Best Personal Loan Rates in Richmond, Virginia - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in 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 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: 2.30% offering Signature Loans 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 July 11, 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: July 11, 2026
Richmond Personal Loan Rates
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As Low As; $500 - $1,000
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As Low As
As Low As; View Loan Rates
As Low As
As Low As; Personal Loan Rates
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As Low As; Personal Loan Rates
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As Low As
As Low As; Personal Loan Rates
As Low As; Please call RVA Financial at (804) 359-8754 for our most current rates.
As Low As; $500 - $20,000; Limited time offer
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As Low As; Personal Loan Rates
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As Low As
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As low as
As low as
As Low As
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As Low As
As Low As; $500 and up
No additional details available.
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As Low As*
$500
$200
As Low As; Minimum Loan Amount: $10,000; Sample Monthly Payment for $20,000†: $454.18
As Low As; Minimum Loan Amount: $10,000; Sample Monthly Payment for $20,000†: $371.86
As Low As; Sample Monthly Payment for $20,000†: $593.96
As Low As; Minimum Loan Amount: $20,000; Sample Monthly Payment for $20,000†: $317.94
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
As Low As; Sample Monthly Payment for $20,000†: $597.53
As Low As; Minimum Loan Amount: $10,000; Sample Monthly Payment for $20,000†: $458.69
Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $10,000; Sample Monthly Payment for $20,000†: $376.42
As Low As; Minimum Loan Amount: $20,000; Sample Monthly Payment for $20,000†: $322.56
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
Amount: Up to $2000
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $10,000; Sample Monthly Payment for $20,000†: $463.22
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
As low as $30.20
As Low As; Minimum Loan Amount: $10,000; Sample Monthly Payment for $20,000†: $382.39
As Low As; Minimum Loan Amount: $35,000; Sample Monthly Payment for $20,000†: $287.88
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
As Low As; 100% Retail
As Low As
No additional details available.
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $20,000; Sample Monthly Payment for $20,000†: $329.48
No additional details available.
Up to $100,000
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $35,000; Sample Monthly Payment for $20,000†: $292.65
As Low As; Maximum $3,000
Maximum LTV: 90% LTV
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
No additional details available.
No additional details available.
As Low As; Minimum Loan Amount: $5,000
As Low As; Loan Amount: $500 - $25,000
As Low As
As Low As; Special fixed
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Maximum LTV: 90% LTV
As Low As; Fixed APR
No additional details available.
As Low As; APR
As Low As; Loan Amounts: $1,000-$1,500
As Low As
As Low As; Personal Loan
As Low As
As Low As
Maximum Financed: $8,000. Annual Percentage Rate. No discounts apply. Terms and conditions vary based on creditworthiness and other qualifications and are subject to change. A $8,000, 48 month, at 7% Annual Percentage Rate (APR) will have estimated monthly payments of $192.12
Up to $250,000
As Low As; Minimum Loan Amount: $7,000
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
As Low As; APR
As Low As; APR
As Low As; Minimum Loan Amount: $35,000; Sample Monthly Payment for $20,000†: $304.30
As Low As
As Low As
As Low As
No additional details available.
As Low As; APR
Choose from Personal, Debt Consolidation or Home Improvement Loans and enjoy quick funding, no application fees, and no payment for 45 days. Make big moves with rates as low as 7.69% APR.
As Low As
As Low As; Fixed APR
As Low As
Minimum: $250; Maximum: $125,000
As Low As
Limits: $500-$50,000
As Low As; Loan Amounts: $3,001-$6,500
Amount Financed: up to $20,000
As Low As; $50,000 maximum loan amount
As Low As; $50,000 maximum loan amount
Minimum: $250; Maximum: $125,000
No additional details available.
As Low As; Maximum APR: 18.00%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Total rate discounts cannot exceed 1.50%.
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
As Low As
Loan Amount: $500+
As Low As
Amount: Up to 100%
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
As Low As; Variable; $500 to $3,000
As Low As; APR
As Low As; Minimum Loan Amount: $50,000; Sample Monthly Payment for $20,000†: $283.65
Minimum: $250; Maximum: $125,000
Rates may vary according to .
Loan Amount: $2,500+
Loan Amount: $3,000+
No additional details available.
Minimum: $250; Maximum: $125,000
As Low As; Minimum Loan Amount: $50,000; Sample Monthly Payment for $20,000†: $288.77
As Low As; Fixed APR
As Low As; APR = Annual Percentage Rate. Disclosure
As Low As; APR = Annual Percentage Rate.
