Best Signature Loan Rates — August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top signature loan rates currently available include: River Region Federal Credit UnionRiver Region Federal Credit Union1625 Lutcher Ave, Lutcher, LA, 70071A+5.0 ★Texas Ratio: 2.07%'s Signature Loans has an APR of 3.99%, Blue Flame Credit Union Charlotte, NCBlue Flame Credit Union Charlotte, NC2000 Continental Blvd, Charlotte, NC, 28273A+5.0 ★Texas Ratio: 0.29%'s Personal Lending Loan has an APR of 3.99%, FASNY Federal Credit UnionFASNY Federal Credit Union107 Washington Ave, Albany, NY, 12210 2231A+5.0 ★Texas Ratio: 0.01%'s Signature Loans has an APR of 4.00%, GPO Federal Credit UnionGPO Federal Credit Union4311 Middle Settlement Rd, New Hartford, NY, 13413A+5.0 ★Texas Ratio: 1.97%'s Personal Unsecured Loans has an APR of 4.49%, and Maui Teachers Federal Credit UnionMaui Teachers Federal Credit Union2145 Wells St Ste 101, Wailuku, HI, 96793A+5.0 ★Texas Ratio: 0.00%'s Signature Loans has an APR of 4.50%. Rates as of August 29, 2026 per MonitorBankRates.
A signature loan — sometimes called a good-faith loan — is an unsecured personal loan backed solely by your signature and promise to repay. No collateral is required. Lenders rely entirely on your credit score, income, and repayment history to set the rate, making your creditworthiness the key variable.
Signature loans are the unsecured, credit-union flavour of a personal loan. If you want the broader picture — including secured options and every use case — start with personal loan rates, or see debt consolidation loans if you’re combining balances.
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: August 29, 2026
Compare Signature Loan Rates
As Low As; Copy of invoice from school/college required
Rates listed are as low as. Actual rate based on individual credit.
No additional details provided.
As Low As; *
No additional details provided.
No additional details provided.
Score: A+; Range: 730 and over
No additional details provided.
As low as; Rate listed reflects 760+ FICO 8 credit score.
No additional details provided.
No additional details provided.
Rate includes Auto Pay discount. Auto Pay = 0.25% rate discount with an automatic payment.
As low as
No additional details provided.
For a $10,000 loan based on a term of 60 months with a 5.00% APR, the monthly payment will be $189.00.
No additional details provided.
No additional details provided.
Maximum Amount 100% of regular shares. Est. Payment/$1,000 borrowed $18.87 based on 60mo term. FAIR Lending Program: The rate you pay will be based on the number of years your loan is financed plus your credit history.
As Low As; With Approved Credit
As low as; Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
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As Low As; Must provide proof of studentship.
Unsecured up to $15,000. All above rates are based on certain credit worthiness criteria. Some loans greater than 5 years are subject to a demand feature. Rates and monthly payments shown are out lowest available and include a 0.25% relationship discount for members with two qualifying services as determined by the credit union. The relationship discount cannot be combined with other discounts or promotional offers. Actual interest rates may vary based on your credit history, age of collateral, and loan term. Rates will be higher when refinancing an existing Meadowland Credit Union loan if at least $5,000 in new funds is not added to the loan. All Rates are Subject to Change
Additional Requirements: 1 Current Pay Stub, Application
Rates are fixed per credit union as of 10/2024
No additional details provided.
$3,000.00; *1 per member ** Not included in signature limit
No additional details provided.
Score: A; Range: 680-729
Credit Score: A 700 & Up
As Low As; ***
6.40% APR; 7.40% APR
As low as; Unsecured Personal Loan Max $2,500
As low as
As Low As
As low as
As Low As
As Low As
No additional details provided.
Loan Amount: $6,000 to $9,999
As Low As
Starting at
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Rates effective October 27, 2023
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As Low As
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As Low As; Rates as low as 5.9% for up to 36 months.
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As low as
Secured Loan Pricing - Base Rates (as low as)
Credit Score: 730 and above; buy GAP
As Low As; Rates subject to change without notice.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
up to $2,500.00; As Low As
Rates as low as
Rate Update: January 1, 2025
As Low As; Signature - $20,000 max.
Loan Amount: $10,000 to $19,999
No additional details provided.
