Clinton, Washington Best Personal Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Clinton, Washington personal loan rates from lenders serving Washington range from 6.50% to 19.49% APR, verified by MonitorBankRates as of October 23, 2026. Current personal loan options available to borrowers in Clinton, Washington include: Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit UnionA+5.0 ★Texas Ratio: 3.74%Rate verified Oct 19, 2026 offering Solar Loan at 6.50% APR, Self-Help Federal Credit UnionSelf-Help Federal Credit UnionA+5.0 ★Texas Ratio: 2.49%Rate verified Oct 22, 2026 offering Solar Loans at 6.75% APR, Delta Schools Federal Credit UnionDelta Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.02%Rate verified Oct 23, 2026 offering Solar Loan at 6.99% APR, TRI CITIES Community Credit UnionTRI CITIES Community Credit UnionA5.0 ★Texas Ratio: 8.07%Rate verified Oct 19, 2026 offering Personal Loan at 7.65% APR, and Nordstrom Federal Credit UnionNordstrom Federal Credit UnionA+5.0 ★Texas Ratio: 0.58%Rate verified Oct 23, 2026 offering Signature Loan - 4 Seasons Loan at 7.97% APR. Personal loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
Clinton borrowers have access to 67 lenders serving the Washington area, with personal loan rates as low as 6.50% APR from Puget Sound Cooperative 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 Clinton, Washington.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Clinton, Washington. 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
Clinton Personal Loan Rates
APR range 6.50% - 12.00%; Available Statewide; Maximum loan amount up to $80,000.00; Loans over $40,000 up to $80,000 must include solar to be considered
Published APR range: 6.75% to 15.00%.
- Oct 22, 20266.75%▲ from 5.75%
- Sep 14, 20265.75%first recorded
Alternative Energy Loans; Solar loans will have a UCC Filing attached to them.
APR range: 7.65% - 18.00%; Up to $5,000. Great for taxes, emergencies & vacations.
New money only, up to $10,000, 24 Month Term; Rates effective as of 10/22/26
APR range: 7.99% - 18.00%
Up to $40,000; APR range: 8.49% - 17.99%; APR is based on credit history and loan term
APR range: 8.49% - 17.99%; Rate based on approved credit (OAC)
APR range 8.49% - 16.99%; rates based on credit and subject to change; rates current as of October 1st, 2026
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
Signature Loan (closed-end loan); Annual Percentage Rate (APR); Rates based on term and applicant credit history; APR requires full direct deposit (0.50% direct deposit discount requires minimum $1,000 per month in direct deposits for two consecutive months)
APR Range: 8.74% - 16.99%; Applies to Vacation Loan, Back To School Loan, Wedding Loan, Bicycle Loan, Debt Consolidation Loan, Holiday Loan (Holiday Loan available November 1 - January 31); OAC; 0.25% discount for automatic payment and 0.50% discount for direct deposit; membership required
As Low As; $10,000 max per member
As Low As; Rate Range (APR): 8.99% - 24.99%
Lowest APR 8.99%; Highest APR 17.99%; Final rate determined on credit score and loan term. Rates effective as of 05/27/2026.
As Low As; APR range: 8.99% - 19.99%; Lowest rate includes rate discounts; Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu
As Low As; Term in Years: 1; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Fixed Terms
Signature Loan (closed-end loan); Annual Percentage Rate (APR); Rates based on term and applicant credit history; APR requires full direct deposit (0.50% direct deposit discount requires minimum $1,000 per month in direct deposits for two consecutive months)
As Low As; Rates are based on WSJ prime plus a margin (based on credit qualifications)
As Low As; Rates are based on WSJ prime plus a margin (based on credit qualifications)
As Low As; personal loan for debt consolidation, major purchases, green energy, wedding expenses, vacations
As Low As; Unsecured Loans
APR range: 9.49% - 18.00%; Rates are based on applicant's credit worthiness and loan term
As Low As; Personal loans up to $10,000
As Low As; Standard APR: 10.500%; Business signature loan rates reflect up to 1.00% relationship discount
As Low As; Homepage featured rate
As Low As; This no-frills unsecured loan can help out in a pinch. (1)(2)
- Oct 10, 20269.74%▼ from 10.49%
- Sep 14, 202610.49%first recorded
Term: Up to a 72-month term; APR Range: 9.74% to 17.99%; Payment example: $160.83 a month based on a 3 year, $5,000 loan at 9.74% APR
As Low As; Standard APR: 10.750%; Business signature loan rates reflect up to 1.00% relationship discount
As Low As; Rates based on creditworthiness and term of loan
$10,000; As Low As; APR range 9.95% - 17.95%; Max $10,000
APR range 9.97% - 17.75%; APR based on applicant's credit qualifications
APR range 9.97% - 17.75%; APR based on applicant's credit qualifications
APR range: 9.97% - 17.75%; APR based on applicant's credit qualifications
APR range: 9.97% - 17.75%; APR based on applicant's credit qualifications
As Low As; up to 48 months
No additional details available.
