Best Signature Loan Rates — October 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
Signature loan rates range from 3.99% to 8.00% APR, verified by MonitorBankRates as of October 13, 2026. Top signature loan rates currently available include: Oak Lawn Municipal Employees Credit UnionOak Lawn Municipal Employees Credit Union9446 RAYMOND AVE, OAK LAWN, IL, 60453A+5.0 ★Texas Ratio: 0.00%'s Signature Loans has an APR of 3.99%, Hawaii County Employees Federal Credit UnionHawaii County Employees Federal Credit Union131 Puuhonu Way, Hilo, HI, 96720A+5.0 ★Texas Ratio: 0.41%'s Personal Loan has an APR of 4.00%, District #6 Federal Credit UnionDistrict #6 Federal Credit Union107 Broadway, Hornell, NY, 14843A+5.0 ★Texas Ratio: 3.29%'s Short Term Personal Loan has an APR of 5.00%, Hawaii County Employees Federal Credit UnionHawaii County Employees Federal Credit Union131 Puuhonu Way, Hilo, HI, 96720A+5.0 ★Texas Ratio: 0.41%'s Personal Loan has an APR of 5.00%, and Grand Prairie Credit UnionGrand Prairie Credit Union209 N CENTER ST, GRAND PRAIRIE, TX, 75050A+5.0 ★Texas Ratio: 0.14%'s Personal Loans with Collateral has an APR of 5.00%. Rates as of October 13, 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: October 13, 2026
Compare Signature Loan Rates
Loan amount: up to $3000.00
Up to $25,000; Rate is APR*
No additional details provided.
Up to $25,000; Rate is APR*
Term: A+ Credit | Up to 36 Months
Must provide proof of studentship.
Credit Score of 750; $7,500 Maximum
- Sep 22, 20265.00%▼ from 10.00%
- Sep 18, 202610.00%first recorded
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; Desde 5.95% APR; Oferta valida hasta el 30/11/26
As Low As; Secured Loan Pricing - Base Rates; Certain restrictions apply on Closed End Signature Loans
Loan amount $1,000 to $35,000; Promotional offer valid 10/1/2026-12/31/2026 for qualifying Holiday and Debt Consolidation Signature Loans; Membership eligibility required; Cannot be combined with other loan discounts or promotional offers
Based on credit worthiness
Loan Amount: $3001.00 to $6000.00
With 1st National Deposit Account as Collateral
Up to $25,000; Rate is APR*
Loan grade D
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).
- Sep 27, 20266.00%▼ from 11.00%
- Sep 18, 202611.00%first recorded
Published rate range: 6.24% - 17.99%.
As Low As; Auto Pay Discount: 6.39%
As Low As
699-650
As Low As; Special fixed up to 15 months; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account
As Low As
Published APR range: 6.50% - 16.75%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
FICO: 751 and above; Loan limit: $1,500.00
As Low As; APR*
Published rate range: 6.50 - 6.75%. Credit Score: 730+; Rating: A+; Max Loan: $30,000
As Low As; Featured rate; Rates available to qualified members only
Loan Limit: $30,000
No additional details provided.
As low as
Rate based on individual application; FICO scores and Debt Ratio determine rate on all loans except fully secured loans; one of 6.5%, 7.5%, 12.5%, 14.5%, or 17.5%
Credit Score: 660 and up
Lowest rates offered; rate may vary depending on credit history
Promotional: $5,000.00 for 48 months. Maximum of one (1) per member
As low as
As Low As; Pay down your debt; APR range 5.96% - 35.99%
Includes .25% auto pay rate discount.
- Oct 4, 20266.59%▲ from 6.49%
- Sep 16, 20266.49%first recorded
Actual rate will vary based on creditworthiness and loan term. Subject to credit approval. Loan payment example: A $2,000 Personal Loan financed at 10.24% APR for 24 months, would have a monthly payment amount of $92.51. A First Financial Federal Credit Union membership is required to obtain a Personal Loan or Line of Credit, and is open to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan.
