Best Personal Loan Rates in Richmond, Virginia (VA) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Virginia borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Richmond, Virginia include: 1st Advantage Federal Credit Union1st Advantage Federal Credit Union1204 Broad Rock Blvd, Richmond, VA, 23224 4916A+5.0 ★Texas Ratio: 2.79% offering Credit Builder Loan at 6.25% APR, Hopewell Chemical Federal Credit UnionHopewell Chemical Federal Credit Union2000 Richmond Hwy, Richmond, VA, 23224 7608A+5.0 ★Texas Ratio: 1.24% offering Signature Loans at 6.99% APR, Virginia Credit UnionVirginia Credit Union4001 Lauderdale Dr, Richmond, VA, 23233A5.0 ★Texas Ratio: 6.74% offering Personal Loan 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: 2.32% offering Vacation Loan Promo at 7.00% APR, and Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit Union50 W Commerce Rd, Richmond, VA, 23224 2316A+5.0 ★Texas Ratio: 0.93% offering Signature Loan at 7.99% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Richmond has 10 local institutions in our database, with personal loan rates as low as 6.25% APR from 1st Advantage Federal Credit Union at 1204 Broad Rock Blvd, Richmond, VA, 23224 4916. 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: April 6, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Credit Builder Loan
6.25%
▼
APR6.25%
Last UpdatedApril 7, 2026
Details
As Low As
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
2000 Richmond Hwy, Richmond, VA, 23224 7608
Signature Loans
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
4001 Lauderdale Dr, Richmond, VA, 23233
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
900 Hermitage Rd, Richmond, VA, 23220 2001
Vacation Loan Promo
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
Limited Time Offer (subject to credit qualification)
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
7.15%
▼
APR7.15%
Last UpdatedApril 7, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
9030 Stony Point Pkwy, Richmond, VA, 23235
Unsecured Optionline Tier 1
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
8.15%
▼
APR8.15%
Last UpdatedApril 7, 2026
Details
As Low As
RVA Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1700 Robin Hood Rd, Richmond, VA, 23220
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 7, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Fixed Term Signature Loan Debt Consolidation Special
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
As Low As; Limited time offer
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Debt Consolidation Personal Loan Special
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
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.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Debt Consolidation Personal Loan
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
for up to 36 months on loans from $500 to $20,000
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
9.15%
▼
APR9.15%
Last UpdatedApril 7, 2026
Details
As Low As
Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
7700 Shrader Rd, Richmond, VA, 23228
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
Regular APR: 9.99% to 18.00%
Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
7700 Shrader Rd, Richmond, VA, 23228
Personal, Wedding, Vacation, Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 7, 2026
Details
As Low As
Argent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
400 N 8th St, Richmond, VA, 23219
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedApril 7, 2026
Details
As Low As
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
10.30%
▼
APR10.30%
Last UpdatedApril 7, 2026
Details
As Low As
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
9030 Stony Point Pkwy, Richmond, VA, 23235
Unsecured Optionline Tier 2
10.50%
▼
APR10.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 7, 2026
Details
As Low As
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
11.40%
▼
APR11.40%
Last UpdatedApril 7, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Fixed Term Signature Loan
11.49%
▼
APR11.49%
Last UpdatedApril 7, 2026
Details
As Low As
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
9030 Stony Point Pkwy, Richmond, VA, 23235
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 7, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
A short-term alternative to payday loans
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
As Low As
United Methodist Credit Union
Institution Rating:
F2.7 ★Texas Ratio: 42.14%
Organizational Shares/CD Pledge Loan
4.00%
▼
APR4.00%
Last UpdatedApril 7, 2026
Details
Share/CD rate plus 4% with a floor of 4.00%
APR4.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 7, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 7, 2026
Details
As Low As
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
Credit Builder Loan
5.00%
▼
APR5.00%
Last UpdatedApril 7, 2026
Details
above dividend rate earned by 12 Month Share Certificate
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Personal Loans
5.15%
▼
APR5.15%
Last UpdatedApril 7, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Medical Residency Refinance Loan
5.45%
▼
APR5.45%
Last UpdatedApril 7, 2026
Details
Fixed rates
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.61%
Bridge to Retirement Loan
5.49%
▼
APR5.49%
Last UpdatedApril 7, 2026
Details
No additional details available.
