Current personal loan rates nationwide range from 4.00% to 4.50% APR across the five lenders featured below, verified by MonitorBankRates as of September 29, 2026. Top personal loan rates currently available include: Evergreen Credit UnionEvergreen Credit Union1500 W American Dr, Neenah, WI, 54956A+5.0 ★Texas Ratio: 5.16%'s Signature Loans has an APR of 4.00%, MembersAlliance Credit UnionMembersAlliance Credit Union2550 S Alpine Rd, Rockford, IL, 61108 7813A+5.0 ★Texas Ratio: 3.08%'s Loan Consolidation has an APR of 4.25%, Haverhill Fire Department Credit UnionHaverhill Fire Department Credit Union75 Kenoza Ave, Haverhill, MA, 01830 4132A+5.0 ★Texas Ratio: 0.11%'s Share Secured/Credit Building Loan has an APR of 4.49%, Maui Teachers Federal Credit UnionMaui Teachers Federal Credit Union2145 Wells St Ste 101, Wailuku, HI, 96793A+5.0 ★Texas Ratio: 0.00%'s Solar Heater Loan has an APR of 4.50%, and Reading Berks School Employees Credit UnionReading Berks School Employees Credit Union4641 Pottsville Pike, Reading, PA, 19605A+5.0 ★Texas Ratio: 2.71%'s PLEDGED SHARE LOANS has an APR of 4.50%. Rates as of September 29, 2026 per MonitorBankRates.
A personal loan is a fixed-rate installment loan repaid in equal monthly payments over a set term — usually one to seven years. Borrowers use them to consolidate credit card debt, fund home improvements, cover medical bills, or handle an unplanned expense. Because the rate and payoff date are locked from day one, the cost is predictable in a way revolving credit never is.
Looking for a specific type? Debt consolidation loans are built for rolling multiple balances into one payment, and signature loans are the unsecured, credit-union style version of this product.
We display transparent financial health metrics — A–F Safety Grades, Star Ratings, and Texas Ratios — so you can borrow from a stable, highly-rated institution.
Rates reflect actual verified offers. Last Updated: September 29, 2026
Annual Percentage Rate. No credit check required. Rates effective 09/16/2026.
Variable Rate**
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Rate reflects a .50% discount for Automatic Payment. Must meet credit and income criteria. Rate quoted is the preferred rate with a minimum 720 FICO. Subject to credit approval and membership eligibility. Other rates and terms available. UCC1 lien will be recorded on property. Restrictions may apply. Membership required.
Secured by Shares; Maximum Amount: $50,000
No additional details provided.
No additional details provided.
Rate quoted based on 36 month term, $500 up to $30,000 for an Anything Loan or borrow $1,000 up to $30,000 for a Debt Consolidation Loan. Rates and terms may be different as determined by collateral and individual credit worthiness. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).
Published rate range: 5.00% - 17.00%. Maximum Loan Amount is $20,000. Lower limits may be applicable.
No additional details provided.
Up to 100% Collateralized Share Balance; As Low As; **Payment As Low As $85.61
Term: A+ Credit | Up to 36 Months
Must provide proof of studentship.
Credit Score of 750
Variable Rate**
Rate/APR*
Fixed Rate*
As low as; Minimum: $300.00; Maximum: $50,000.00
As Low As
Loan Amount: $6,000 to $9,999
No additional details provided.
No additional details provided.
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 7.70%
Monthly interest payments based on the amount outstanding
As low as; A loan for anything in your life. Vacations, weddings, medical costs, adoption costs, and much more. A fixed term low rate personal loan can help. We're here to help you get the right loan personalized for your unique situation.
No additional details provided.
As Low As
Fixed Rate*
Term: 5, 10 and 15 year fixed rate; Rate is dependent on credit history; Available in all states except for Hawaii and Alaska
No additional details provided.
Term: 60 Month & 120 Month Terms; Maximum $75,000.00
Oferta valida hasta el 30/9/26
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 8.10%
No additional details provided.
Secured Loan Pricing - Base Rates (as low as)
No additional details provided.
With Inspired Checking As low as 5.74%
No additional details provided.
Rates as low as; With 1st National Deposit Account as Collateral
Loan Amount: $10,000 to $19,999
Rates as low as; Our personal loan is your perfect solution to make purchases or pay for your dream trip. From vacation travel, holiday spending, or even an appliance purchase, you can get the money you need without spending a fortune. Featuring a fixed low rate and an easy-to-make payment, apply for a personal loan today!