- Oct 12, 20266.61%▼ from 10.24%
- Sep 16, 202610.24%first recorded
Minimum loan amount for the 12 month term is $1,000
As Low As; Minimum of $30,000 loan
No additional details provided.
Additional APR listed for this product: 6.99%. As low as
Published APR range: 6.72% to 18.00%. APR Type: Fixed
Published APR range: 6.74% - 10.74. Signature Loans (Not to Exceed $25,000.00)
As low as; Loan amount up to $25,000
Personal Loans
As Low As; $10,000 min, $50,000 max
No additional details provided.
As Low As; Rates may vary based on individual creditworthiness
As Low As; Advertised as-low-as APR assumes excellent borrower credit history
As Low As
As Needed
As Low As; Personal Unsecured loan, 24 Months
As Low As; Based on FICO score
Term: 6 months to 72 months; Interest rates range from 6.75% APR to 17.25% APR; low end shown as the rate; terms range from 6 months to 72 months; no fees on personal loans (Quick Cash loan has a $25 application fee)
As Low As; Rates increase 0.25% if no autopay
Rates Start As Low As
As Low As
- Oct 1, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
No additional details provided.
No additional details provided.
Additional APR listed for this product: 8.840%.
No additional details provided.
new rates require a minimum advance of $1,000.00
As Low As; Rates As Low As; lowest possible APR for an Unsecured Loan; subject to credit approval
Dollar limits based on income and credit score; signature loans available after 60 days of membership, no waiting period with credit score 700+
Loan amount $500 - $5,000.00; Rates available to current members only; No processing or application fees
No additional details provided.
No additional details provided.
As Low As; Personal Loans; lowest available rates, subject to membership eligibility and creditworthiness
As Low As; Loan Rates page, Personal/Longevity
As Low As; APR with Discount as low as 6.45%; discount requires auto pay and direct deposit, up to 0.50% maximum
Published APR range: 6.95% - 17.45%. APR range based on creditworthiness; rates subject to change; positional match to subaccount header
- Oct 13, 20266.95%▼ from 9.45%
- Sep 29, 20269.45%▲ from 8.45%
- Sep 14, 20268.45%first recorded
Amount: $3,000 to $30,000; Signature Loan - $30,000 maximum
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000, minimum credit score is 730, and maximum term is 36 months. Payment Examples: On a $7,500 loan, the payment would be $231.54 per month for 36 months with a 6.99% APR.
- Oct 7, 20266.99%▼ from 9.04%
- Sep 15, 20269.04%first recorded
No additional details provided.
Published APR range: 6.99%-13.99%. Oct 5-30; Loan amount $500 - $3,500; Approval based on credit worthiness; No refinancing of existing MOPAC loans
As Low As
As Low As; Maximum Term; previously 7.50%; APR disclosed is the lowest rate available for a 12-month term
No additional details provided.
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
As Low As; Signal Smart Plus members receive 0.25% discount; non-members add 0.25%
$8,500; As Low As
As Low As; APR includes a 0.25% discount for automatic monthly payments; APR increases by 0.25% without automatic payment
As Low As; Personal Loan Rates
As Low As; current as of January 1st 2026
As Low As; Personal loan rates range between 6.99% APR to 17.99% APR; Minimum payment never less than $25.00 monthly
Unsecured Loans; $5,000 limit
As Low As; $25,000 Max
As Low As; Effective Date: December 1, 2023
Published APR range: 6.99% to 15.99%.