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
Personal
5.49%
▼
APR5.49%
Last UpdatedApril 7, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
Personal Loan Promotion
5.49%
▼
APR5.49%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.50%
Last UpdatedApril 7, 2026
Details
up to 180 months
APR5.50%
Last UpdatedApril 7, 2026
Details
up to 240 months
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Medical Residency Refinance Loan
5.51%
▼
APR5.51%
Last UpdatedApril 7, 2026
Details
Variable rates
APR5.51%
Last UpdatedApril 7, 2026
Details
Your interest rate and monthly payments can fluctuate during the repayment period.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Recreational Loans
5.70%
▼
APR5.70%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.91%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR5.99%
Last UpdatedApril 7, 2026
Details
Offer ends June 19, 2026.
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
5 Year Equity Loan Promotion1
5.99%
▼
APR5.99%
Last UpdatedApril 7, 2026
Details
As Low As; 60 month fixed rate. Offer available for a limited time. Up to 80% Loan to Value.
APR5.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Loan Special
6.00%
▼
APR6.00%
Last UpdatedApril 7, 2026
Details
$1,500
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Campus Bookstore Loan
6.15%
▼
APR6.15%
Last UpdatedApril 7, 2026
Details
As Low As; Maximum $3,000
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
VA Refi Loan
6.20%
▼
APR6.20%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR6.43%
Last UpdatedApril 7, 2026
Details
30-Year Rates As Low As; Primary Residence
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
Personal Loan Promotion
6.49%
▼
APR6.49%
Last UpdatedApril 7, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
10 Year Equity Loan Promotion2
6.49%
▼
APR6.49%
Last UpdatedApril 7, 2026
Details
As Low As; 120 month fixed rate. Offer available for a limited time. Up to 90% Loan to Value.
APR6.49%
Last UpdatedApril 7, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Credit Builder Loan
6.50%
▼
APR6.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedApril 7, 2026
Details
As Low As; Special fixed up to 15 months!
APR6.51%
Last UpdatedApril 7, 2026
Details
As Low As; Rates as low as 5.625% (6.508% APR)
APR6.65%
Last UpdatedApril 7, 2026
Details
As Low As; Regular APR: 10.090%
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Personal Loan
6.74%
▼
APR6.74%
Last UpdatedApril 7, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Signature Loan
6.74%
▼
APR6.74%
Last UpdatedApril 7, 2026
Details
As Low As; Let your possibilities bloom this spring with special low Signature Loan rates now through May 1, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Holiday Loan - Closed End Fixed APR as low as
6.74%
▼
APR6.74%
Last UpdatedApril 7, 2026
Details
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.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 7, 2026
Details
As Low As
NY FIREFIGHTERS BRAVEST
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
Personal/Unsecured/Debt Consolidation
6.84%
▼
APR6.84%
Last UpdatedApril 7, 2026
Details
As Low As; New electronics, home renovations, catch up on bills.
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As; Personal Loan rates as low as 6.99% APR for 12 months!
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Move Me Loan Rate
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As; Use collateral such as autos, RVs, etc. to secure the loan.
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Unsecured Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedApril 7, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Signature Loan
7.24%
▼
APR7.24%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.24%
Last UpdatedApril 7, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
As Low As; Loan amount $10,000 - $400,000
APR7.49%
Last UpdatedApril 7, 2026
Details
As Low As
Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Special Tax Loan
7.49%
▼
APR7.49%
Last UpdatedApril 7, 2026
Details
12-month payback
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Unsecured Loan
7.50%
▼
APR7.50%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 7, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 7, 2026
Details
As Low As; Fixed up to 36 months
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 7, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Signature Loan
7.74%
▼
APR7.74%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.74%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.79%
Last UpdatedApril 7, 2026
Details
As Low As; Rates and Terms are based on credit worthiness. Certain restrictions may apply. Additional discounts may apply. Rates and terms are subject to change without notice.
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Signature Loan
7.90%
▼
APR7.90%
Last UpdatedApril 7, 2026
Details
Maximum Amount: $10,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As; Lowest rate available with qualifying credit. Your rate is based on creditworthiness.
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As; - $50,000 maximum loan amount
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Lifestyle Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Lifestyle Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As; ...
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As; Amount Financed up to $20,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Hope & Relief Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Personal Convenience Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
$500 - $50,000, 6 - 84 Months. Fixed Rate.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Debt180 Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
$500 - $50,000, 6 - 84 Months. Fixed Rate.
APR7.99%
Last UpdatedApril 7, 2026
Details
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
VIRGINIA STATE UNIVERSITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
Balance Transfer Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Personal Loans Up to 36 Months A
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Variable Rate Solar Loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As; $75,000 max loan amount; No penalty for early repayment; Total Loan Term is 15 years4
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Unsecured Loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Land or Lot Loan
8.24%
▼
APR8.24%
Last UpdatedApril 7, 2026
Details
$5,000 - $200,000. 10-acre maximum.