APR range 9.99% - 17.99%
As Low As; Today's Rates (homepage)
Credit Score: 740+; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
APR range: 9.99% - 11.59%
Criteria: Unsecured; APR Range: 9.99% to 17.99%
Highest APR: 17.99%
As Low As; Terms based on amount financed
Term in Years: 1; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Term in Years: 2; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Standard APR: 11.000%; Business signature loan rates reflect up to 1.00% relationship discount
$10,000; As Low As; APR range 10.05% - 18.05%; Max $10,000
$10,000; As Low As; APR range 10.15% - 18.15%; Max $10,000
Term: Available up to 60 months OAC; APR Range: 10.24% - 21.49%; OAC = On Approved Credit; Membership required; Rates include 0.25% auto-pay discount and 0.50% direct deposit discount
No additional details available.
$10,000; Published APR range: 10.28% - 10.57%. As Low As; Max $10,000
No additional details available.
- Oct 13, 202610.29%▲ from 10.04%
- Sep 14, 202610.04%first recorded
No additional details available.
- Oct 13, 202610.29%▲ from 10.04%
- Sep 14, 202610.04%first recorded
As Low As; APR range 10.49% - 18.00%; OAC, may vary based on approved credit, up to 100% financing; discounts do not apply to personal loans
APR range: 10.49 - 18%
Credit Score: 739 - 700; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
- Oct 19, 202610.49%▲ from 9.99%
- Sep 14, 20269.99%first recorded
As Low As; APR shown as low as 10.49%
As Low As; Financing up to $30,000; Max term 24 months
Loan-to-Value: N/A; Loan Type: (e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans; Rates determined by applicant credit and vehicle mileage
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
Signature Loan (closed-end loan); Annual Percentage Rate (APR); Rates based on term and applicant credit history; APR requires full direct deposit (0.50% direct deposit discount requires minimum $1,000 per month in direct deposits for two consecutive months)
APR range: 10.74% - 17.99%; .25% auto-pay discount included
No additional details available.
Maximum Financed: $100,000; APR*: Annual Percentage Rates effective October 22, 2026 and subject to change without notice
As Low As; up to 60 months; minimum loan amount of $5,000
No additional details available.
No additional details available.
As Low As; Amount: Up to $10,000
APR range: 10.99% - 17.90%; Other fixed loans
APR range: 10.99% to 17.99%; Rates effective as of 8/4/2025
As Low As; Maximum Loan Amount: $25,000; Estimated monthly payment based on term of 60 months
As Low As; Personal Loan Rates; Effective 11/15/2023
Term in Years: 2; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Term in Years: 3; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
Published APR range: 11.00% - 16.00%. Fixed rate; loan minimum $100, not to exceed $25,000; estimated minimum
Rate range: 11.000% to 19.000% APR; Maximum loan amount of $10,000; Monthly payments
As Low As; Financing up to $30,000; Max term 36 months
Loan-to-Value: N/A; Loan Type: (e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans; Rates determined by applicant credit and vehicle mileage
As Low As; Unsecured Loans
Maximum Financed: $100,000; APR*: Annual Percentage Rates effective October 22, 2026 and subject to change without notice
Fixed rate, terms up to 36 months. Maximum loan amount: two times gross monthly income; APR range: 11.50% to 16.50%
As Low As; Financing up to $30,000; Max term 48 months
As Low As; Maximum loan amount of $50,000; Payments fully amortized over term; No collateral required; Fixed interest rate; $100 origination fee
Published APR range: 11.74% - 22.99%. Effective as of October 1, 2026; Payment Per $1000 Borrowed $19.51-$25.95 (not a rate)
- Oct 9, 202611.74%▲ from 11.49%
- Sep 14, 202611.49%first recorded
No additional details available.
Loan-to-Value: $15,000; Loan Type: (e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans; Rates determined by applicant credit and vehicle mileage
No additional details available.