As Low As; Special Rate; Application and Approval Required
As Low As; Loan amounts of $500 - $30,000
Loan amount $1,000 to $35,000; Promotional offer valid 10/1/2026-12/31/2026 for qualifying Holiday and Debt Consolidation Signature Loans; Membership eligibility required; Cannot be combined with other loan discounts or promotional offers
Credit Grade: Platinum 740+; Minimum Amount: $1,000; Maximum Loan Amount: $30,000
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
$500; As Low As; Loan amount $500 to $25,000
Fixed APR for qualifying borrowers; unsecured loans up to $2,500; Back to School Special
- Sep 25, 20266.99%▼ from 7.25%
- Sep 18, 20267.25%first recorded
Based on credit worthiness
Rate range: 6.99% - 16.00%; Amount: $500 - $5,000
As Low As; Min. loan amount $1,000
No additional details provided.
As Low As; Loan Amount: $10,000.00 - $250,000.00
- Oct 10, 20266.99%▼ from 11.74%
- Sep 14, 202611.74%first recorded
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As low as*
Published APR range: 6.99% - 14.24%.
No additional details provided.
As low as
Borrower must be a QNB customer.
No additional details provided.
APR = Annual Percentage Rate. Loan rates are subject to change at any time without notice. Primary applicant must be an existing deposit customer for a minimum of three (3) months at time of application. Minimum FICO score of 730 for all borrowers. Some restrictions may apply. Eligibility is determined by your personal credit history and income. Other rates, terms, and conditions may apply. All loan requests are subject to Clinton Savings Bank underwriting criteria.
- Oct 3, 20267.00%▲ from 6.50%
- Sep 24, 20266.50%first recorded
Variable rate tied to the Wall Street Prime Rate minus 0.50% for the first 12 billing cycles. The Prime Rate as of October 1, 2026, is 7.00%. After the first 12 billing cycles the variable rate is tied to the Wall Street Prime Rate plus 0.00%. Maximum rate allowed is 18.000% APR. The minimum APR that will apply is 3.750%. Rate is subject to increase after consummation.
Published rate range: 7.00% to 16.50%.
Credit Grade: A+
- Oct 12, 20267.00%▲ from 6.50%
- Sep 25, 20266.50%first recorded
Term: Up to 3 years (36 mos.); Published APR range: 7.00% to 10.50%. A signature loan based on income and credit history.
Up to $25,000; Rate is APR*
$20,000; As Low As; Shorter terms available
No additional details provided.
Grade: Platinum; Credit Score: 730+; Dollar Limit: $15,000
Published APR 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%. Rate, maximum term and loan amount may vary based on credit qualifications; may not be used to refinance an existing SWSFCU loan
As Low As; Loan group: Signature
No additional details provided.
As Low As; Featured Rates; Up to $8,000 (per banner)
As Low As
As Low As
Published APR range: 7.00% - 17.00%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
As Low As; Other loan rates section
Risk Based Loan; Credit Rating: A+; Credit Score: 760+
Risk Grade: A; Maximum Financing: $20,000; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options
Tier A; Credit Score 850-680; Max Loan $9,500
As Low As; Starting as low as 7% APR
As Low As; $500.00 minimum up to $14,999.00
Published rate range: 7% - 15%. Loan amount: $500 - $3,500; Rates determined by the overall credit worthiness of each applicant
Example Amount: $3,000; Effective as of: March 2023
As Low As
No additional details provided.
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 10/01/26 the Prime Rate was 7.00%.
As Low As
Published APR range: 7.00% - 16.00%. Rates quoted as APR; rate and term based on evaluation of credit; all loans for qualified applicants
As Low As; APR Base Rate starting at; Current Loan Rates
As Low As; Rate (as low as)
$12K; Unsecured Limit: $12K
Published APR range: 7.00%-14.00%.
No additional details provided.
- Oct 1, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
FICO Score: 700 or more; **
Published APR range: 7.00%-16.00%.
As Low As
No additional details provided.
Plus Certificate of Deposit Rate
No additional details provided.
As Low As; Loan Amount: $10,000 - $30,000; 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.
Column labeled APY shows 7.22%
- Sep 25, 20267.22%▲ from 6.99%
- Sep 14, 20266.99%first recorded
No additional details provided.