APR8.24%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.24%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.45%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 7, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 7, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans Up to 24 Months
8.49%
▼
APR8.49%
Last UpdatedApril 7, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
As Low As
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR8.79%
Last UpdatedApril 7, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedApril 7, 2026
Details
As Low As; Loan Amount $500-$40,000
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedApril 7, 2026
Details
Maximum Amount: $10,000
APR8.90%
Last UpdatedApril 7, 2026
Details
As Low As; Our Personal Loans are available with terms from 24-60 months and APRs* ranging from 8.90% to 17.90%.
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Personal Loans
8.95%
▼
APR8.95%
Last UpdatedApril 7, 2026
Details
As Low As
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Unsecured Personal Loans
8.95%
▼
APR8.95%
Last UpdatedApril 7, 2026
Details
No additional details available.
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Personal/Unsecured Loans
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As; - $50,000 maximum loan amount
APR8.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As; - $50,000 maximum loan amount
APR8.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Holiday Loan
9.00%
▼
APR9.00%
Last UpdatedApril 7, 2026
Details
As Low As
Newport News Municipal Emloyees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Personal
9.00%
▼
APR9.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR9.00%
Last UpdatedApril 7, 2026
Details
Up To 84 Month Term
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedApril 7, 2026
Details
As Low As; Borrowed Amount: $300 - $20,000; Approximate Term: Up to 84 months
APR9.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR9.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 7, 2026
Details
As Low As
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Security Only Loans
9.25%
▼
APR9.25%
Last UpdatedApril 7, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
Last UpdatedApril 7, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.61%
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans 25 to 60 Months
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bill Consolidation Loan - Closed End Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Personal Signature Loan - Closed Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As; *APR = Annual Percentage Rate. 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.
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
No additional details available.
Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
Unsecured / Signature Loan
9.50%
▼
APR9.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Unsecured - Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 7, 2026
Details
Total loan amount cannot exceed $15,000.
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 7, 2026
Details
As Low As; Fixed up to 60 months
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 7, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.61%
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 7, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Vacation Loans
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Appy Assist Loans
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
Personal Loans Starting at
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedApril 7, 2026
Details
Maximum Amount: $10,000
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Medical Residency Refinance Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
Fixed rates
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.61%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
12 Months Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As; Up to $50,000
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
Unsecured Loans
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
Amount Financed: $21,000.00; Rate based on evaluation of credit history.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
4001 Lauderdale Dr, Richmond, VA, 23233
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
7.15%
▼
APR7.15%
Last UpdatedApril 7, 2026
Details
As Low As
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
8.15%
▼
APR8.15%
Last UpdatedApril 7, 2026
Details
As Low As
RVA Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1700 Robin Hood Rd, Richmond, VA, 23220
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 7, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Debt Consolidation Personal Loan
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
for up to 36 months on loans from $500 to $20,000
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Debt Consolidation Personal Loan Special
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
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.
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
9.15%
▼
APR9.15%
Last UpdatedApril 7, 2026
Details
As Low As
Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
7700 Shrader Rd, Richmond, VA, 23228
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
Regular APR: 9.99% to 18.00%
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 7, 2026
Details
As Low As
Argent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
400 N 8th St, Richmond, VA, 23219
Personal Loans
10.24%
▼
APR10.24%
Last UpdatedApril 7, 2026
Details
As Low As
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
10.30%
▼
APR10.30%
Last UpdatedApril 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 7, 2026
Details
As Low As
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
11.40%
▼
APR11.40%
Last UpdatedApril 7, 2026
Details
As Low As
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
9030 Stony Point Pkwy, Richmond, VA, 23235
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 7, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 7, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Personal Loans
5.15%
▼
APR5.15%
Last UpdatedApril 7, 2026
Details
No additional details available.
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
Personal Loan Promotion
5.49%
▼
APR5.49%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.99%
Last UpdatedApril 7, 2026
Details
Offer ends June 19, 2026.
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
Personal Loan Promotion
6.49%
▼
APR6.49%
Last UpdatedApril 7, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedApril 7, 2026
Details
As Low As; Special fixed up to 15 months!
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Personal Loan
6.74%
▼
APR6.74%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 7, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As; Personal Loan rates as low as 6.99% APR for 12 months!
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As; Use collateral such as autos, RVs, etc. to secure the loan.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 7, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 7, 2026
Details
As Low As; Fixed up to 36 months
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.79%
Last UpdatedApril 7, 2026
Details
As Low As; Rates and Terms are based on credit worthiness. Certain restrictions may apply. Additional discounts may apply. Rates and terms are subject to change without notice.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As; - $50,000 maximum loan amount
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As; ...