Varies on $ amount; unsecured
Varies on $ amount; unsecured
As Low As; Fixed rate, terms up to 60 months available depending on credit score and amount financed; rate shown applies to Personal Unsecured, Autos, Boats and RVs 2016 or older model year vehicles or vehicles valued at under $10,000 and Cycle Products 2021 or older model year vehicles; Secured and Unsecured Loans available
Maximum Financed: $100,000; APR*: Annual Percentage Rates effective October 22, 2026 and subject to change without notice
As Low As; up to 72 months; minimum loan amount of $7,500
No additional details available.
As Low As; APR range: 11.99% - 18.00%; Personal line of credit. Pay interest on the money you use, payment amount is based on the amount you owe
Term in Years: 3; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Term in Years: 4; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
Loan Rates Effective as of 10/16/2025
As Low As; Financing up to $30,000; Max term 60 months
Up to $5,000
No additional details available.
Maximum Financed: $100,000; APR*: Annual Percentage Rates effective October 22, 2026 and subject to change without notice
APR range: 12.49% - 18.00%; Estimated payment $449.85 at 12.49% APR; Rates effective 9/30/2026
As Low As; Fixed rate, fixed term loan for a specific expense; Borrow up to $20,000 (if qualified); No collateral required; Quick and easy funding
As Low As; Term in Years: 5; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
Published APR range: 12.50% to 16.00%.
- Oct 22, 202612.50%▲ from 11.75%
- Sep 14, 202611.75%first recorded
Term: Terms from 12 - 60 months; As Low As; No payment for 90 days; Balances starting at $2,501
As Low As; Amount: $10,000.01+
Term in Years: 4; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
Credit Rating: A++; Up to $10,000.00; Floor rate with payroll direct deposit requirement; starting at a 60-month term, increases 0.50% for each year added except A++ tier
As Low As; Financing up to $30,000; Max term 72 months
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; $25,000 minimum amount financed for 61 to 84 months; $30,000 minimum for amount financed over 84 months; Terms greater than 60 months available for home improvement loans; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Unsecured Loans
As Low As; Some loans include a minimum loan amount
Term in Years: 5; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
Credit Rating: A+; Up to $10,000.00; Floor rate with payroll direct deposit requirement; starting at a 60-month term, increases 0.50% for each year added except A++ tier
Published APR range: 13.50% to 16.00%.
- Oct 22, 202613.50%▲ from 12.75%
- Sep 14, 202612.75%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification; term shown as 24 in source table
Maximum Financed: $100,000; APR*: Annual Percentage Rates effective October 22, 2026 and subject to change without notice
No additional details available.
Credit Score: 699 - 660; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
- Oct 19, 202613.99%▲ from 9.99%
- Sep 14, 20269.99%first recorded
Interest rate is dependent upon the credit qualifications of the borrower(s).
Up to $10,000
Credit Rating: A; Up to $7,000.00; Floor rate with payroll direct deposit requirement; starting at a 60-month term, increases 0.50% for each year added except A++ tier
Published APR range: 15.06 - 18.00%. Minimum loan: $500; Rates effective as of 04-06-2026
Published APR range: 15.11 - 18.00%. Minimum loan: $2,000; Rates effective as of 04-06-2026
Published APR range: 15.14 - 18.00%. Minimum loan: $3,000; Rates effective as of 04-06-2026
Published APR range: 15.17 - 18.00%. Minimum loan: $4,000; Rates effective as of 04-06-2026
Published APR range: 15.22 - 18.00%. Minimum loan: $5,000; Rates effective as of 04-06-2026
Published APR range: 15.31 - 18.00%. Minimum loan: $10,000; Rates effective as of 04-06-2026
Credit Score: 659 - 610; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
- Oct 19, 202615.49%▲ from 9.99%
- Sep 14, 20269.99%first recorded
Credit Rating: B; Up to $4,000.00; Floor rate with payroll direct deposit requirement; starting at a 60-month term, increases 0.50% for each year added except A++ tier
Credit Rating: C; Up to $3,000.00; Floor rate with payroll direct deposit requirement; starting at a 60-month term, increases 0.50% for each year added except A++ tier
Up to $15,000
Rates effective as of 8/4/2025
Credit Score: 609 - 560; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
- Oct 19, 202618.49%▲ from 9.99%
- Sep 14, 20269.99%first recorded
Credit Score: 559 or below; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
- Oct 19, 202619.49%▲ from 9.99%
- Sep 14, 20269.99%first recorded
Clinton Personal Loan Rates
APR range: 7.65% - 18.00%; Up to $5,000. Great for taxes, emergencies & vacations.