As Low As
As Low As; With Approved Credit
Rates as low as. 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!
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
No additional details provided.
+2.00% above Share Savings Dividend Rate*
Rates From 6.00% APR*
May receive a 0.25% discount if loan payment is payroll deduction or autopay.
As Low As;*
As low as; New Money Only; MOVING SALE! Lower Loan Rates NOW through October 31, 2026
Score: B; Range: 640-679
No additional details provided.
No additional details provided.
Regular APR: 6.00%
Rate with Maximum Discount*: 5.75% | Credit score 650 or >
**
As Low As
No additional details provided.
Get the money you need.
Rates as Low as 6.09% APR* Members are eligible after 6 months of employment Member can qualify for 2 times their gross monthly income not to exceed $10,000.00.
$3,000.00; *1 per member ** Not included in signature limit
No additional details provided.
Maximum $49,999.99 Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
Up to $5,000
As Low As; 72-Month Eco Personal Loan ($5,000 min, $50,000 max)
As low as
Rates as low as 6.25% APR*
No additional details provided.
Credit Score: 730+
As Low As; Apply Now
No additional details provided.
Unsecured, As Low As
Fixed
No additional details provided.
Includes .25% auto pay rate discount.
As low as
As low as
As low as; Unsecured
As Low As
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Loan amount up to $75,000
As Low As; Auto Pay Discount: 6.39%
As Low As
Loan Amount: $20,000 to $49,999
As low as
No additional details provided.
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As Low As
Credit Score: 640-679
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.
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Credit Score: 660 and up
As Low As
As Low As
As low as
6.89% for up to 60 months when you purchase or refinance a vehicle loan from another financial institution to InvesTex Credit Union. Rates quoted are based on approved credit. Your APR may be higher based on your credit information obtained from consumer credit reporting agencies InvesTex Credit Union uses. Other terms and restrictions apply and are subject to approval.
No additional details provided.
The minimum loan amount for the 12 month term is $1,000.
up to $5,000.00 maximum with approved credit
No additional details provided.
No additional details provided.
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As Low As; 84-Month Eco Personal Loan ($10,000 min, $50,000 max)
No additional details provided.
As Low As; Please contact one of our friendly Member Service Representatives for more details. We calculate the interest you pay on loans based on your unpaid principal balance for the actual number of days you use the funds. There are no prepayment penalties or hidden charges. Your interest rate will be determined by your individual credit history and the credit union's underwriting standards. We offer a 0.25% rate discount on new and used vehicle loans when 20% cash down is made (the First-Time Buyer program is exempt from the discount).
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Credit Score: 600-639
As Low As*; Rate may vary based on creditworthiness and loan term.
Amount: Up to $50,000; Credit Tier: 740 or greater
As Low As
As Needed
Rates are for qualified borrowers and are based on the credit worthiness of the individual. Actual rates may be different than the rates shown. As of 12/10/25 the Prime Rate was 6.75%.
Credit Score: A 700 & Up
As Low As
Unsecured Loan
Need extra money for life's unexpected expenses or planned purchases? Telco Plus Credit Union Personal Loans provide affordable financing with competitive rates, flexible terms, and quick local decisions to help you reach your financial goals. Whether you're looking to consolidate high-interest debt, finance a vacation, pay for home improvements, cover medical expenses, purchase appliances, or handle unexpected bills, our personal loans are designed to fit your needs and budget. Why Choose a Telco Plus Personal Loan? Competitive low interest rates. Fast local loan decisions and processing. Flexible repayment terms. Fixed monthly payments. No collateral required for qualified unsecured loans. Secured loan options available for even lower rates. Friendly local service from a trusted East Texas credit union. Our lending team works with members to find the financing option that best fits their situation. Whether you need a small personal loan or a larger loan for a major expense, we're here to help. Unsecured and Secured Personal Loan Options. Telco Plus Credit Union offers both unsecured personal loans and secured personal loans. Qualified borrowers may obtain an unsecured loan without collateral, while secured loans backed by savings or other collateral may qualify for lower interest rates. Current members can apply quickly through Online Banking, while new members can easily submit an application through our website. Our streamlined application process makes getting the money you need simple and convenient. If you're looking for low-interest personal loans in East Texas, let Telco Plus Credit Union help you borrow with confidence and save money compared to many high-rate lenders. Your rate, term, loan amount, and payments will vary based on creditworthiness and loan underwriting guidelines. 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. Loan Examples: A 12-month $1,000 loan with the best credit may have a low rate of 6.75% APR; and a payment of $87. Total loan payments will be $1,036.74; $1,000 paid towards the principal borrowed and $36.74 to interest. A 12-month $1,000 loan with less than perfect credit may have a rate as high as 17.25% APR; and a payment of $92. Total loan payments will be $1,095.28; $1,000 paid towards the principal borrowed and $95.28 to interest.