As Low As; Minimum Loan Amount: $200
As Low As; APR based on member credit history
As Low As; APR* (Rates as low as); Minimum Loan Amount = $500; Maximum Loan Amount = $30,000; Rate reflects .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account
Published APR range: 7.24% - 11.24%. Signature Loans (Not to Exceed $25,000.00)
As Low As; Personal loan
As Low As
As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
No additional details provided.
Published APR range: 7.25%-11.25%. Please Contact Us for more information on all available loan rates and programs.
- Oct 3, 20267.25%▲ from 6.75%
- Sep 16, 20266.75%first recorded
Credit Grade: A+
As Low As
- Sep 25, 20267.25%▼ from 7.50%
- Sep 16, 20267.50%first recorded
Application Fee: $35.00
No additional details provided.
Credit Limit: $7,500 Single / $15,000 Joint Maximum; Published rates for A Credit (credit score 680 - 779); Risk-based lending applies; Effective October 1st, 2026
As Low As; Loan amounts up to $30,000, terms up to 84 months
$8,000 - $10,000
As Low As
As Low As; Rates effective as of 10/01/2026
No additional details provided.
As Low As
As Low As
Published rate range: 7.25 - 15.25%. Unsecured up to $50,000
As Low As; Members in good standing may qualify for these low-rate loans.
Rate Adjustments Applicable to All Above Categories 0.10% reduction for payment transfer from PFCU Account, Direct deposit, ACH payment or payroll deduction. Add 0.50% if vehicle collateral is (5) or more years old.
As Low As; Maximum borrowing $10,000
As Low As; Rates increase 0.25% if no autopay
Published APR range: 7.30% - 17.80%. Maximum Amount: 100% of purchase price; maximum amount not to exceed 72 months
No additional details provided.
Published APR range: 7.39% - 14.64%.
- Oct 1, 20267.39%▲ from 7.19%
- Sep 14, 20267.19%first recorded
Maximum loan amount up to $25,000
No additional details provided.
As Low As; Personal/Signature loan; Rates and terms determined by credit qualifications and term; Loan rates effective August 28, 2025
As low as*; Rate applies to terms up to 36 months.
Based on $10,000 loan amount
- Sep 19, 20267.46%▼ from 7.47%
- Sep 16, 20267.47%first recorded
As low as
As low as; APR
Published APR range: 7.49% - 18.00%. $1,000 - $50,000. Fixed Rate.
Additional APR listed for this product: 9.49%, 9.75%, 11.75%, 12.00%. As Low As
No additional details provided.
As Low As; Maximum Term; previously 8.00%
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*; Rate: 7.49% APR*
As Low As
As Low As; Signal Smart Plus members receive 0.25% discount; non-members add 0.25%
$1000 minimum; proof of expenses required; may be used for pet care and funeral expenses
As Low As; Personal Loan Rates
Borrow up to $20,000; APR*
- Oct 9, 20267.49%▲ from 6.99%
- Sep 14, 20266.99%first recorded
As Low As; Min. Loan Amount: $1,000; Minimum loan amount is $1,000. Maximum loan amount is $50,000.
Published APR range: 7.49%-17.99%. APR range as stated on page: rates can vary between 7.49% APR and 17.99% APR; up to $20,000 for Qualified Borrowers; credit report pulled; no penalty for early payoff; fixed rates during life of loan
As Low As; $20,000 maximum
Loan amount $1,000 to $35,000; Promotional offer valid 10/1/2026-12/31/2026 for qualifying Holiday and Debt Consolidation Signature Loans; Membership eligibility required; Cannot be combined with other loan discounts or promotional offers
$1,001; As Low As; Maximum term 84 Months
As Low As
Published rate includes 0.50% rate discount for Liberty+ checking account holders
As Low As; Personal Loans; Effective Date October 13, 2026; Can be used for vacations, wedding expenses or taxes; Minimum loan amount $500.00, maximum loan amount $5,000.00
- Oct 9, 20267.49%▼ from 9.99%
- Sep 14, 20269.99%first recorded
Published APR range: 7.49% - 15.49%. Up to $10,000 maximum
As Low As; Personal loan
As Low As; Rate/APR as low as; Personal loan, term 0-24 Months
As low as; APR
As Low As; Rates include all possible discounts. Contact us to determine which discounts apply to you.