APR range 8.49% - 16.99%; rates based on credit and subject to change; rates current as of October 1st, 2026
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
APR Range: 8.74% - 16.99%; Applies to Vacation Loan, Back To School Loan, Wedding Loan, Bicycle Loan, Debt Consolidation Loan, Holiday Loan (Holiday Loan available November 1 - January 31); OAC; 0.25% discount for automatic payment and 0.50% discount for direct deposit; membership required
As Low As; APR range: 8.99% - 19.99%; Lowest rate includes rate discounts; Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu
As Low As; Term in Years: 1; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Fixed Terms
As Low As; Personal loans up to $10,000
As Low As; Homepage featured rate
$10,000; As Low As; APR range 9.95% - 17.95%; Max $10,000
As Low As; up to 48 months
As Low As; Today's Rates (homepage)
Credit Score: 740+; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
Highest APR: 17.99%
Term in Years: 1; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Term in Years: 2; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
$10,000; As Low As; APR range 10.05% - 18.05%; Max $10,000
$10,000; As Low As; APR range 10.15% - 18.15%; Max $10,000
$10,000; Published APR range: 10.28% - 10.57%. As Low As; Max $10,000
As Low As; APR range 10.49% - 18.00%; OAC, may vary based on approved credit, up to 100% financing; discounts do not apply to personal loans
Credit Score: 739 - 700; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
- Oct 19, 202610.49%▲ from 9.99%
- Sep 14, 20269.99%first recorded
As Low As; Financing up to $30,000; Max term 24 months
Loan-to-Value: N/A; Loan Type: (e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans; Rates determined by applicant credit and vehicle mileage
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
APR range: 10.74% - 17.99%; .25% auto-pay discount included
Maximum Financed: $100,000; APR*: Annual Percentage Rates effective October 22, 2026 and subject to change without notice
As Low As; up to 60 months; minimum loan amount of $5,000
As Low As; Amount: Up to $10,000
APR range: 10.99% - 17.90%; Other fixed loans
APR range: 10.99% to 17.99%; Rates effective as of 8/4/2025
As Low As; Maximum Loan Amount: $25,000; Estimated monthly payment based on term of 60 months
As Low As; Personal Loan Rates; Effective 11/15/2023
Term in Years: 2; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Term in Years: 3; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
Published APR range: 11.00% - 16.00%. Fixed rate; loan minimum $100, not to exceed $25,000; estimated minimum
Rate range: 11.000% to 19.000% APR; Maximum loan amount of $10,000; Monthly payments
As Low As; Financing up to $30,000; Max term 36 months
Loan-to-Value: N/A; Loan Type: (e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans; Rates determined by applicant credit and vehicle mileage
Maximum Financed: $100,000; APR*: Annual Percentage Rates effective October 22, 2026 and subject to change without notice
Fixed rate, terms up to 36 months. Maximum loan amount: two times gross monthly income; APR range: 11.50% to 16.50%
As Low As; Financing up to $30,000; Max term 48 months
As Low As; Maximum loan amount of $50,000; Payments fully amortized over term; No collateral required; Fixed interest rate; $100 origination fee
Published APR range: 11.74% - 22.99%. Effective as of October 1, 2026; Payment Per $1000 Borrowed $19.51-$25.95 (not a rate)
- Oct 9, 202611.74%▲ from 11.49%
- Sep 14, 202611.49%first recorded
Loan-to-Value: $15,000; Loan Type: (e.g.) Jet Skis, Motorcycles, Snowmobiles, Personal Computer, Personal Loans; Rates determined by applicant credit and vehicle mileage
Varies on $ amount; unsecured
Maximum Financed: $100,000; APR*: Annual Percentage Rates effective October 22, 2026 and subject to change without notice
As Low As; up to 72 months; minimum loan amount of $7,500
As Low As; APR range: 11.99% - 18.00%; Personal line of credit. Pay interest on the money you use, payment amount is based on the amount you owe
Term in Years: 3; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Term in Years: 4; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Financing up to $30,000; Max term 60 months
Maximum Financed: $100,000; APR*: Annual Percentage Rates effective October 22, 2026 and subject to change without notice
APR range: 12.49% - 18.00%; Estimated payment $449.85 at 12.49% APR; Rates effective 9/30/2026