As Low As
Daily Periodic Rate: 0.018493%
As Low As
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Maximum $49,999.99 Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
No additional details provided.
new rates require a minimum advance of $1,000.00
Borrow $11,000 to $20,000. Limited-time promotion runs June 1 through August 31, 2026! Rates effective 08/17/2026. Rates may vary based on the term of the loan and the applicant's credit history. Rates are shown "as low as" and are subject to credit worthiness and loan term.
Rates As Low As
As Low As; Borrow $11,000 to $20,000 with predictable, fixed terms from 48 to 60 months. This limited-time promotion runs June 1 through August 31, 2026!
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Limit of $10,000.00
As Low As
As Low As
APR with Discount as low as*; 6.45%
Rates subject to change. Call to confirm rates shown.
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As Low As
As Low As
As low as; Rate may vary based on creditworthiness and other factors.
Two Signatures - $10,000.00
As low as
As Low As
As low as; $8,500 Maximum
As Low As; Rates
As low as
No additional details provided.
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As low as
As Low As; Loan Amount: Up to $40,000
No additional details provided.
$5,000 limit
Credit Score: 730 and above; buy GAP
As Low As
No additional details provided.
Special Rate; As Low As
Loan amounts of $500 - $30,000
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. 700 credit score and above. Minimum loan amount is $500.00, maximum loan amount is $15,000.00. Cannot be combined with any other offer other than the 3-star discount. Promotion may be cancelled at any time. Effective July 1 - September 30, 2026.
Interest Rate: 6.99% - 16.99%
Rates are based on your credit history and credit qualifications. Minimum loan amount is $250. 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.) Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle.
As Low As
As Low As
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Rates quoted 'as low as' are subject to change without notice. Actual loan rate determined by credit score & term. All loan applications are subject to approval.
Secured by Share Certificate
As Low As*
From
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As low as
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A signature loan based on income and credit history.
As Low As; Signature - $20,000 max.
Starting at
$30,000
Dollar Limit: $15,000
No additional details provided.
As Low As
As low as; Subject to change
No additional details provided.
Credit Score: 725 - UP
No additional details provided.
As low as
As Low As; With Approved Credit
As Low As
Additional 0.25% APR discount for established direct deposit in to a DFCU checking account and 0.25% APR rate discount for member having a DFCU Shield Elite Checking account.
As Low As
No additional details provided.
Rate: 7.00%
No additional details provided.
Starting as low as
As Low As
As Low As; Payment Amount As Low AS
As Low As; Starts at
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; Life Happens Loan (Unsecured)
No additional details provided.
No additional details provided.
No additional details provided.
FICO Score: 700 or more; **
As Low As; Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. All closed end unsecured loans have a $25 loan application fee that must be on deposit at the time of application.
As Low As
As low as; Variable Rate APR
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
As low as
No additional details provided.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
As Low As
As Low As; Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account.
As Low As
As Low As
As Low As; Personal Loan
As low as; *
No additional details provided.
The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
No additional details provided.
As low as
Up to $5,000
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
No additional details provided.
As Low As; 96-Month Eco Personal Loan ($10,000 min, $50,000 max)
No additional details provided.
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
Credit Score: 675-724
No additional details provided.
As Low As
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As low as
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As low as
As low as
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As Low As; Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
As low as
As Low As; Daily Periodic Rate: 0.019863%
As low as
As Low As
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
No additional details provided.
No additional details provided.
Rates as low as; Flexible terms to fit your budget; No prepayment penalties; Fixed monthly Payments; Single/Joint Life insurance available; Single/Joint Disability insurance available
Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months. Rates and terms are determined by your credit qualifications and term. Loan rates effective August 28, 2025 and are subject to change. All loans subject to credit approval.
