 8.90% to 17.90% for 24-60 month terms; loans from $500 to $20,000
APR range: 8.95% - 17.95%; relationship discounts may apply, floor rate 2.75% APR
As Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
Amount: $500 - $50,000; Stated APR is the lowest rate available for qualified members; Actual rate may be higher based on income, credit worthiness, and extended loan terms; APR reflects 0.25% discount for automatic payment and qualified direct deposit
Amount: $500 - $50,000; Stated APR is lowest rate for qualified members; includes 0.25% discount for automatic payment and qualified direct deposit; effective September 23, 2026
As Low As; Rate current as of October 1, 2026; Personal loans available as low as 8.99% APR for qualified borrowers; Rates subject to credit score
As Low As; Unsecured signature loan
As Low As
As Low As
As Low As
APR range: 9.00 to 17.00%; Borrowed Amount: $300 - $20,000
As Low As; Monthly payment example: $211.26 for $10,000 at 9.75% APR for 60 months (Oct 1, 2026)
- Oct 4, 20269.25%▲ from 9.00%
- Sep 25, 20269.00%first recorded
As Low As
As Low As
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $45.93; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
As Low As; APR includes .25% automatic payment and direct deposit rate discount; minimum $200 monthly direct deposit required; rate based on evaluation of applicant's credit
As Low As; $50,000 maximum loan amount
As Low As; APR up to 20.69%
As Low As
As Low As
- Oct 4, 20269.50%▲ from 9.25%
- Sep 25, 20269.25%first recorded
APR Range: 9.50% - 18.00%; Personal Loans; Rate and term vary based on credit history
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $32.16; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As; Fixed up to 60 months
As Low As; Fixed APR
As Low As; Loan Amounts: $6,501-$10,000; Rates Effective: October 6, 2026
- Oct 8, 20269.74%▲ from 8.99%
- Sep 12, 20268.99%first recorded
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As
- Oct 4, 20269.75%▲ from 9.50%
- Sep 25, 20269.50%first recorded
As Low As; Rates quoted assume excellent borrower credit history
Published APR range: 9.75% - 17.99%. APR range; Rates Effective 09/01/2026
Maximum Amount: $10,000
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $25.37; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As
As Low As; Up to $50,000
Published APR range: 9.99% - 16.99%. Rates effective as of 10/20/2026
Amount Financed: $21,000.00; Credit Grade: Rate based on evaluation of credit history
As Low As; Quoted rates are lowest available and may be higher; rates depend on credit criteria, term, amount financed, loan to value, mileage and other factors; credit union floor rate 4.50% APR
As Low As; No collateral required. Up to 35 months to repay.
Maximum loan amount: $50,000; Maximum APR: 18.00%
- Oct 15, 20269.99%▼ from 18.00%
- Sep 17, 202618.00%first recorded
As Low As; APR as low as 9.99%; actual rate will vary depending on applicant's credit ratings and length of loan term
As Low As; Max Term of Loan: 60 months; Personal loans in A or B tier may have up to .25% buy down rate
As Low As; Amount: $500 - $15,000
Range: 9.99% - 13.99%; Not all borrowers will qualify for the lowest interest rate
As Low As; Effective August 1, 2026; Payment Example: $106.21 (based on $5,000)
APR range: 9.99% - 17.99%; Rate based on creditworthiness
As Low As; Final APR determined after application and credit profile review
Credit Grade: A
Other Loans
Published APR range: 10.00% - 21.00%. Loan amount: $5,000 and less; Rate based on credit worthiness
Unsecured (Signature) Loans; APR based on creditworthiness and term of loan
As Low As
As Low As; Personal loan rates as low as 10.24% APR, which includes a 0.25% discount for enrolling in automatic payments. Disclosure states APR may be as low as 10.24% or as high as 18.49%. Loan amounts $2,000 to $30,000; up to $50,000 for eligible existing Citi customers.