No additional details available.
No additional details available.
Rates ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000. Term of up to 60 months.
As Low As; Loan Amount: $500-$40,000
As Low As; Loan Amounts: $1,000
Loan Amount: $5,000+
As Low As; $50,000 maximum loan amount
As Low As; Loan Amounts: $6,501-$10,000
As Low As; $50,000 maximum loan amount
As Low As; Personal Loan
As Low As; *
No additional details available.
As Low As
APR reflects 0.25% discount for automatic payment made from member's LFCU account and established qualified direct deposit into member's LFCU checking account. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.Share Secured APR based on dividend tier at time of origination and is adjusted with dividend rate. Monthly minimum payment is $30 per $1,000 borrowed.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; Personal Loan
No additional details available.
Loan Amount: $5,000+
No additional details available.
As Low As; APR up to 20.69%
As Low As; Maximum Loan Amount: $70,000.00
Richmond Personal Loan Rates
As Low As
As Low As
As Low As; Personal Loan Rates
As Low As; Personal Loan Rates
As Low As
As Low As; Personal Loan Rates
As Low As; Please call RVA Financial at (804) 359-8754 for our most current rates.
As Low As; Personal Loan Rates
As Low As
No additional details available.
As low as
As Low As
As Low As
No additional details available.
Amount: Up to $2000
As low as $30.20
As Low As; Maximum $3,000
As Low As
As Low As; Loan Amount: $500 - $25,000
As Low As; Special fixed
As Low As; Fixed APR
As Low As
As Low As
As Low As; Personal Loan
As Low As; Loan Amounts: $1,000-$1,500
As Low As
Choose from Personal, Debt Consolidation or Home Improvement Loans and enjoy quick funding, no application fees, and no payment for 45 days. Make big moves with rates as low as 7.69% APR.
As Low As; Fixed APR
As Low As
As Low As
Minimum: $250; Maximum: $125,000
As Low As; Loan Amounts: $3,001-$6,500
As Low As; $50,000 maximum loan amount
As Low As; $50,000 maximum loan amount
Loan Amount: $500+
Minimum: $250; Maximum: $125,000
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
As Low As
Loan Amount: $2,500+
Rates may vary according to .
Minimum: $250; Maximum: $125,000
Loan Amount: $3,000+
Minimum: $250; Maximum: $125,000
As Low As; Fixed APR
As Low As; APR = Annual Percentage Rate. Disclosure
As Low As; APR = Annual Percentage Rate.
No additional details available.
As Low As; Loan Amount: $500-$40,000
Rates ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000. Term of up to 60 months.
Loan Amount: $5,000+
As Low As
As Low As; Personal Loan
As Low As; Loan Amounts: $6,501-$10,000
As Low As; $50,000 maximum loan amount
As Low As; $50,000 maximum loan amount
No additional details available.
As Low As
As Low As; Personal Loan
No additional details available.
Loan Amount: $5,000+
As Low As; APR up to 20.69%
As Low As; Maximum Loan Amount: $70,000.00
Richmond Debt Consolidation Loan Rates
As Low As; $500 - $20,000; Limited time offer
No additional details available.
No additional details available.
Richmond Signature Loan Rates
No additional details available.
As Low As; View Loan Rates
No additional details available.
As Low As; $500 - $20,000; Limited time offer
As Low As; $500 and up
As Low As
Maximum Financed: $8,000. Annual Percentage Rate. No discounts apply. Terms and conditions vary based on creditworthiness and other qualifications and are subject to change. A $8,000, 48 month, at 7% Annual Percentage Rate (APR) will have estimated monthly payments of $192.12
As Low As
As Low As
As Low As; Maximum APR: 18.00%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Total rate discounts cannot exceed 1.50%.
Amount Financed: up to $20,000
No additional details available.
APR reflects 0.25% discount for automatic payment made from member's LFCU account and established qualified direct deposit into member's LFCU checking account. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.Share Secured APR based on dividend tier at time of origination and is adjusted with dividend rate. Monthly minimum payment is $30 per $1,000 borrowed.
No additional details available.
No additional details available.
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 0.014 points over the past 7 days to 10.778% APR.
Virginia signature loan rates fell 0.100 points over the past 7 days to 9.624% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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 Loan)
- Richmond Virginia Fire Police Credit Union: 7.15% (Signature Loans)
- Credit Union of Richmond: 7.49% (Personal Loan)
Personal Loan Calculators