As Low As;*
Fixed Rate.
No additional details provided.
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As low as; Rate may vary based on creditworthiness and other factors.
Minimum unsecured (signature) loan amount is $1,000.00. 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
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As low as
As low as
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max. term 2 years
All loan rates will be personalized for YOU based on your credit score and debt to income ratio and additional discounts may be available. Visit our rates page for full details.
Rate available to member in good standing, based on credit qualifications, approved starting January 1, 2025 for loans from $300 and to $25,000. Rate reflects .25% discount for automatic payments from your MHV savings or checking account. Subject to change or terminate at the discretion of MHV. Internal MHV Personal Loan refinances are not applicable with this promotional rate. Federally Insured by NCUA.
Fixed rates during the life of the loan.
As low as
As Low As; Up to $25,000
As Low As; from $1,001 to $75,000
Rates, terms and conditions are subject to change and may vary based on your credit, term of your loan (your actual rate may be higher), and type of qualifying Liberty First Credit Union checking account you may have. APR uses the simple interest method. Published rates included 0.50% rate discount for Liberty+ checking account holders. All loans are subject to approval.
As low as
As Low As
As Low As
As Low As
Personal Loan
No additional details provided.
5-Year term
As Low As; Auto Pay Discount: 7.39%
Up to 106.25% financing available for qualified members, terms available with certain restrictions and nominal rate increase
Regular APR: 7.50% - 13.75%
A signature loan based on income and credit history.
$30,000; As low as
As low as
As Low As
As Low As
Dollar Limit: $15,000
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
As low as
As low as
As Low As; Loan Amount: Up to $40,000
As Low As
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
No additional details provided.
No additional details provided.
As Low As*; Rate may vary based on creditworthiness and loan term.
Credit Score: 760+; Credit Tier: A+
As Low As
No additional details provided.
No additional details provided.
As low as; Rates effective as of 10/01/2024. Rates subject to change without notice.
As Low As
As Low As; *
Loan special-good through 8/31/2026
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.
No additional details provided.
No additional details provided.
Credit Score: 660 and up
No additional details provided.
Rates shown are the lowest rates offered for the products advertised. Other credit options available at higher rates. Applicants who do not qualify for these rates may be offered credit at a higher rate and/or different terms. Rates are subject to change without notice. Membership eligibility may be required.
up to $15,000; As Low as
As Low As
No additional details provided.
Includes all available member loan discounts.
As Low As
NEW
As Low As
As Low As
As Low As
Maximum $49,999.99 Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance 15 year minimum is $20,000.00
As low as
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
As Low As; A loan of $2,500 for 36 months will have a monthly payment ranging from $78.04 to $90.99.
As low as
As Low As
Maximum Available Term: Up to 60 months
No additional details provided.
No additional details provided.
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
As Low As; This is a HELOC product. Rates are variable and subject to change.
Payment Example Calculated with a loan amount of $25,000
Regular APR: 7.75% - 14.75%
$30,000; As low as
No additional details provided.
Rates as low as:; APR*
Payment Example (Beware on $1,000 borrowed at 'A+' tiered rate.)
As Low As
As low as
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As low as
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No additional details provided.
Credit Score: 750-Above
No additional details provided.
$15
No additional details provided.
As Low As; Fixed rates
As Low As; Loan Amount: $2501 and Over
As Low As
No additional details provided.
As Low As; quick funding, no application fees, and no payment for 45 days.
No additional details provided.
As Low As
As Low As; Loan Amount: $2501 and Over
No additional details provided.
No additional details provided.
31% Lower than the national average
$15,000 (MAX)
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No additional details provided.
As low as; Rates effective as of 03/01/2025.
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As low as
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As Low As; Rates effective as of 04/14/2026. Rates subject to change without notice.
Limit of $10,000.00
As Low As; Loan amount up to $5,000.
No additional details provided.
No additional details provided.
As Low As*
No early-payment penalty. No collateral required. No hidden fees.
Min. $1,000.00 / Max. $10,000.00
APR with Discount as low as*; 7.75%
As Low As; Loan Amount: $2501 and Over
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
Rate may vary based on credit score.; A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
As Low As;*
As Low As; Financing: Up to $35,000 ($1,000 minimum)
Loans up to $35,000. No application or origination fees. $0 Accepting won't affect your credit score. Rates range from 7.99% to 20.99% APR. Minimum loan amount is $1,500 and maximum loan amount is $35,000.
