Best Personal Loan Rates in Racine, Wisconsin - 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 Racine, Wisconsin include: Town BankTown Bank5005 Washington Ave, Racine, WI, 53406A+5.0 ★Texas Ratio: 1.36% offering Loan at 6.75% APR, MCU Financial Center Credit UnionMCU Financial Center Credit Union1907 Lathrop Ave, Racine, WI, 53405A+5.0 ★Texas Ratio: 5.11% offering Personal Loans at 11.49% APR, Landmark Credit UnionLandmark Credit Union3413 Rapids Dr, Racine, WI, 53404A+5.0 ★Texas Ratio: 3.79% offering Personal Loan at 12.05% APR, Prospera Credit UnionProspera Credit UnionA+5.0 ★Texas Ratio: 2.14% offering Special Intro Rate Loan at 3.99% APR, and Oakdale Credit UnionOakdale Credit UnionA+5.0 ★Texas Ratio: 0.42% offering Recreational - Used Loan at 3.99% APR. Personal loan rates as of July 28, 2026 according to verified data from MonitorBankRates.
Racine has 3 local institutions in our database, with personal loan rates as low as 6.75% APR from Town Bank at 5005 Washington Ave, Racine, WI, 53406. 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 Racine, Wisconsin.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Racine, 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: July 28, 2026
Racine Personal Loan Rates
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Intro rate expires: 12 months; Regular APR: 5.99%3
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$5,000 unsecured loan. No payments for 90 days. No origination fee. Fast approval to get funds in your hands quickly. Applications accepted through August 1, 2026.
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The lowest rates around for your new Cycle!
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As low as; Age of Vehicle: New - 2017
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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
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12 payments of interest only on the amount of credit outstanding during the construction period at an interest rate of 3.890%<br/>1 payment of $300,000 at maturity
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Monthly Payment Per $1000 Borrowed: $43.82
As Low As; Minimum Loan Amount: $500
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As Low As; Financing options starting at as little as 5% down.
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Get a LOT for a little with our 4.99% APR residential lot loan!
Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
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***Balloons note amortized up to 10 years
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up to $15,000; As Low as; Loan amount up to $15,000
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Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
***Balloons note amortized up to 10 years
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As Low As; Minimum Loan Amount: $5,000
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Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. As Low As; Rates as of 07/06/2026 at 8:41 AM. Subject to change without notice.
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As low as; Age of Vehicle: New - 2017
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up to $15,000; As Low as; Loan amount up to $15,000
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APR = Annual Percentage Rate. Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. NMLS ID #421669.
APR = Annual Percentage Rate. Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. NMLS ID #421669.
APR = Annual Percentage Rate. Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. NMLS ID #421669.
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As Low As; Minimum Loan Amount: $10,000
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Monthly Payment Per $1000 Borrowed: $30.26
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Credit Score: 780 - 799
Credit Score: 800 & Higher
up to $15,000; As Low as; Loan amount up to $15,000
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Monthly Interest Only Payment Example: $1,145.83
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Credit Score: 760 - 779
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B
Credit Score: 740 - 759
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As Low As; ***Monthly Payment Per $1000 Borrowed: $44.87
Monthly Payment Per $1000 Borrowed: $23.48
Intro rate expires: 12 months; Regular APR: 5.99%3
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Monthly Payment Per $1000 Borrowed: $19.46 (60 Months)
As Low As; Minimum Loan Amount: $15,000
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As Low As; LTV 80% or Less. First or s econd lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required. Minimum payment shall be: $150.00 or $1.50 per $100.00 (and fraction thereof) of the principal loan balance as of the date of the most recent advance.
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Variable (interest only)
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20% Down on $200,000 Mortgage, 30 year Amortization 60 monthly payments of $1,247.74 Balloon payment of $187,943.63
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As low as; Age of Vehicle: 2016 & Older
Racine Personal Loan Rates
As Low As; Rate accurate as of June 2, 2026
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Racine Debt Consolidation Loan Rates
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
Racine Signature Loan Rates
Racine, WI Personal Loan Rate Trends
Compare local Racine, 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 0.423 points over the past 7 days to 11.267% APR.
Wisconsin signature loan rates fell 0.314 points over the past 7 days to 10.656% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Racine, Wisconsin 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 Racine, Wisconsin 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 Racine, Wisconsin. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in WI.
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 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 Racine, Wisconsin?
What are the best personal loan rates in Racine, Wisconsin?
- Town Bank: 6.75% (Loan)
- MCU Financial Center Credit Union: 11.49% (Personal Loans)
- Landmark Credit Union: 12.05% (Personal Loan)
- Prospera Credit Union: 3.99% (Special Intro Rate Loan)
- Oakdale Credit Union: 3.99% (Recreational - Used Loan)
Personal Loan Calculators