- Oct 14, 202610.24%▲ from 9.99%
- Sep 18, 20269.99%first recorded
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $21.38; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As; Amount: $500 - $15,001
As Low As
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $18.79; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As
As Low As; Rates as of 6/24/22
As Low As; Rates as of 6/24/22
As Low As; Rates as of 6/24/22
As Low As; $50,000 maximum loan amount
As Low As; Fixed APR
As Low As; Final APR determined after application and credit profile review
Daily Periodic Rate: .0288
As Low As; Starting at; Featured rate card on page
- Oct 5, 202610.50%▲ from 10.25%
- Sep 14, 202610.25%first recorded
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Fixed APR
As Low As; Loan Amounts: $10,001-$20,000; Rates Effective: October 6, 2026
- Oct 8, 202610.74%▲ from 9.99%
- Sep 12, 20269.99%first recorded
As Low As; Amount: $500 - $15,002
As Low As; Unsecured signature loan
As Low As; APR as low as 10.75%
As Low As; APR = Annual Percentage Rate
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
Maximum Amount: $10,000
As Low As
As Low As; Unsecured Loans; APR as low as 10.99%; rates based on members' individual credit ratings
- Oct 4, 202610.99%▲ from 8.99%
- Sep 16, 20268.99%first recorded
APR range: 10.99% - 17.99%; Amount Financed: $15,000.00; Credit Grade: Rate based on evaluation of credit history
Maximum loan amount: $50,000; Maximum APR: 18.00%
- Oct 15, 202610.99%▼ from 18.00%
- Sep 17, 202618.00%first recorded
As Low As; Fixed APR
As Low As; Personal loans are unsecured
APR starting at; Approximate Payment Example: $543.64 (borrow $25,000)
As Low As; Final APR determined after application and credit profile review
As Low As; Rates shown are the as low as rates. Quoted rates upon approval may vary.
As Low As; Consumer Loan Rates effective October 1, 2026; Risk-based pricing applies
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $17.00; *APR = Annual Percentage Rate; **If eligible for all possible discounts
APR range 11.24% - 18.00%; APR varies according to credit history of applicant(s); all loans subject to approval
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Rates shown are the as low as rates. Quoted rates upon approval may vary.
Richardsville Personal Loan Rates
As Low As; Special fixed up to 15 months
As Low As; Minimum of $30,000 loan
As Low As; Rates increase 0.25% if no autopay
As Low As
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Rate effective as of 10/19/2026. Repay in a minimum of 3 months to a maximum of 60 months. Rates range between 7.24% to a maximum APR of 18.00%.
As Low As; Rates increase 0.25% if no autopay
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As
As Low As; Fixed up to 36 months
As Low As; Fixed APR
As Low As; Loan Amounts: $1,000-$1500; Rates Effective: October 6, 2026
- Oct 8, 20267.74%▲ from 6.99%
- Sep 17, 20266.99%first recorded
As Low As; Financing: Up to $50,000
As Low As; Rates increase 0.25% if no autopay
As Low As; Loan Amount: $500+; Rate effective as of October 1, 2026
APR range: 7.99% to 17.99%
As Low As; Rates increase 0.25% if no autopay
As Low As
Best rate listed assumes top-tier credit and 0.75% Discount Program discount; APR as printed in Personal Loan Options table, rates effective October 1, 2026
Credit Grade: A
As Low As; Loan Amount: $2,500+; Rate effective as of October 1, 2026
As Low As; Loan Amount: $3,000+; Rate effective as of October 1, 2026
As Low As; APR includes .25% automatic payment and direct deposit rate discount; minimum $200 monthly direct deposit required; rate based on evaluation of applicant's credit
As Low As; Rates at a glance; Listed APRs assume excellent credit and include discounts; rate effective as of 03/01/2026
As Low As; $50,000 maximum loan amount
As Low As; Rates increase 0.25% if no autopay
As Low As
As Low As
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Fixed APR
As Low As; Loan Amounts: $3,001-$6,500; Rates Effective: October 6, 2026
- Oct 8, 20268.74%▲ from 7.99%
- Sep 12, 20267.99%first recorded
As Low As; APR as low as 8.75%
As Low As; APR as low as 8.75%
As Low As; APR as low as 8.75%
As Low As; APR = Annual Percentage Rate
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; APR range 8.90% to 17.90% for 24-60 month terms; loans from $500 to $20,000
APR range: 8.95% - 17.95%; relationship discounts may apply, floor rate 2.75% APR
As Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
Amount: $500 - $50,000; Stated APR is the lowest rate available for qualified members; Actual rate may be higher based on income, credit worthiness, and extended loan terms; APR reflects 0.25% discount for automatic payment and qualified direct deposit
As Low As; Rate current as of October 1, 2026; Personal loans available as low as 8.99% APR for qualified borrowers; Rates subject to credit score
As Low As
As Low As
APR range: 9.00 to 17.00%; Borrowed Amount: $300 - $20,000
As Low As
As Low As
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $45.93; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As; Loan Amount: $5,000+; Rate effective as of October 1, 2026
As Low As; APR includes .25% automatic payment and direct deposit rate discount; minimum $200 monthly direct deposit required; rate based on evaluation of applicant's credit
As Low As; $50,000 maximum loan amount
As Low As; APR up to 20.69%
As Low As
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $32.16; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As; Fixed up to 60 months
As Low As; Fixed APR
As Low As; Loan Amounts: $6,501-$10,000; Rates Effective: October 6, 2026
- Oct 8, 20269.74%▲ from 8.99%
- Sep 12, 20268.99%first recorded
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As; Rates quoted assume excellent borrower credit history
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $25.37; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As
As Low As; No collateral required. Up to 35 months to repay.