No additional details provided.
Fixed rates as low as 7.99% APR. Loans up to $35,000. No application or origination fees. $0 Accepting won't affect your credit score.
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As low as; No prepayment penalties; Payment protection available
As low as
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As Low As; *1
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As low as; Maximum APR: 18.00%. Rates include discounts for automatic payment and 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.
No additional details provided.
As low as; Rate may vary based on creditworthiness and other factors.
As Low As; Loan approval based and APR based on credit worthiness. Other restrictions and terms may apply.
As low as; *
Two Signatures - $10,000.00
Amount Financed: up to $20,000
As low as
$15,000 Maximum
Fixed
As Low As
***
As low as
As low as
As low as 9.99%; Borrow up to $15,000
No additional details provided.
Secured Loan Pricing - Base Rates (as low as)
As Low As; 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.
Rates as low as
Rates as low as
Rates as low as
**
As low as; APR=Annual Percentage Rate
As low as
As low as
No additional details provided.
Contact Credit Union for qualifying terms and individual rates
No additional details provided.
As Low As
Credit Score: 730 and above; buy GAP
As low as; All rates are subject to change. Rate is based on an evaluation of an applicants credit.
As low as
As Low As
As low as
No additional details provided.
As Low As
As low as
As low as 6.49%
1
As Low As; *
Estimated payment of $3.13 - $3.62 per $100 borrowed
No additional details provided.
As Low As; $10,000 maximum
For major expenses or to consolidate credit card debt. Up to $25,000.
As Low As; Your rate may be different than the rate listed.
As Low As
Rates are subject to change. Please contact Financial Partners Credit Union for current rate and eligibility details.
No additional details provided.
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As Low As
As Low As; Stated rate is based on certain creditworthiness criteria. Minimum loan amount $500. Maximum loan amount $30,000.
As low as
No additional details provided.
As Low As
As Low As
***
Up to $15,000
No additional details provided.
No additional details provided.
CREDIT SCORE 720+
No additional details provided.
Other Collateral
As low as; for qualified borrowers.
No additional details provided.
As Low As*
Multi Purpose
No additional details provided.
As Low As; Max amount of $20,000.00
Amount: Up to $30,000
No additional details provided.
Signature Loan APR Trend
Daily average APR for signature loans
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
Signature loan APRs fell 0.148 points to 10.95%, down from 11.10% last week.
Signature Loan vs. Secured Loan: What You Give Up
The defining feature of a signature loan is what it doesn’t require: collateral. That convenience has a price, and it’s worth seeing exactly what the trade looks like before you decide.
| Signature Loan (Unsecured) | Share-Secured / CD-Secured Loan | Secured Loan Against Property | |
|---|---|---|---|
| What Backs the Loan | Your signature and credit history only | Your own savings or CD, frozen as collateral | A vehicle, home, or other titled asset |
| Typical APR | ● Higher — the lender carries the risk | ✓ Lowest — often a small margin over your deposit rate | ✓ Low |
| What You Risk on Default | ✓ Credit damage and collections — no asset seized | ● The pledged savings are taken | ✗ You can lose the property |
| Approval Difficulty | ● Depends entirely on credit and income | ✓ Easiest — the collateral removes lender risk | ● Requires appraisal or title work |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Same or next day for existing members | ✗ Days to weeks |
| Best For | Borrowers with solid credit who want nothing at stake | Building credit, or borrowing cheaply against savings you won’t touch | Large amounts where the lowest rate matters most |
A share-secured loan is worth serious consideration if you already hold savings at a credit union and your goal is credit building rather than access to cash — you keep earning on the deposit while borrowing against it at a fraction of an unsecured rate.
