Star City, West Virginia personal loan rates from lenders serving West Virginia range from 4.50% to 18.00% APR, verified by MonitorBankRates as of October 12, 2026. Current personal loan options available to borrowers in Star City, West Virginia include: Teamsters Local 697 Federal Credit UnionTeamsters Local 697 Federal Credit UnionA-5.0 ★Texas Ratio: 15.52% offering Sharesecured Loan at 4.50% APR, Huntington C&O Railway Employees Federal Credit UnionHuntington C&O Railway Employees Federal Credit UnionA5.0 ★Texas Ratio: 13.10% offering Signature/Unsecured Loan at 6.50% APR, Hancock School Employees Federal Credit UnionHancock School Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.72% offering Debt Consolidation - 0-48 Months Loan at 7.00% APR, Justice Federal Credit UnionJustice Federal Credit UnionA5.0 ★Texas Ratio: 7.57% offering Personal Loan at 7.99% APR, and Metro Community Federal Credit UnionMetro Community Federal Credit UnionA5.0 ★Texas Ratio: 13.70% offering Unsecured Loan at 7.99% APR. Personal loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Star City borrowers have access to 47 lenders serving the West Virginia area, with personal loan rates as low as 4.50% APR from Teamsters Local 697 Federal Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can confidently borrow from a stable, highly-rated institution in Star City, West Virginia.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Star City, West Virginia. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: October 12, 2026
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Credit Rating: A+
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Credit Rating: A
No additional details available.
As Low As; Loan Amount: $500+
As Low As; Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle; APR for terms up to 84 months for members who qualify
Maximum: $10,000
As Low As; Loan Amount: $2,500+
No additional details available.
As Low As; Loan Amount: $3,000+
With qualifying credit and direct deposit with automatic payment.
Credit Rating: B
No additional details available.
No additional details available.
Maximum Amount: $10,000.00
As Low As; Loan Amount: $5,000+
Rates as low as 8.99%. Maximum loan amount $15,000.
Published APR range: 8.99% - 17.99%. UP TO $10,000.00
up to $20,000.00; Fixed
As low as
No additional details available.
As Low As; The Annual Percentage Rate (APR) shown is for a personal loan of at least $2,000, with a 2-year term. Your actual APR may be higher than the rate shown. Rates shown are as of 2/10/2026 and are subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.
As Low As; Loan Amount: $5,000+
As low as
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As Low As; Minimum Loan $500.00
up to $10,000.00
Rates are based on individual credit worthiness. As Low As
up to $15,000.00; Fixed
No additional details available.
Published APR range: 9.74% - 17.99%.
Up to $2,500
No additional details available.
No additional details available.
No additional details available.
As Low As; Starting at 9.90% Annual Percentage Rate
As Low As; Rate subject to change without notice. Interest rate based on credit score. Terms based on dollar amount financed. Loan subject to credit approval.
As Low As; Loan qualification is based on an assessment of individual creditworthiness and our underwriting standards.
No additional details available.
Unsecured Personal; $10,000 Maximum; Not available to any member that has a Cosigner Loan
As Low As; Signature Loans rates effective as of April 1, 2026
Loan Amount Eligibility is based on the fair issac credit score: Over 780
Credit Rating: C
Credit Score: 750 - 850
As Low As; Signature Loans rates effective as of April 1, 2026
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As Low As; Personal Loans
As Low As; APR* as low as
As Low As
No additional details available.
As Low As; Signature Loans rates effective as of April 1, 2026
up to $7,500; As Low As; APR as printed on homepage carousel
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No additional details available.
As low as
Published APR range: 10.74% - 17.99%.
No additional details available.
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No additional details available.
Maximum Amount: $7,500.00
As Low As; APR* as low as
As Low As; Signature Loans rates effective as of April 1, 2026
No additional details available.
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Credit Score: 730 +; Grade of Paper: Platinum
As low as
As Low As; APR* as low as
As Low As
Credit Rating: D
up to $15,000.00; Fixed
Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00
As Low As; Signature Loans rates effective as of April 1, 2026
As Low As; Loan Amount: $5,000+
As Low As; APR* as low as; >$10,000
Term: Flexible terms available; Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. Rates apply to new loans to Patriot. Example: $7,500 loan, monthly payment will be $249.07 for 36 months at 11.99%. Other rates and terms available. Rates may change without notice. All loans subject to credit approval. Rates effective as of September 2, 2026
Rates as low as
As Low As
Published APR range: 12.00% - 18.00%.
$10,000 Maximum (Proceeds payable directly to creditors)
$10,000 Maximum
No additional details available.
Loan Amount Eligibility is based on the fair issac credit score: 680-779
Credit Score: 700 - 749
Credit Score: 680 - 729; Grade of Paper: A
As low as
As Low As
No additional details available.
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Signature loans available up to $5000.00
As Low As; Signature Loans rates effective as of April 1, 2026
Credit Score: 640 - 679; Grade of Paper: B
As Low As
Credit Rating: E
No additional details available.
No additional details available.
Loan Amount Eligibility is based on the fair issac credit score: 630-679
No additional details available.
Credit Score: 600 - 639; Grade of Paper: C
As Low As
Maximum Amount: $2,500.00
Credit Score: 650 - 699
No additional details available.