Maximum loan amount: $50,000; Maximum APR: 18.00%
- Oct 15, 20269.99%▼ from 18.00%
- Sep 17, 202618.00%first recorded
As Low As; APR as low as 9.99%; actual rate will vary depending on applicant's credit ratings and length of loan term
As Low As; Max Term of Loan: 60 months; Personal loans in A or B tier may have up to .25% buy down rate
As Low As; Amount: $500 - $15,000
As Low As; Final APR determined after application and credit profile review
Credit Grade: A
Unsecured (Signature) Loans; APR based on creditworthiness and term of loan
As Low As
As Low As; Personal loan rates as low as 10.24% APR, which includes a 0.25% discount for enrolling in automatic payments. Disclosure states APR may be as low as 10.24% or as high as 18.49%. Loan amounts $2,000 to $30,000; up to $50,000 for eligible existing Citi customers.
- Oct 14, 202610.24%▲ from 9.99%
- Sep 18, 20269.99%first recorded
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $21.38; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As; Amount: $500 - $15,001
As Low As
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $18.79; *APR = Annual Percentage Rate; **If eligible for all possible discounts
As Low As
As Low As; Rates as of 6/24/22
As Low As; Rates as of 6/24/22
As Low As; Rates as of 6/24/22
As Low As; $50,000 maximum loan amount
As Low As; Fixed APR
As Low As; Final APR determined after application and credit profile review
As Low As; Starting at; Featured rate card on page
- Oct 5, 202610.50%▲ from 10.25%
- Sep 14, 202610.25%first recorded
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Fixed APR
As Low As; Loan Amounts: $10,001-$20,000; Rates Effective: October 6, 2026
- Oct 8, 202610.74%▲ from 9.99%
- Sep 12, 20269.99%first recorded
As Low As; Amount: $500 - $15,002
As Low As; APR as low as 10.75%
As Low As; APR = Annual Percentage Rate
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As
As Low As; Unsecured Loans; APR as low as 10.99%; rates based on members' individual credit ratings
- Oct 4, 202610.99%▲ from 8.99%
- Sep 16, 20268.99%first recorded
Maximum loan amount: $50,000; Maximum APR: 18.00%
- Oct 15, 202610.99%▼ from 18.00%
- Sep 17, 202618.00%first recorded
As Low As; Fixed APR
As Low As; Personal loans are unsecured
As Low As; Final APR determined after application and credit profile review
As Low As; Consumer Loan Rates effective October 1, 2026; Risk-based pricing applies
As Low As; Loan amounts: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $17.00; *APR = Annual Percentage Rate; **If eligible for all possible discounts
APR range 11.24% - 18.00%; APR varies according to credit history of applicant(s); all loans subject to approval
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
Richardsville Debt Consolidation Loan Rates
As Low As; New electronics, home renovations, catch up on bills.
