Best Personal Loan Rates in Gratiot, Wisconsin (WI) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Gratiot, Wisconsin include: PCM Credit UnionPCM Credit UnionA+5.0 ★Texas Ratio: 3.63% offering Collateral Loan at 3.99% APR, Premier Financial Credit UnionPremier Financial Credit UnionA+5.0 ★Texas Ratio: 5.10% offering Spring Fling Loan Special at 3.99% APR, Advia Credit UnionAdvia Credit UnionA+5.0 ★Texas Ratio: 4.78% offering Share/Certificate Loan at 4.00% APR, Capital Credit UnionCapital Credit UnionA5.0 ★Texas Ratio: 7.58% offering Loans with Collateral at 4.24% APR, and Focus Credit UnionFocus Credit UnionA+5.0 ★Texas Ratio: 3.44% offering New Motorcyle Loans at 4.29% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Gratiot borrowers have access to 64 lenders serving the Wisconsin area, with personal loan rates as low as 3.99% APR from PCM Credit Union. 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 Gratiot, Wisconsin.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Gratiot, Wisconsin. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 12, 2026
Credit Score 735+
As Low As
Up To 60-Mos Term 4; Loan rate is 2% above existing CD rate; however, rate cannot be lower than floor rate.
Credit Score 735+
No additional details available.
As Low As; The lowest rates around for your new Cycle!
As Low As
12 payments of Interest Only on the amount of credit outstanding during the construction period at an interest rate of 3.890% one payment of $375,000 and any unpaid interest due at maturity
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
+ 1% Credit Score 636-734
As Low As
***Balloons note amortized up to 10 years
***Balloons note amortized up to 10 years
***Balloons note amortized up to 10 years
No additional details available.
Credit Score 735+
No additional details available.
***Balloons note amortized up to 10 years
As Low As
Installation-Up to 18 Months
As Low As; up to 30 year amortization
No additional details available.
No additional details available.
12 months
+ 2% Credit Score 635 or less
As Low As
No additional details available.
+ 1% Credit Score 636-734
120 months
No additional details available.
No additional details available.
No additional details available.
Maximun 15-yr term. Maximum loan is 90% of appraised value or purchase price - whichever is less. Maximum loan is $500,000.00. Lots can be in a subdivision. Land is for recreatioanl purpose or future, primary, single-family residence.
As Low As
As Low As
with BLC relationship
No additional details available.
No additional details available.
As Low As; during construction phase.
As Low As
As Low As
180 months
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
18 months
As Low As
As Low As
As Low As
As Low As
without relationship
+ 2% Credit Score 635 or less
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
24 months
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
As Low As; Up to $5,000 max 36 month term
No additional details available.
As Low As
As Low As
As Low As
As Low As
above 24 months
As Low As
As Low As
up to $7,500; As Low As
As Low As; $500 to $15,000
Monthly Payment per $1000; $87.77; with Direct Deposit & Autopay**
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Monthly Payment per $1000; $46.12; with Direct Deposit & Autopay**
As Low As
As Low As
As Low As
Over $2,000; As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
Monthly Payment per $1000; $87.77
No additional details available.
As Low As
($1,000 - $15,000)
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
As Low As; $500 to $15,000
As Low As
As Low As
As Low As
As Low As
As Low As; *Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
As Low As
Under $10,000; As Low As
No additional details available.
As Low As
No additional details available.
Monthly Payment per $1000; $46.12
As Low As
No additional details available.
As Low As; Rates are determined by your personal credit history, loan term, and account relationship with UnitedOne Credit Union. Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $1,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000 borrowed include optional debt protection. First payment may be deferred up to 90 days. Finance charge begins accruing when loan is funded.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
Up to
As Low As; MAX. limit <2000$ Terms @ 12months
No additional details available.
As Low As
No additional details available.
$1,000; As Low As
As Low As
No additional details available.
As Low As; *Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
12 months
As Low As
18 months
As Low As
24 months
As Low As
above 24 months
As Low As
No additional details available.
As Low As
Monthly Payment per $1000; $87.77; with Direct Deposit & Autopay**
Monthly Payment per $1000; $46.12; with Direct Deposit & Autopay**
As Low As
As Low As
As Low As
Monthly Payment per $1000; $87.77
No additional details available.
As Low As
Under $10,000; As Low As
Monthly Payment per $1000; $46.12
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
As Low As
No additional details available.
As Low As
Over $2,000; As Low As
As Low As
No additional details available.
No additional details available.
As Low As
($1,000 - $15,000)
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
No additional details available.
As Low As
As Low As; *Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
As Low As
No additional details available.
No additional details available.
$1,000; As Low As
As Low As
As Low As; *Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.
Gratiot, WI Personal Loan Rate Trends
Compare local Gratiot, WI 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.
Wisconsin personal loan rates rose 0.021 points over the past 7 days to 11.178% APR.
Wisconsin signature loan rates fell 0.139 points over the past 7 days to 10.683% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Wisconsin?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Wisconsin?
Are credit unions or banks better for personal loans in Gratiot, Wisconsin?
What are the best personal loan rates in Gratiot, Wisconsin?
- PCM Credit Union: 3.99% (Collateral Loan)
- Premier Financial Credit Union: 3.99% (Spring Fling Loan Special)
- Advia Credit Union: 4.00% (Share/Certificate Loan)
- Capital Credit Union: 4.24% (Loans with Collateral)
- Focus Credit Union: 4.29% (New Motorcyle Loans)
Personal Loan Calculators