As Low As; Term in Years: 5; Best rates based on approved credit with maximum relationship discount of 1.00%; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Amount: $10,000.01+
Term in Years: 4; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
As Low As; Financing up to $30,000; Max term 72 months
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; $25,000 minimum amount financed for 61 to 84 months; $30,000 minimum for amount financed over 84 months; Terms greater than 60 months available for home improvement loans; Personal Loan rates range from 8.74% to 18.00% APR
Term in Years: 5; Maximum relationship discount of 1.00% available; 0.25% discounts for down payment over 25%, checking with autopay, IRA or Share Certificate or other loans over $5,000, e-statements
Maximum Financed: $100,000; APR*: Annual Percentage Rates effective October 22, 2026 and subject to change without notice
Credit Score: 699 - 660; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
- Oct 19, 202613.99%▲ from 9.99%
- Sep 14, 20269.99%first recorded
Published APR range: 15.06 - 18.00%. Minimum loan: $500; Rates effective as of 04-06-2026
Published APR range: 15.11 - 18.00%. Minimum loan: $2,000; Rates effective as of 04-06-2026
Published APR range: 15.14 - 18.00%. Minimum loan: $3,000; Rates effective as of 04-06-2026
Published APR range: 15.17 - 18.00%. Minimum loan: $4,000; Rates effective as of 04-06-2026
Published APR range: 15.22 - 18.00%. Minimum loan: $5,000; Rates effective as of 04-06-2026
Published APR range: 15.31 - 18.00%. Minimum loan: $10,000; Rates effective as of 04-06-2026
Credit Score: 659 - 610; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
- Oct 19, 202615.49%▲ from 9.99%
- Sep 14, 20269.99%first recorded
Rates effective as of 8/4/2025
Credit Score: 609 - 560; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
- Oct 19, 202618.49%▲ from 9.99%
- Sep 14, 20269.99%first recorded
Credit Score: 559 or below; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
- Oct 19, 202619.49%▲ from 9.99%
- Sep 14, 20269.99%first recorded
Clinton Debt Consolidation Loan Rates
APR range 9.97% - 17.75%; APR based on applicant's credit qualifications
APR range: 9.97% - 17.75%; APR based on applicant's credit qualifications
Clinton Signature Loan Rates
New money only, up to $10,000, 24 Month Term; Rates effective as of 10/22/26
APR range: 7.99% - 18.00%
Up to $40,000; APR range: 8.49% - 17.99%; APR is based on credit history and loan term
APR range: 8.49% - 17.99%; Rate based on approved credit (OAC)
APR range 8.49% - 16.99%; rates based on credit and subject to change; rates current as of October 1st, 2026
Signature Loan (closed-end loan); Annual Percentage Rate (APR); Rates based on term and applicant credit history; APR requires full direct deposit (0.50% direct deposit discount requires minimum $1,000 per month in direct deposits for two consecutive months)
As Low As; $10,000 max per member
As Low As; Rate Range (APR): 8.99% - 24.99%
Signature Loan (closed-end loan); Annual Percentage Rate (APR); Rates based on term and applicant credit history; APR requires full direct deposit (0.50% direct deposit discount requires minimum $1,000 per month in direct deposits for two consecutive months)
As Low As; Rates are based on WSJ prime plus a margin (based on credit qualifications)
As Low As; Rates are based on WSJ prime plus a margin (based on credit qualifications)
As Low As; Standard APR: 10.500%; Business signature loan rates reflect up to 1.00% relationship discount
As Low As; This no-frills unsecured loan can help out in a pinch. (1)(2)
- Oct 10, 20269.74%▼ from 10.49%
- Sep 14, 202610.49%first recorded
Term: Up to a 72-month term; APR Range: 9.74% to 17.99%; Payment example: $160.83 a month based on a 3 year, $5,000 loan at 9.74% APR
As Low As; Standard APR: 10.750%; Business signature loan rates reflect up to 1.00% relationship discount
APR range: 9.97% - 17.75%; APR based on applicant's credit qualifications
APR range: 9.97% - 17.75%; APR based on applicant's credit qualifications
No additional details available.
APR range: 9.99% - 11.59%
Criteria: Unsecured; APR Range: 9.99% to 17.99%
As Low As; Terms based on amount financed
As Low As; Standard APR: 11.000%; Business signature loan rates reflect up to 1.00% relationship discount
Term: Available up to 60 months OAC; APR Range: 10.24% - 21.49%; OAC = On Approved Credit; Membership required; Rates include 0.25% auto-pay discount and 0.50% direct deposit discount
No additional details available.
No additional details available.