Published APR range: 7.49% - 18.00%. Amount: $1,000 - $50,000; Fixed Rate
As Low As; Limited time offer; Loan amounts $500 - $20,000 based on creditworthiness; Credit score 720+ up to $20,000, 700-719 up to $15,000, 670-699 up to $10,000; Minimum credit score 670; Proceeds used for debt consolidation only and paid directly to creditors
Category: Unsecured Loans; APR range: 8.75% - 17.75%; APR based on creditworthiness, term, loan-to-value, age of collateral and debt-to-income
As Low As; Quoted rates are lowest available and may be higher; rates depend on credit criteria, term, amount financed, loan to value, mileage and other factors; credit union floor rate 4.50% APR
Richardsville Signature Loan Rates
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
APR range: 6.99% to 15.99%; Effective as of: 06/30/2026
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
Maximum Amount: $10,000
As Low As; Loan Amount: Up to $40,000.00; Maximum APR: 18.00%; Includes discounts for automatic payment and Member Loyalty Program, total discounts cannot exceed 1.50%
As Low As; Amount Financed: up to $20,000
As Low As; Includes 0.25% Signal Smart Plus discount; add 0.25% for non-Smart Plus members
Published APR range: 8.24% - 18.00%. Other Loan Types
As Low As; Limited time offer; Loan amounts $500 - $20,000 based on creditworthiness; Credit score 720+ up to $20,000, 700-719 up to $15,000, 670-699 up to $10,000; Minimum credit score 670; Proceeds used for debt consolidation only and paid directly to creditors
As Low As; Unsecured signature loan
Maximum Amount: $10,000
Amount: $500 - $50,000; Stated APR is the lowest rate available for qualified members; Actual rate may be higher based on income, credit worthiness, and extended loan terms; APR reflects 0.25% discount for automatic payment and qualified direct deposit
Amount: $500 - $50,000; Stated APR is lowest rate for qualified members; includes 0.25% discount for automatic payment and qualified direct deposit; effective September 23, 2026
As Low As; Unsecured signature loan
As Low As; Monthly payment example: $211.26 for $10,000 at 9.75% APR for 60 months (Oct 1, 2026)
- Oct 4, 20269.25%▲ from 9.00%
- Sep 25, 20269.00%first recorded
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As
- Oct 4, 20269.50%▲ from 9.25%
- Sep 25, 20269.25%first recorded
APR Range: 9.50% - 18.00%; Personal Loans; Rate and term vary based on credit history
As Low As; Personal Loan Rates; Minimum personal loan amount $500; maximum $50,000
As Low As
- Oct 4, 20269.75%▲ from 9.50%
- Sep 25, 20269.50%first recorded
Published APR range: 9.75% - 17.99%. APR range; Rates Effective 09/01/2026
Maximum Amount: $10,000
As Low As; Up to $50,000
Published APR range: 9.99% - 16.99%. Rates effective as of 10/20/2026
Range: 9.99% - 13.99%; Not all borrowers will qualify for the lowest interest rate
As Low As; Effective August 1, 2026; Payment Example: $106.21 (based on $5,000)
APR range: 9.99% - 17.99%; Rate based on creditworthiness
Published APR range: 10.00% - 21.00%. Loan amount: $5,000 and less; Rate based on credit worthiness
Daily Periodic Rate: .0288
As Low As; Unsecured signature loan
Maximum Amount: $10,000
Richardsville, VA Personal Loan Rate Trends
Compare local Richardsville, 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 0.015 points over the past 7 days to 10.217% APR.
Virginia signature loan rates rose 0.128 points over the past 7 days to 9.670% APR.
Richardsville, 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 10.22%, across the terms lenders serving Richardsville, 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 | $231.23/mo | $161.85/mo | $127.33/mo | $106.77/mo |
| $10,000 | $462.45/mo | $323.69/mo | $254.67/mo | $213.54/mo |
| $15,000 | $693.68/mo | $485.54/mo | $382.00/mo | $320.31/mo |
| $25,000 | $1,156.13/mo | $809.23/mo | $636.67/mo | $533.85/mo |
| $35,000 | $1,618.58/mo | $1,132.92/mo | $891.34/mo | $747.39/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 Richardsville, 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) | 10.22% | $382.00 | $3,336 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,814 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,348 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,940 |
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 Richardsville, Virginia
Prequalify With a Soft Credit Check
Most lenders serving Richardsville, 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 Richardsville, 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 Richardsville, 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 $382 monthly loan payment is roughly 9.0% 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 Richardsville, 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 to 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 to 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 Richardsville, 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 Richardsville, 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 Richardsville, 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.
Personal Loans for Bad Credit in Richardsville, Virginia
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
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 Richardsville, 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?
Can I get a personal loan with bad credit in Richardsville, Virginia?
What is the maximum APR on a bad credit personal loan from a credit union?
What are the best personal loan rates in Richardsville, Virginia?
- General Electric Employees Federal Credit Union: 6.50% (Personal Loan - Special Fixed)
- Congressional Federal Credit Union: 6.69% (Personal Loan)
- Self-Help Credit Union: 6.75% (Solar Loans)
- Richmond Virginia Fire Police Credit Union: 6.75% (Unsecured/Personal Loans)
- NY FIREFIGHTERS BRAVEST: 6.84% (Personal/Unsecured/Debt Consolidation Loan)
Richardsville, Virginia Rates & Resources
Personal Loan Calculators