Credit Score: 600 - 649
Maximum Amount: $500.00
Loan Amount Eligibility is based on the fair issac credit score: 530-629
up to $10,000.00; Fixed
Credit Score: 550 - 599; Grade of Paper: D
Loan Amount Eligibility is based on the fair issac credit score: 529-500
Annual Percentage Rate (APR) $1000 minimum loan amount. $20.00 processing fee. Interest rate is 13.50%. Example: $1,000 loan with a 17.37% APR would have a monthly payment of $89.55. Rates may change without notice. All loans subject to credit approval. Rates effective as of September 2, 2026. As low as
Credit Score: 549 or less; Grade of Paper: E
up to $10,000.00; Fixed
As Low As; Loan Amount: $500+
As Low As; Loan Amount: $2,500+
As Low As; Loan Amount: $3,000+
With qualifying credit and direct deposit with automatic payment.
As Low As; Loan Amount: $5,000+
No additional details available.
As Low As; The Annual Percentage Rate (APR) shown is for a personal loan of at least $2,000, with a 2-year term. Your actual APR may be higher than the rate shown. Rates shown are as of 2/10/2026 and are subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.
As Low As; Loan Amount: $5,000+
up to $10,000.00
As Low As; Starting at 9.90% Annual Percentage Rate
As Low As; Loan qualification is based on an assessment of individual creditworthiness and our underwriting standards.
No additional details available.
No additional details available.
As Low As; APR* as low as
As Low As
up to $7,500; As Low As; APR as printed on homepage carousel
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As low as
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As Low As; APR* as low as
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As low as
As Low As; APR* as low as
As Low As
Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00
As Low As; Loan Amount: $5,000+
As Low As; APR* as low as; >$10,000
Rates as low as
$10,000 Maximum
No additional details available.
As low as
As Low As
Credit Rating: A+
Credit Rating: A
Credit Rating: B
Credit Rating: C
Credit Rating: D
$10,000 Maximum (Proceeds payable directly to creditors)
Credit Rating: E
No additional details available.
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Maximum: $10,000
No additional details available.
Maximum Amount: $10,000.00
Published APR range: 8.99% - 17.99%. UP TO $10,000.00
As low as
As Low As; Minimum Loan $500.00
up to $10,000.00
Rates are based on individual credit worthiness. As Low As
No additional details available.
Published APR range: 9.74% - 17.99%.
Up to $2,500
No additional details available.
No additional details available.
No additional details available.
As Low As; Rate subject to change without notice. Interest rate based on credit score. Terms based on dollar amount financed. Loan subject to credit approval.
Unsecured Personal; $10,000 Maximum; Not available to any member that has a Cosigner Loan
As Low As; Signature Loans rates effective as of April 1, 2026
Loan Amount Eligibility is based on the fair issac credit score: Over 780
As Low As; Signature Loans rates effective as of April 1, 2026
No additional details available.
As Low As; Personal Loans
As Low As; APR* as low as
As Low As; Signature Loans rates effective as of April 1, 2026
No additional details available.
Published APR range: 10.74% - 17.99%.
No additional details available.
No additional details available.
No additional details available.
Maximum Amount: $7,500.00
As Low As; APR* as low as
As Low As; Signature Loans rates effective as of April 1, 2026
As Low As; APR* as low as
As Low As; Signature Loans rates effective as of April 1, 2026
As Low As; APR* as low as; >$10,000
Term: Flexible terms available; Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. Rates apply to new loans to Patriot. Example: $7,500 loan, monthly payment will be $249.07 for 36 months at 11.99%. Other rates and terms available. Rates may change without notice. All loans subject to credit approval. Rates effective as of September 2, 2026
As Low As
Published APR range: 12.00% - 18.00%.
No additional details available.
Loan Amount Eligibility is based on the fair issac credit score: 680-779
No additional details available.
No additional details available.
No additional details available.
Signature loans available up to $5000.00
As Low As; Signature Loans rates effective as of April 1, 2026
No additional details available.
Loan Amount Eligibility is based on the fair issac credit score: 630-679
Maximum Amount: $2,500.00
Maximum Amount: $500.00
Loan Amount Eligibility is based on the fair issac credit score: 530-629
Loan Amount Eligibility is based on the fair issac credit score: 529-500
Annual Percentage Rate (APR) $1000 minimum loan amount. $20.00 processing fee. Interest rate is 13.50%. Example: $1,000 loan with a 17.37% APR would have a monthly payment of $89.55. Rates may change without notice. All loans subject to credit approval. Rates effective as of September 2, 2026. As low as
Compare local Star City, WV 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.
West Virginia personal loan rates rose 0.114 points over the past 7 days to 11.079% APR.
West Virginia signature loan rates rose 0.251 points over the past 7 days to 11.037% APR.
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 West Virginia figures.
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.
Estimated monthly payments at the current WV average personal loan APR of 11.08%, across the terms lenders serving Star City, West Virginia most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $233.22/mo | $163.88/mo | $129.42/mo | $108.91/mo |
| $10,000 | $466.45/mo | $327.76/mo | $258.84/mo | $217.82/mo |
| $15,000 | $699.67/mo | $491.64/mo | $388.26/mo | $326.73/mo |
| $25,000 | $1,166.12/mo | $819.41/mo | $647.10/mo | $544.55/mo |
| $35,000 | $1,632.56/mo | $1,147.17/mo | $905.94/mo | $762.37/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.
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 WV personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (WV average) | 11.08% | $388.26 | $3,636 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,514 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,048 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,640 |
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.
Most lenders serving Star City, West Virginia will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
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.
Credit unions consistently publish the lowest personal loan APRs in our West Virginia data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
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.
Local demographics and economic context for borrowers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $388 monthly loan payment is roughly 11.6% of the median individual income in West Virginia. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
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 Star City, West Virginia.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1 to 3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3 to 5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current WV 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.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Star City, West 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 Star City, West 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 Star City, West Virginia. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in WV.
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.
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.
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.
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.
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.
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
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.
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.