Best Personal Loan Rates in Richmond, 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 Richmond, Virginia include: Hopewell Chemical Federal Credit UnionHopewell Chemical Federal Credit Union2000 Richmond Hwy, Richmond, VA, 23224 7608A+5.0 ★Texas Ratio: 1.22% offering Tractors Loan at 5.25% APR, 1st Advantage Federal Credit Union1st Advantage Federal Credit Union1204 Broad Rock Blvd, Richmond, VA, 23224 4916A+5.0 ★Texas Ratio: 2.69% offering Credit Builder Loan at 6.25% APR, Virginia Credit UnionVirginia Credit Union4001 Lauderdale Dr, Richmond, VA, 23233A5.0 ★Texas Ratio: 6.07% offering Personal Loans at 6.99% APR, Richmond Virginia Fire Police Credit UnionRichmond Virginia Fire Police Credit Union900 Hermitage Rd, Richmond, VA, 23220 2001A+5.0 ★Texas Ratio: 2.30% offering Unsecured/Personal Loans Up to 12 Months at 7.15% APR, and Credit Union of RichmondCredit Union of Richmond1601 Ownby Ln, Richmond, VA, 23220A+5.0 ★Texas Ratio: 0.59% offering Personal Loan at 7.49% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Richmond has 11 local institutions in our database, with personal loan rates as low as 5.25% APR from Hopewell Chemical Federal Credit Union at 2000 Richmond Hwy, Richmond, VA, 23224 7608. 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 Richmond, Virginia.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Richmond, 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 23, 2026
Richmond Personal Loan Rates
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As Low As; Must be a new personal loan not a refinance of a VACU loan to receive the discounted 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.
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Regular APR: 9.99% to 18.00%
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above dividend rate earned by 12 Month Share Certificate
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up to 180 months
up to 240 months
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$1,500
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As Low As; Loan Amount: $500 - $25,000
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As Low As; Regular APR: 10.090%
30-Year Rates As Low As; Primary Residence
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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.
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As Low As; Rate effective as of 05/21/2026. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us, and a 3.0% discount for personal loans. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 6.99% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 6.99% is the minimum APR offered which includes maximum discounts. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $239.39 at 6.99% APR with a 48 month term. Other options are available with APR based on loan amount, repayment method, term and other factors. This example is an estimate only and assumes all payments are made on time.
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Maximum Amount: $10,000
As Low As; - $50,000 maximum loan amount
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As Low As; up to $20,000
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As Low As; Lowest rate available with qualifying credit. Your rate is based on creditworthiness.
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3-year ARM
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Richmond Personal Loan Rates
As Low As; Must be a new personal loan not a refinance of a VACU loan to receive the discounted 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.
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Regular APR: 9.99% to 18.00%
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As Low As; Maximum $3,000
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As Low As; Loan Amount: $500 - $25,000
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As Low As; Rate effective as of 05/21/2026. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us, and a 3.0% discount for personal loans. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 6.99% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 6.99% is the minimum APR offered which includes maximum discounts. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $239.39 at 6.99% APR with a 48 month term. Other options are available with APR based on loan amount, repayment method, term and other factors. This example is an estimate only and assumes all payments are made on time.
As Low As
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Richmond Debt Consolidation Loan Rates
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; Limited time offer
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Richmond Signature Loan Rates
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As Low As; Limited time offer
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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.
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Richmond, VA Personal Loan Rate Trends
Compare local Richmond, 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 0.194 points over the past 7 days to 10.689% APR.
Virginia signature loan rates rose 0.055 points over the past 7 days to 9.789% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Richmond, 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 Richmond, 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 Richmond, 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 Richmond, Virginia?
What are the best personal loan rates in Richmond, Virginia?
- Hopewell Chemical Federal Credit Union: 5.25% (Tractors Loan)
- 1st Advantage Federal Credit Union: 6.25% (Credit Builder Loan)
- Virginia Credit Union: 6.99% (Personal Loans)
- Richmond Virginia Fire Police Credit Union: 7.15% (Unsecured/Personal Loans Up to 12 Months)
- Credit Union of Richmond: 7.49% (Personal Loan)
Personal Loan Calculators