No additional details provided.
As Low As; Auto Pay Discount: 7.39%
Additional APR listed for this product: 10.0%. 7.5% or 10.0% APR based on term and credit history; up to 106.25% financing available for qualified members
Credit Grade: A+
Published APR range: 7.50% - 13.75%.
As Low As
- Sep 25, 20267.50%▼ from 7.75%
- Sep 16, 20267.75%first recorded
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); closed-end loan
As low as
As low as
649-600
Grade: Platinum; Credit Score: 730+; Dollar Limit: $15,000
As Low As; Amount: $20,000; Number of Signatures: 1
As Low As
Published APR range: 7.50% - 17.50%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
As Low As; Featured rate on homepage
FICO: 730-750; Loan limit: $1,500.00
As Low As; Percentage rate depends on your Beacon Score and can increase depending on this score.
APR*
As Low As; Min. $500 to max. $5k
No additional details provided.
As Low As; APR* as low as
As Low As; APR* as Low As
Published APR range: 7.50% to 16.00%. Current Loan Rates; APR range
Tier B; Credit Score 640-679; Max Loan $5,000
As Low As; Maximum amount $20,000; Based on Experian score 680+; automatic payment assumed (otherwise +0.50%)
Credit Score: 760+; Credit Tier: A+
As Low As; Annual Percentage Rate
As Low As; Annual Percentage Rate; subject to credit evaluation
Credit Grade: A (700+); Loan Amount: $15,000; Page labels this value 'apy' but it is a loan rate
Published APR range: 7.50% - 18.00%. Maximum Amount: 20% of Gross Income - Depends on Credit Score
As low as
No additional details provided.
As Low As
up to $10,000; Published rate range: 7.50% - 11.50%.
As low as APR*; Monthly Payment per $1,000 Borrowed: $86.74; APR is based on credit worthiness
Rate based on individual application; FICO scores and Debt Ratio determine rate on all loans except fully secured loans; one of 6.5%, 7.5%, 12.5%, 14.5%, or 17.5%
- Oct 13, 20267.50%▲ from 6.50%
- Sep 14, 20266.50%first recorded
Credit Score: 660 and up
Lowest rates offered; rate may vary depending on credit history
Description: Energy Efficient Loans - $500 - $2,000
Requires co-signer; total unsecured loans from DPECU cannot exceed $8,000; rate up to 7.50% based on credit score
As Low As; Current Rates featured APR
Range: 7.50% - 16.00%
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
Published APR range: 7.59% - 14.84%.
- Oct 1, 20267.59%▲ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Personal Loans
Based on $10,000 loan amount
- Sep 19, 20267.64%▼ from 7.65%
- Sep 16, 20267.65%first recorded
Published APR range: 7.65% - 18.00%. Up to $5,000. Great for taxes, emergencies & vacations.
Credit Rating: A+
As low as*; Rate: 7.74% APR*
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account
As Low As; Fixed APR
As Low As; Loan Amounts: $1,000-$1500; Sample
- Oct 8, 20267.74%▲ from 6.99%
- Sep 17, 20266.99%first recorded
As Low As
As low as; Loan amount up to $25,000
As Low As; Financing: Up to $50,000
As Low As; Personal loan
As Low As; Rates increase 0.25% if no autopay
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
As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Credit Level: Gold; Credit Score: 730 and Up
Payment Example Calculated with a loan amount of $25,000
Credit Grade: B
- Oct 8, 20267.75%▲ from 6.50%
- Sep 25, 20266.50%first recorded
Published APR range: 7.75% - 14.75%.
As Low As; Personal ($30,000 max); closed-end loan
As Low As
Application Fee: $35.00
As Low As; *
As Low As
As Low As
As Low As
No additional details provided.