Loan Type: Signature Loan
Up to $15,000; As low as
Maximum Amount: $50,000
Published rate range: 6.00% to 15.00%.
with credit score 650 or >; Rate with Maximum Discount*: 5.75%; Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
No additional details provided.
No additional details provided.
Published rate range: 6.24% - 17.99%.
Minimum Loan Amount: $0; Maximum Loan Amount: $100,000
As Low As; 72-Month Eco Personal Loan ($5,000 min, $50,000 max)
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details provided.
Credit Grade: A+
Published APR range: 6.25% - 12.00%. Maximum loan amount: up to $85,000.00*
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 8.70%
Includes .25% auto pay rate discount.
Max Amount: $100,000
As Low As
Minimum Loan Amount: $10,000; Maximum Loan Amount: $100,000
Maximum amount $150,000
Rates as of 09/26/2026. Monthly payments per $1,000 for 36 months at 6.49% APR is $30.98. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria.
Rates as of 09/26/2026. Monthly payments per $1,000 for 36 months at 6.49% APR is $30.98. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria.
Rates as of 09/26/2026. Monthly payments per $1,000 for 36 months at 6.49% APR is $30.98. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria.
As Low As; Auto Pay Discount: 6.39%
No additional details provided.
Annual Percentage Rate
Loan Amount: $20,000 to $49,999
As Low As; Special fixed
As low as
Published APR range: 6.50% - 16.75%.
Additional APR listed for this product: 8.750%.
As Low As
Credit Grade: B
As Low As; Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
No additional details provided.
No additional details provided.
Additional APR listed for this product: 7.50%, 12.50%, 14.50%, 17.50%. Based on individual applications
Credit Score: 660 and up
No additional details provided.
No additional details provided.
Published APR range: 6.50% - 12.00%. Maximum loan amount: up to $80,000.00*
Maximum of one (1) per member.
As Low As; Personal Unsecured Loans
As low as
The minimum loan amount for the 12 month term is $1,000.
No additional details provided.
No additional details provided.
Additional APR listed for this product: 8.99%. As low as
Published APR range: 6.72% to 18.00%. Fixed
Max Amount: $100,000
Published APR range: 6.74% - 10.74%.
As low as; Loan Amount: Up to $25,000
No additional details provided.
Minimum Loan Amount: $25,000; Maximum Loan Amount: $100,000
Down Payment: 0%
Published APR range: 6.75%-10.75%. *The APR is the Annual Percentage Rate, which may vary based on based on factors like loan amount, credit score, and other variables. Please Contact Us for more information on all available loan rates and programs. Rates current as of January 2, 2026. Rates subject to change without notice.
No additional details provided.
No additional details provided.
As Low As; 84-Month Eco Personal Loan ($10,000 min, $50,000 max)
As Low As; Please contact one of our friendly Member Service Representatives for more details.
Loan * A.P.R.= Annual Percentage Rate. Actual A.P.R. may differ based on collateral, loan amount, term length, and borrower's credit profile. **This rate is based on the Prime Rate of 6.75% as published in the Wall Street Journal as of January 1, 2026. The rate above is for 'A' credit borrowers, automatic payments , and based on the Prime Rate plus a margin of 3% (for ATML). Rates are subject to change, with a maximum of 18% APR. Rate changes occur on the first day of the month. Rates without automatic payments are .50% higher.
$4,999
Additional APR listed for this product: 9.250%.
Margin: 3.000%
Credit Grade: C
As Low As; Personal Loans
As Low As
As Needed
As Low As; *
No additional details provided.
Term: 6 months to 72 months; Your rate, term, loan amount, and payments will vary based on creditworthiness and loan underwriting guidelines. Our personal loans do not have fees, only the Quick Cash loan has an application fee, see below for those terms and conditions. Loan interest begins to accrue on the open date of the loan. Delaying the first payment for 30 days or more increases the amount of interest paid over the term of the loan.; APR range: 6.75% APR to 17.25% APR
As low as
As Low As
As Low As
No additional details provided.
No additional details provided.
Rates Starting At...
No additional details provided.
Additional APR listed for this product: 7.09%.
Published APY range: 6.89%-8.89%; Published APR range: 6.89%-8.89%.
As Low As; ***; Signature
Additional APR listed for this product: 10.50%. Credit Score: A+ = 750+
No additional details provided.
No additional details provided.