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 7, 2026
Details
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Personal Loans Up to 36 Months A
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR8.24%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.45%
Last UpdatedApril 7, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans Up to 24 Months
8.49%
▼
APR8.49%
Last UpdatedApril 7, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 7, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
As Low As
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedApril 7, 2026
Details
As Low As; Loan Amount $500-$40,000
APR8.90%
Last UpdatedApril 7, 2026
Details
As Low As; Our Personal Loans are available with terms from 24-60 months and APRs* ranging from 8.90% to 17.90%.
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Personal Loans
8.95%
▼
APR8.95%
Last UpdatedApril 7, 2026
Details
As Low As
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Unsecured Personal Loans
8.95%
▼
APR8.95%
Last UpdatedApril 7, 2026
Details
No additional details available.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As; - $50,000 maximum loan amount
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As; - $50,000 maximum loan amount
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 7, 2026
Details
Up To 84 Month Term
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedApril 7, 2026
Details
As Low As; Borrowed Amount: $300 - $20,000; Approximate Term: Up to 84 months
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.61%
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans 25 to 60 Months
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
No additional details available.
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Unsecured - Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 7, 2026
Details
Total loan amount cannot exceed $15,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.61%
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 7, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 7, 2026
Details
As Low As; Fixed up to 60 months
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedApril 7, 2026
Details
As Low As
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
Personal Loans Starting at
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.61%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
12 Months Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Debt Consolidation Personal Loan
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
for up to 36 months on loans from $500 to $20,000
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Debt Consolidation Personal Loan Special
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
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.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Fixed Term Signature Loan Debt Consolidation Special
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
As Low As; Limited time offer
Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
7700 Shrader Rd, Richmond, VA, 23228
Personal, Wedding, Vacation, Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
NY FIREFIGHTERS BRAVEST
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
Personal/Unsecured/Debt Consolidation
6.84%
▼
APR6.84%
Last UpdatedApril 7, 2026
Details
As Low As; New electronics, home renovations, catch up on bills.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Debt180 Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
$500 - $50,000, 6 - 84 Months. Fixed Rate.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 7, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 7, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Debt Consolidation
16.99%
▼
APR16.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
2000 Richmond Hwy, Richmond, VA, 23224 7608
Signature Loans
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Fixed Term Signature Loan Debt Consolidation Special
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
As Low As; Limited time offer
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1204 Broad Rock Blvd, Richmond, VA, 23224 4916
Fixed Term Signature Loan
11.49%
▼
APR11.49%
Last UpdatedApril 7, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Signature Loan
6.74%
▼
APR6.74%
Last UpdatedApril 7, 2026
Details
As Low As; Let your possibilities bloom this spring with special low Signature Loan rates now through May 1, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Signature Loan
7.24%
▼
APR7.24%
Last UpdatedApril 7, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Signature Loan
7.74%
▼
APR7.74%
Last UpdatedApril 7, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Signature Loan
7.90%
▼
APR7.90%
Last UpdatedApril 7, 2026
Details
Maximum Amount: $10,000
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As; Amount Financed up to $20,000
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.24%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.79%
Last UpdatedApril 7, 2026
Details
No additional details available.
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedApril 7, 2026
Details
Maximum Amount: $10,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Personal Signature Loan - Closed Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As; *APR = Annual Percentage Rate. 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.
Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
Unsecured / Signature Loan
9.50%
▼
APR9.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR9.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Signature Loan
9.90%
▼
APR9.90%
Last UpdatedApril 7, 2026
Details
Maximum Amount: $10,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As; Up to $50,000
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
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MonitorBankRates
No home improvement personal loan rates found in Richmond, VA currently.
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.
Personal Loan — VA Avg
10.968%
▼ 0.132 vs 7 days ago
Virginia personal loan rates fell 0.132 points over the past 7 days to 10.968% APR.
Signature Loan — VA Avg
9.403%
▼ 0.278 vs 7 days ago
Virginia signature loan rates fell 0.278 points over the past 7 days to 9.403% APR.
As of Apr 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Virginia?
Most lenders in Richmond, Virginia require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Virginia often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Richmond, Virginia require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Virginia?
Yes. Debt consolidation is one of the most common uses of personal loans in Richmond, Virginia. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Richmond, Virginia?
Credit unions in Richmond, Virginia often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Richmond, Virginia?
- 1st Advantage Federal Credit Union: 6.25% (Credit Builder Loan)
- Hopewell Chemical Federal Credit Union: 6.99% (Signature Loans)
- Virginia Credit Union: 6.99% (Personal Loan)
- Richmond Virginia Fire Police Credit Union: 7.00% (Vacation Loan Promo)
- Richmond Heritage Federal Credit Union: 7.99% (Signature Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Richmond, Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 6, 2026.
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