Lowest Rates For Signature Loans; Max. Amount Financed $35,000
As Low As; Membership tenure: 5 years; 1.50% APR discount; Loans eligible: Personal and Vehicle
- Oct 13, 20267.75%▲ from 7.25%
- Sep 28, 20267.25%▲ from 7.00%
- Sep 17, 20267.00%▼ from 7.50%
- Sep 14, 20267.50%first recorded
Max Amount: $12,500
No additional details provided.
Fair Isaac Risk Score: 750-Above; Signature loans up to $9,000; rate type not labeled in table
No additional details provided.
Risk Based Loan; Credit Rating: A; Credit Score: 759-680
As Low As; Evergreen Advantage rate
Published APR range: 7.75%-18.05%. Maximum Amount to Borrow: $10,000.00
- Oct 9, 20267.75%▲ from 7.50%
- Sep 14, 20267.50%first recorded
$15k; All rates are APR; rates based on 740+ credit score
As Low As; Maximum amount $20,000; Based on Experian score 680+; automatic payment assumed (otherwise +0.50%)
No additional details provided.
As Low As; Rates effective as of February 19, 2025; APR shown applies to the shortest loan term for applicants with excellent credit; $49 processing fee
As low as; Loan Amount: $2501 and Over
As Low As; Personal Unsecured loan, 48 Months
Requires co-signer; total unsecured loans from DPECU cannot exceed $8,000; rate based on credit score
up to $15,000; As Low As; Effective Date as of 10/13/2026; includes 0.25% relationship discount for members with two qualifying services
As Low As
- Oct 1, 20267.75%▲ from 7.50%
- Sep 14, 20267.50%first recorded
up to $15,000; Rate is subject to change based on credit history and other factors
Loan Amount Example: $10,000.00
Loan Amount Example: $10,000.00
Published APR range: 7.79% - 15.04%.
- Oct 1, 20267.79%▲ from 7.59%
- Sep 14, 20267.59%first recorded
As low as
As Low As; *
As low as; Loan Amount: $2501 and Over
No additional details provided.
Published APR range: 7.89% - 15.14%.
- Oct 1, 20267.89%▲ from 7.79%
- Sep 14, 20267.79%first recorded
31% Lower than the national average
Published APR range: 7.90% to 17.90%. $15,000 (MAX)
Dollar limits based on income and credit score; signature loans available after 60 days of membership, no waiting period with credit score 700+
Loan amount $5,000.00 - $7,500.00; Rates available to current members only; No processing or application fees
As Low As; Annual Percentage Rate; Rates effective as of 03/01/2025; contact credit union for all loan products and rates
As Low As; Personal Loan rates start at 7.9%
As Low As; Signature Loan
Maximum Amount: $10,000
No additional details provided.
Published APR range: 7.90% to 17.90%. $500 minimum
As Low As; Rates reduced by 0.10% APR if application submitted online; specific rate and term depend on credit rating and amount financed
As Low As; Featured Rate; Annual Percentage Rate
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.
No additional details provided.
As Low As; Loan amount up to $5,000
No additional details provided.
No additional details provided.
As Low As*
As Low As; No early-payment penalty; No collateral required; No hidden fees
Published APR range: 7.95 - 12.95%. Min. $1,000.00 / Max. $10,000.00
As Low As; APR with Discount as low as 7.75%; discount requires auto pay and direct deposit, up to 0.50% maximum
As Low As; Applies to Loan Amounts $1,000 - $35,000
As low as; Loan Amount: $2501 and Over
As low as
- Oct 9, 20267.95%▼ from 8.97%
- Sep 14, 20268.97%first recorded
As low as*; Rate applies to terms of 37 to 48 months.
Financing: Up to $35,000 ($1,000 minimum)
Loans up to $35,000; No application or origination fees; Accepting won't affect your credit score.
No additional details provided.