Term: 180 Month & 240 Month Terms; Maximum $75,000.00
Limit of $10,000.00
As low as
As Low As
APR with Discount as low as*: 6.45%
As low as
Amount: $3,000 to $30,000
As low as
Rates as Low As
As Low As; Rate: 6.99%
No additional details provided.
One Signature - $5,000.00; Two Signatures - $10,000.00
As Low As
As low as; $8,500 Maximum
Rates as low as
As low as
Loan Amounts: $1,000-$1,500
Rates are 'as low as'.
As Low As; Amount: Up to $40,000
No additional details provided.
Borrow up to $20,000
Rates effective as of 8/3/2026
$5,000 limit
No additional details provided.
As Low As
Published APR range: 6.99% to 15.99%.
Special Rate; As Low As
Loan amounts of $500 - $30,000
As low as
FICO Score: Platinum 740+
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
No additional details provided.
No additional details provided.
Back to School Special: Fixed 6.99% APR for qualifying borrowers on unsecured loans up to $2,500 for up to 24 months.
Published APR range: 6.99% - 10.99%.
No additional details provided.
With Inspired Checking As low as 6.74%
No additional details provided.
Credit Score: 740+; Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle. Rates are based on your credit history and credit qualifications. Maximum loan repayment period is 48 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
Published APR range: 6.99% - 16.00%. Min-Max Amount: $500 - $5,000
Credit Score: 740+; Property Lien required and home must not be under a Trust. $250 loan fee required. Maximum loan amount is $100,000.
Solar projects on primary home only. No equity required. Some restrictions apply. Merit based price in effect; actual rate may vary based on your credit score. Terms up to 10 years. $20,000 maximum loan. Rates effective 09/16/2026.
As low as*
Secured by Share Certificate
Published APR range: 6.99% - 14.24%.
No additional details provided.
As low as
No additional details provided.
Prime = Wall Street Journal Prime Rate, which is 7.00% as of 09/25/2026. Rates are subject to credit qualification. Personal secured lines can be secured with GRB deposits or marketable securities. The bank will consider other sources of collateral, such as real estate, on a case-by-case basis. Rate is variable at Wall Street Journal Prime + 1.00%. With a deposit relationship, rate is variable at WSJ Prime + 0.00%. All secured personal lines of credit have floors of 4.00% and ceilings of 15.00%. The WSJ Prime rate is 7.00% as of 09/25/2026.
Prime = Wall Street Journal Prime Rate, which is 7.00% as of 09/25/2026. Rates are subject to credit qualification. New vehicles (cars, boats and RVs) are considered those within two years from the current model year or previously unregistered. Additional fees apply for vehicles ($5.00 DMV MV901 filing fee for titled vehicles; $40.00 VCC filing fee for non-titled vehicles).
Published rate range: 7.00% to 16.50%.
Credit Grade: A+; APR
No additional details provided.
Term: Up to 3 years (36 mos.); Published APR range: 7.00% to 10.50%. A signature loan based on income and credit history.
$20,000; As Low As; *
Starting at
$30,000
Dollar Limit: $15,000
Published rate range: 7.00% - 15.00%. Maximum Loan Amount is $20,000. Lower limits may be applicable.
Term: 12 months - 60 months; Published APR range: 7.00% - 14.00%.
As Low As
No additional details provided.
As low as; Subject to change
Credit Score: 725 - UP
Loan amounts up to $30,000, terms up to 84 months. Monthly payments on a $10,000 loan for 36 months could be as low as $318.00.
No additional details provided.
As low as
Published APR range: 7.00% - 17.00%.
Term: 36 Months - As Low As; As Low As; Fixed
As low as
Additional APR listed for this product: 9.750%.
In-ground pools only (can include hardscape - concrete and fencing); minimum loan amount $10,000; maximum loan amount $70,000; A mortgage will be filed on the property -mortgage tax, recording fees and flood certification will be paid by CU, if the loan is paid off within the first 24 months of origination the fees will be paid back by the borrower (TRID rule apply - LE and CD need to be issued - there will be a 3 day rescission period before funds can be disbursed); Items needed at application include estimate from the contractor installing the pool, copy of deed (showing ownership of property), income verification may be requested. Rates are valid as of 09/28/2026.
add .50% APR if payment is not auto deducted from checking account with full direct deposit into the checking account with PFCU
Maximum Financing: $20,000; Tier: A
Credit Grade: A (850-680)
Starting as low as
As Low As; $500.00 minimum up to $14,999.00
Amount: Up to $25,000; Credit Tier: 680-739 credit score
$500 - $3,500; Published rate range: 7%-15%*.