Signature Loan Payments by Amount and Term
Signature loans tend to be written for smaller amounts and shorter terms than secured borrowing — lenders limit their exposure when there’s no collateral. Estimated payments at the current average of 10.95% APR:
| Loan Amount | 12 Months | 24 Months | 36 Months | 48 Months |
|---|---|---|---|---|
| $2,000 | $176.72/mo | $93.17/mo | $65.43/mo | $51.64/mo |
| $5,000 | $441.80/mo | $232.93/mo | $163.58/mo | $129.11/mo |
| $7,500 | $662.69/mo | $349.39/mo | $245.37/mo | $193.66/mo |
| $10,000 | $883.59/mo | $465.85/mo | $327.16/mo | $258.22/mo |
| $15,000 | $1,325.39/mo | $698.78/mo | $490.74/mo | $387.33/mo |
Principal and interest only, at the current average APR. Many credit unions cap unsecured signature loans well below the largest amount shown here, and your approved amount depends on income, credit, and existing obligations.
Why Credit Unions Dominate Signature Lending
“Signature loan” is credit union vocabulary, and that’s not an accident of naming — the structural reasons credit unions price these well are worth understanding before you shop.
A Regulatory Ceiling on the APR
Federal credit unions operate under a regulatory cap on the interest rate they may charge on most loans. No comparable ceiling applies to banks or online lenders, which is why credit union signature loans cluster at the low end of our tables even for borrowers with imperfect credit.
Not-for-Profit Structure
Credit unions return surplus to members rather than shareholders, so pricing tracks the cost of funding more directly. On an unsecured product, where the rate is largely risk premium plus margin, that difference shows up clearly in the APR you’re offered.
Relationship Underwriting
An existing member with a long deposit history and steady direct deposit is a known quantity in a way a stranger’s credit file isn’t. Credit unions weigh that history, which can mean approval at a reasonable rate where a purely score-driven lender would decline you outright.
Membership Is Easier Than People Expect
Most people assume they don’t qualify. In practice many credit unions accept anyone who lives, works, worships, or attends school in a given area, and some open membership through a partner association or a small donation. It’s usually a few minutes of paperwork and a nominal opening deposit.
The lowest credit union signature loan APR in our data right now is 3.99% from River Region Federal Credit Union, one of 318 credit unions in our signature loan tables. Check eligibility before assuming you can’t join.
Using a Signature Loan to Build Credit
Credit scoring models reward a mix of account types, and most people’s files are dominated by revolving credit — cards. A signature loan is installment debt, so adding one to a thin or card-heavy file can help on two fronts at once: it diversifies your credit mix, and every on-time payment adds to the payment history that carries the most weight of any scoring factor.
There is a cost to be honest about. Applying creates a hard inquiry that may shave a few points temporarily, and opening a new account lowers your average account age. Both effects are small and fade within months, while the payment history accumulates for the life of the loan — but borrowing money you don’t need purely to move a score is rarely worth the interest.
If credit building is the actual goal rather than access to cash, ask a credit union about a share-secured loan instead. You borrow against your own savings at a far lower rate, the deposit keeps earning, approval is near-automatic regardless of score, and it reports to the bureaus exactly the same way.
About Our Signature Loan Rate Database
This page tracks unsecured signature loans specifically — loans requiring no collateral — 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. For secured options and the full range of personal lending, see personal loan rates.
The lowest verified signature loan APR we’re showing is 3.99% APR from River Region Federal Credit Union. Because these loans are unsecured, advertised rates assume strong credit and the spread between the best and worst offer is wider than on secured products — prequalifying with a soft credit check is the only way to see your real number.
Signature Loan Payment Calculator
Estimate the monthly payment and total interest on an unsecured signature loan. We’ve prefilled the APR with the current average — or click a rate on the right to apply it.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. Signature loans rarely carry origination fees at credit unions, but confirm with your lender — any fee raises the APR above the quoted interest rate. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Frequently Asked Questions about Signature Loans
What is a signature loan?
How is a signature loan different from a personal loan?
What credit score do I need for a signature loan?
Are signature loans good for credit building?
How fast can I get a signature loan?
Top Signature Loan Rates Today
Do signature loan rates vary by state?
- River Region Federal Credit Union: 3.99% APR (Signature Loans)
- Blue Flame Credit Union Charlotte, NC: 3.99% APR (Personal Lending Loan)
- FASNY Federal Credit Union: 4.00% APR (Signature Loans)
- GPO Federal Credit Union: 4.49% APR (Personal Unsecured Loans)
- Maui Teachers Federal Credit Union: 4.50% APR (Signature Loans)
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