Loans up to $35,000; No application or origination fees; Accepting won't affect your credit score.
As low as
As Low As
As Low As; Loan Amount: $500+
As Low As; Unsecured loan; rates based on evaluation of applicant credit; rates as of April 1, 2026
Maximum Amount: $25,000
Maximum APR: 18.00%. Signature rates 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; Maximum Term; previously 8.50%
As Low As; Valid for loan amounts up to $20,000.00
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
As Low As; Amount financed: up to $20,000
As Low As; Rates are determined by credit worthiness of the member, loan amount, and loan term
Published APR range: 7.99% - 16.46%. Fixed APR
As Low As; Signal Smart Plus members receive 0.25% discount; non-members add 0.25%
***Additional terms available up to 10 years. +0.25% for each additional year over 5.
As Low As; Max Term 60 months
$2,500; As Low As; New money only; Minimum loan $2,500 or more
As Low As; Loan amount: Minimum $300.00, Maximum $25,000.00
As Low As; Secured Loan Pricing - Base Rates; Certain restrictions apply on Closed End Signature Loans
Published APR range: 7.99% to 17.99%. Credit qualifications apply
As Low As; Personal Loans; Subject to credit approval and credit score
As Low As; APR or Annual Percentage Rates are listed
As Low As; APR or Annual Percentage Rates are listed
As Low As; APR or Annual Percentage Rates are listed
As Low As; Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle; APR for terms up to 84 months for members who qualify
As Low As; Debt Protection is available; Check out our rates
As Low As; Fixed-Rate Loans; Terms (Up To) 12 mos.
As Low As; APR determined by credit score; not all terms available to all credit scores
Borrow up to $20,000; APR*
- Oct 9, 20267.99%▲ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As; Annual Percentage Rate
Additional APR listed for this product: 8.99%, 9.99%. Credit score of 750 or more; can borrow up to $20,000.00; 10% of amount must be held in share account; refinancing at new rate
As Low As; Min. Loan Amount: $5,000; Minimum loan amount is $1,000. Maximum loan amount is $50,000.
Terms may vary, subject to qualification; Longer terms may be available
Contact Credit Union for qualifying terms and individual rates
Published APR range: 7.99% - 18.00%.
Maximum Amount $20,000; lowest available APR; reflects .25% discount for electronic repayment and direct deposit enrollment
As Low As; Rate as low as 7.99%
As Low As; $25,000 Max
As Low As; Rates effective 6/22/2026
As Low As; Loan type: Signature Loans
$300 - $25,000; As Low As; Rate available to member in good standing, based on credit qualifications; loans from $300 to $25,000; .25% discount for automatic payments from MHV savings or checking
- Oct 9, 20267.99%▲ from 7.49%
- Sep 21, 20267.49%first recorded
As Low As; Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account
- Sep 25, 20267.99%▲ from 7.74%
- Sep 14, 20267.74%first recorded
As Low As; Subject to loan approval; Rates include 0.25% discount for automatic payments and 0.25% discount for active State CS Checking account; Maximum APR 18.00%
As Low As; Amount: $500+; APR* (As low as)
As Low As; Rates include 0.25% discount for payroll deduction or automatic payment and 0.25% discount for using a Compass debit card; Apply online via online banking
No additional details provided.
As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral.
As Low As; $20,000 maximum
Loan amount $1,000 to $25,000
Loan amount $1,000 to $35,000; Promotional offer valid 10/1/2026-12/31/2026 for qualifying Holiday and Debt Consolidation Signature Loans; Membership eligibility required; Cannot be combined with other loan discounts or promotional offers
As Low As; Best APR 6.49% (rate); APR 7.99%; Loyalty Rewards discount of up to 1.50% available to qualifying members; Maximum terms based on model year and vehicle value
APR footnote 1: Based on individual credit worthiness
Credit Grade: A 720-739; Minimum Amount: $1,000; Maximum Loan Amount: $30,000
Credit Tier: A Plus (730 Plus)
As Low As; Maximum Term
Published APR range: 7.99% - 18.00%. Maximum loan amount: $50,000.00; Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
No additional details provided.