Min/Max: 400/30,000
As Low As
No additional details provided.
As Low As; APR = Annual Percentage Rate. Advertised rate is "as low as" and is determined by the credit worthiness of each applicant. Rates are subject to change without notice. Rates are for new ONE Credit Union loans, current ONE Credit Union loans are not eligible for rate refinancing.
As Low As
No additional details provided.
No additional details provided.
$12
Published rate range: 7.00%-14.00%.
The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
FICO Score: 700 or more
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Published APR range: 7.00%-16.00%.
As Low As
No additional details provided.
A customizable personal loan with a fixed monthly payment that does not require any collateral. Plus Certificate of Deposit Rate
Rates are subject to change and based on creditworthiness. Other rates may apply.
A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Published APR range: 7.19% - 14.44%.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
Minimum Loan Amount: $200
As Low As; Rate applies to 5.99%, 5.99%, 5.99%
The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
Published APR range: 7.24% - 11.24%.
With Inspired Checking As low as 6.99%
With Direct Payment Discount
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
No additional details provided.
Additional APR listed for this product: 8.250%.
Credit Grade: A+; APR
No additional details provided.
As Low As; 96-Month Eco Personal Loan ($10,000 min, $50,000 max)
No additional details provided.
No additional details provided.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details provided.
Credit Score: 675-724
Published APR range: 7.25% - 18.00%.
As Low As; Signature**
$8,000 - $10,000
As low as
Loyalty rate displayed.
Additional APR listed for this product: 10.250%.
As Low As
No additional details provided.
Credit Union rates range from ONLY 7.25% to 13.25%
As low as
As low as
up to $50,000; Published APR range: 7.25 - 15.25%.
As low as
No additional details provided.
As low as; Rates effective 09/01/2025. The maximum that an applicant can borrow for a Signature Loan is $10,000.
As low as
No additional details provided.
Additional APR listed for this product: 9.340%, 9.840%.
Rates Starting At...
As low as
Up to $25,000. $2.00 per $100 borrowed.
No additional details provided.
Rates as low as 7.45% APR; Flexible terms to fit your budget; No prepayment penalties; Fixed monthly Payments; Single/Joint Life insurance available; Single/Joint Disability insurance available
Personal/Signature loan rates as low as 7.45% APR*. Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months.
As Low As; *
Based on $10,000 loan amount
Published APR range: 7.49% - 18.00%. $1,000 - $50,000. Fixed Rate.
Published APR range: 7.49% - 18.00%. $1,000 - $50,000. Fixed Rate.
As Low As
No additional details provided.
No additional details provided.
As Low As; Rate: 7.49%
These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate.
As low as; *
No additional details provided.
As Low As
Proof of expenses required, may be used for pet care and funeral expenses as well
As low as
No additional details provided.
Borrow up to $20,000
Minimum Loan Amount: $1,000
No additional details provided.
Published APR range: 7.49% - 17.99%. Fixed rates during the life of the loan.
As low as; $20,000 maximum
As Low As; Up to $25,000
As Low As; Loan amount: $1,001 to $75,000
Published APR range: 7.49% - 11.49%.
No additional details provided.
As Low As
As Low As
As Low As; Rates subject to change at any time. All loans subject to approval and terms. Rates include all possible discounts. Contact us to determine which discounts apply to you.
Published APR range: 7.49% - 14.74%.
No additional details provided.
As Low As; Auto Pay Discount: 7.39%
Additional APR listed for this product: 8.750%.
Up to 106.25% financing available for qualified members, terms available with certain restrictions and nominal rate increase; Rates and terms are subject to change without notice; Rates are based on the term of loan and credit history
Credit Grade: A+; APR
Published APR range: 7.50% - 13.75%. APR*
No additional details provided.
Term: Up to 5 years (60 mos.); Published APR range: 7.50% to 12.00%. A signature loan based on income and credit history.
As low as; Personal ($30,000 max)**~
As Low As
As low as
Dollar Limit: $15,000
As low as
As Low As; Number of Signatures: 1
As low as
Published APR range: 7.50% - 17.50%.
As Low As
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
No additional details provided.
No additional details provided.
As Low As
As low as
Published APR range: 7.50% to 16.00%.
Published APR range: 7.50%-17.80%.
Credit Grade: B (640-679)
Rates are listed "As low as" Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or an upcharge of .50% will be added to the rate. This is subject to change without notice
Credit Score: 760+; Credit Tier: A+
As low as; Personal Loan
No additional details provided.
Published APR range: 7.50% - 18.00%.