- Oct 13, 202610.29%▲ from 10.04%
- Sep 14, 202610.04%first recorded
No additional details available.
- Oct 13, 202610.29%▲ from 10.04%
- Sep 14, 202610.04%first recorded
APR range: 10.49 - 18%
As Low As; APR shown as low as 10.49%
Signature Loan (closed-end loan); Annual Percentage Rate (APR); Rates based on term and applicant credit history; APR requires full direct deposit (0.50% direct deposit discount requires minimum $1,000 per month in direct deposits for two consecutive months)
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Varies on $ amount; unsecured
Varies on $ amount; unsecured
No additional details available.
Up to $5,000
No additional details available.
As Low As; Fixed rate, fixed term loan for a specific expense; Borrow up to $20,000 (if qualified); No collateral required; Quick and easy funding
Published APR range: 12.50% to 16.00%.
- Oct 22, 202612.50%▲ from 11.75%
- Sep 14, 202611.75%first recorded
Term: Terms from 12 - 60 months; As Low As; No payment for 90 days; Balances starting at $2,501
Credit Rating: A++; Up to $10,000.00; Floor rate with payroll direct deposit requirement; starting at a 60-month term, increases 0.50% for each year added except A++ tier
As Low As; Some loans include a minimum loan amount
Credit Rating: A+; Up to $10,000.00; Floor rate with payroll direct deposit requirement; starting at a 60-month term, increases 0.50% for each year added except A++ tier
Published APR range: 13.50% to 16.00%.
- Oct 22, 202613.50%▲ from 12.75%
- Sep 14, 202612.75%first recorded
No additional details available.
Interest rate is dependent upon the credit qualifications of the borrower(s).
Up to $10,000
Credit Rating: A; Up to $7,000.00; Floor rate with payroll direct deposit requirement; starting at a 60-month term, increases 0.50% for each year added except A++ tier
Credit Rating: B; Up to $4,000.00; Floor rate with payroll direct deposit requirement; starting at a 60-month term, increases 0.50% for each year added except A++ tier
Credit Rating: C; Up to $3,000.00; Floor rate with payroll direct deposit requirement; starting at a 60-month term, increases 0.50% for each year added except A++ tier
Up to $15,000
Clinton, WA Personal Loan Rate Trends
Compare local Clinton, WA 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.
Washington personal loan rates rose 0.186 points over the past 7 days to 10.952% APR.
Washington signature loan rates rose 0.226 points over the past 7 days to 10.525% APR.
Clinton, WA 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 Washington 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 WA average personal loan APR of 10.95%, across the terms lenders serving Clinton, Washington 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 | $232.93/mo | $163.58/mo | $129.11/mo | $108.59/mo |
| $10,000 | $465.86/mo | $327.16/mo | $258.22/mo | $217.19/mo |
| $15,000 | $698.78/mo | $490.74/mo | $387.33/mo | $325.78/mo |
| $25,000 | $1,164.64/mo | $817.90/mo | $645.56/mo | $542.96/mo |
| $35,000 | $1,630.50/mo | $1,145.06/mo | $903.78/mo | $760.15/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 Clinton, Washington
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 WA personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (WA average) | 10.95% | $387.33 | $3,592 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,558 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,092 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,684 |
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 Clinton, Washington
Prequalify With a Soft Credit Check
Most lenders serving Clinton, Washington 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 Washington 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 Clinton, Washington 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 Clinton, Washington high-yield savings account costs nothing and earns interest instead of paying it
Clinton, Washington Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $387 monthly loan payment is roughly 7.7% of the median individual income in Clinton, Washington. 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 Clinton, Washington.
| 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 WA 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 Clinton, Washington 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 Clinton, Washington 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 Clinton, Washington. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in WA.
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 Clinton, Washington
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 Washington?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Washington?
Are credit unions or banks better for personal loans in Clinton, Washington?
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 Clinton, Washington?
What is the maximum APR on a bad credit personal loan from a credit union?
What are the best personal loan rates in Clinton, Washington?
- Puget Sound Cooperative Credit Union: 6.50% (Solar Loan)
- Self-Help Federal Credit Union: 6.75% (Solar Loans)
- Delta Schools Federal Credit Union: 6.99% (Solar Loan)
- TRI CITIES Community Credit Union: 7.65% (Personal Loan)
- Nordstrom Federal Credit Union: 7.97% (Signature Loan - 4 Seasons Loan)
Clinton, Washington Rates & Resources
Personal Loan Calculators