As low as 7.50%
Rates shown include a 2.00% discount for automatic loan payments.; Rates shown are the lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.; Loan proceeds must be used for new equipment.; Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more.; Refinance loans incur an additional 0.50% added to the rates shown above.; APR = Annual Percentage Rate. All rates and programs are subject to change at any time.; See "loan fees" tab for associated fees.; As Low As
Rates as low as 7.50% APR. Flexible terms designed to match your solar payback period.
As Low As
As Low As
As Low As; APR = Annual Percentage Rate. Advertised rate is "as low as" and is determined by the credit worthiness of each applicant. Rates are subject to change without notice. Rates are for new ONE Credit Union loans, current ONE Credit Union loans are not eligible for rate refinancing.
up to $10,000; Published APR range: 7.50% - 11.50%.
As low as APR*
Credit Score: 660 and up
No additional details provided.
Personal loan and requires a co-signer. The total amount of unsecured loans from DPECU can not exceed $8,000. Based on credit score.
As Low As
Published rate range: 7.50% - 16.00%. Signature*
As Low As
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
No additional details provided.
As Low As; Personal Unsecured Loans
Published APR range: 7.59% - 14.84%.
As Low As
No additional details provided.
Rates Starting At...
Get $2,500 as low as 7.64%; Call Lisa for details
Based on $10,000 loan amount
As low as
No additional details provided.
As low as; *
As Low As
Minimum Loan Amount:
As low as
Loan amount: Up to $50,000; Payment example: A loan of $2,500 for 36 months will have a monthly payment ranging from $78.04 to $90.99.
Credit Score: 700-739; Property Lien required and home must not be under a Trust. $250 loan fee required. Maximum loan amount is $100,000.
As low as
Maximum Available Term: Up to 60 months
Published APR range: 7.74% - 15.24%.
Published APR range: 7.74% - 18.74%.; Model Year: 2016 - 2020
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
No additional details provided.
Credit Level: Gold; Credit Score: 730 and Up
Term: 5 Year Draw / 5 Year Repay
Credit Grade: B; APR
No additional details provided.
Published APR range: 7.75% - 14.75%. APR*
As low as; Personal ($30,000 max)**~
No additional details provided.
No additional details provided.
As Low As; *
As low as
No additional details provided.
As low as
No additional details provided.
No additional details provided.
Max Amount: $12,500
No additional details provided.
Credit Score: 750-Above
All loan payments 15 or more days late, will be charged 5% of the interest due, minimum $5.00.
No additional details provided.
Rates are listed "As low as" Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or an upcharge of .50% will be added to the rate. This is subject to change without notice
No additional details provided.
As Low As; Loan Amount: $2501 and Over
As Low As; *
Personal loan and requires a co-signer. The total amount of unsecured loans from DPECU can not exceed $8,000. Based on credit score.
up to $15,000; As Low as
Credit Grade: A
No additional details provided.
Make big moves with rates as low as 7.79% APR.
Published APR range: 7.79% - 15.04%.
No additional details provided.
As Low As
As Low As; Loan Amount: $2501 and Over
No additional details provided.
Rates Starting At...
As low as
7.90% APR 31% Lower than the national average
Published APR range: 7.90% to 17.90%. $15,000 (MAX)
Additional APR listed for this product: 12.00%. Credit Score: B = 640-679
No additional details provided.
No additional details provided.
As low as
As Low As; rates start at 7.9%
Published APR range: 7.90% - 18.00%.
Maximum Amount: $10,000
No additional details provided.
Published APR range: 7.90% to 17.90%.
No additional details provided.
As low as
Published APR range: 7.90% - 16.90%.
Please note rates quoted are the lowest rate available. The rate you will receive on your loan will be determined by your credit score and may be higher. All rates are subject to change without notice.
Limit of $10,000.00
As Low As; Borrow up to $5,000
Rates as low as; Apply Online
No additional details provided.
No additional details provided.
As Low As*
As low as; View Rates >
No early-payment penalty; No collateral required; No hidden fees
Published APR range: 7.95 - 12.95%. Max. $10,000.00
APR with Discount as low as*: 7.75%
As Low As; *
As Low As; Loan Amount: $2501 and Over
As Low As; *
APR as low as
Published APR range: As low as 7.95%. As Low As; The annual percentage rate you pay will be based on the number of months your loan is financed, the loan type and your credit history. The APR will be disclosed prior to an advance being made on a loan. Loan terms may vary based on value and type of collateral.
A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
As Low As; Financing: Up to $35,000
No additional details provided.
No additional details provided.
No prepayment penalties; Payment protection available
No additional details provided.
As Low As; *1
2APR = Annual Percentage Rate
Maximum APR: 18.00%; The Signature rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage. APR as low as
Published APR range: 7.99% to 12.99%.
As Low As; Rate: 7.99%
As low as; Loan approval based and APR based on credit worthiness. Other restrictions and terms may apply.
Payment sample: fixed-rate loan for $15,000 at 7.99% and an Annual Percentage Rate (APR) of 7.99% would have a monthly principal plus interest payment of $470. Other rates and terms available. Membership eligibility requirements apply.
One Signature - $5,000.00; Two Signatures - $10,000.00
Amount Financed: up to $20,000
As low as
Published APR range: 7.99% - 16.46%. Fixed
As Low As
Promotional rate available from September 1 to December 31, 2026. Limit one per member. Existing loans must be paid in full through refinance. Automatic payments and direct deposit into an IFCU checking account are required.
***
As low as
As Low As
No additional details provided.
As low as; Minimum: $300.00; Maximum: $25,000.00
As low as 9.99%; Borrow up to $15,000
Loan Amounts: $3,001-$6,500
Secured Loan Pricing - Base Rates (as low as)
Published APR range: 7.99% to 17.99%.
All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Some restrictions may apply.
No additional details provided.
No additional details provided.
No additional details provided.
**
Credit Score: 725+
APR=Annual Percentage Rate
No additional details provided.
Borrow up to $20,000
As low as
Minimum Loan Amount: $5,000
Daily average APR for personal loans
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
Personal loan APRs rose 0.120 points to 10.99%, up from 10.87% last week.
A personal loan is one of the most flexible borrowing products available — the lender hands you a lump sum and you repay it on a fixed schedule, with very few restrictions on how it’s spent. These are the uses that account for most of the market.
The single most common use. Rolling several credit card balances into one fixed-rate loan usually cuts the interest rate sharply and replaces revolving debt with a guaranteed payoff date. See debt consolidation loan rates.
For projects too large for cash but where you’d rather not put the house up as collateral. If you have substantial equity and time to close, a home equity loan will normally price lower — the trade-off is that your home secures it.
Often cheaper than a payment plan or a medical credit card once a deferred-interest promotion expires. Ask the provider about an interest-free in-house plan first — if one exists, it beats any loan.
Appliances, furniture, or a large one-off expense. Compare against store financing carefully: retail “no interest if paid in full” offers often charge all deferred interest retroactively if any balance remains at the deadline.
Faster than most alternatives, with funding commonly in one to three business days. Still cheaper than carrying the expense on a credit card, though an emergency fund in a high-yield savings account costs nothing at all.
Most personal loan agreements prohibit using the funds for post-secondary tuition, business capital, gambling, or investing. If your purpose falls into one of those, read the loan terms before applying rather than after.
Estimated monthly payments at the current average personal loan APR of 10.99%, across the terms lenders 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 | $233.02/mo | $163.67/mo | $129.21/mo | $108.69/mo |
| $10,000 | $466.04/mo | $327.35/mo | $258.41/mo | $217.38/mo |
| $15,000 | $699.06/mo | $491.02/mo | $387.62/mo | $326.07/mo |
| $25,000 | $1,165.10/mo | $818.37/mo | $646.03/mo | $543.45/mo |
| $35,000 | $1,631.14/mo | $1,145.71/mo | $904.45/mo | $760.84/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.
This page surfaces the lowest-APR personal loan offers we track across every category — general purpose, debt consolidation, and unsecured signature loans — drawn from the thousands of verified rates in our database. Every APR is sourced directly from the lender’s own website and re-verified regularly.
The lowest verified personal loan APR in our database right now is 4.00% APR from Evergreen Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.
Most lenders will show you an estimated APR using a soft inquiry that doesn’t touch your credit score. Prequalify with several before applying for real — the advertised rate is the best-qualified rate, and what you personally receive can differ by many percentage points.
Origination fees reach 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.
If you have savings or a CD you won’t need to touch, a secured personal loan pledged against it typically carries a materially lower APR and easier approval. The trade-off is real: default puts the pledged asset at risk, so only do this with a payment you’re confident about.
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.
A personal loan is fast and requires no collateral, but it isn’t always the cheapest option. Here’s how it stacks up against the main alternatives.
| 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 (if unsecured) | ✓ 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 1–3 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 3–5% | ● 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 average — or click a 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.