$10,000; As Low As; Rates quoted depend on credit score; Not all applicants will qualify for the lowest APR or maximum term; $0 loan documentation fee; $5,000 or less = maximum term of 48 months
For up to $25,000.
APR = Annual Percentage Rate. Listed APR is AS LOW AS and is based on credit qualification. Terms from 1 to 72 months. Your rate may be different than the rate listed.
As Low As
Based on credit worthiness
As low as
Published APR range: 7.99% - 19%.
up to $10,000; Published rate range: 7.99% - 11.99%.
As Low As; APR Starting At
Loan amount: $6001.00 to $10000
As Low As; Min. loan amount $1,000
As Low As; Minimum loan amount $500; Maximum loan amount $30,000; Stated rate is based on certain creditworthiness criteria
As Low As; Personal loan
Additional APR listed for this product: 8.99%, 9.99%. Credit score of 750 or more; All unsecured loans require 10% of the amount being borrowed to be secured in a share account
No additional details provided.
As Low As; Rates increase 0.25% if no autopay
As Low As; Rate/APR as low as; Personal loan, term 25-36 Months
As Low As; Term: Varies
As Low As; Lowest possible APR based on credit worthiness for qualified borrowers.
Up to $15,000
As low as 7.99%; Up to $25,000
As Low As
Credit Score: 720+
As low as
Published APR range: 7.99% - 15.24%.
Term: Multi Purpose 12 Month Loan
No additional details provided.
As Low As; Max amount of $20,000.00
As low as; Amount financed up to $20,000.
If eligible for all possible discounts
- Oct 7, 20268.00%▼ from 9.49%
- Sep 15, 20269.49%first recorded
No additional details provided.
over $5,000; Published rate range: 8.00% to 16.50%.
To qualify for reduced rate, Automatic Payment must be scheduled from a Priority Plus FCU Account.
Credit Grade: B
No additional details provided.
No additional details provided.
up to $15,000; As Low As; Maximum: $15,000.00
Published APR range: 8.00% - 15.75%.
As Low As
- Sep 25, 20268.00%▼ from 8.25%
- Sep 16, 20268.25%first recorded
As Low As; rates & up*
No additional details provided.
Up to $25,000; Rate is APR*
Term: 12 Months (up to $10,000.00); As low as; Personal Loans
No additional details provided.
As Low As
- Oct 12, 20268.00%▼ from 13.00%
- Sep 16, 202613.00%first recorded
No additional details provided.
As low as
As low as
Grade: Platinum; Credit Score: 730+; Dollar Limit: $15,000
Grade: Preferred; Credit Score: 729-680; Dollar Limit: $15,000
As low as; Cosigner needed for over $10,000.00
up to $10,000; As low as
As Low As; APR*
up to $5,000; As Low As; Based on credit score and loan term
Term: 12 months - 48 months; Published APR range: 8.00% - 14.00%. Rate, maximum term and loan amount may vary based on credit qualifications; signature loan may not be used to refinance an existing SWSFCU loan
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 rose 0.086 points to 11.28%, up from 11.19% 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 11.28% APR:
| Loan Amount | 12 Months | 24 Months | 36 Months | 48 Months |
|---|---|---|---|---|
| $2,000 | $177.02/mo | $93.47/mo | $65.74/mo | $51.96/mo |
| $5,000 | $442.55/mo | $233.68/mo | $164.35/mo | $129.90/mo |
| $7,500 | $663.83/mo | $350.52/mo | $246.52/mo | $194.85/mo |
| $10,000 | $885.11/mo | $467.36/mo | $328.70/mo | $259.80/mo |
| $15,000 | $1,327.66/mo | $701.04/mo | $493.05/mo | $389.70/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 Oak Lawn Municipal Employees Credit Union, one of 323 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 Oak Lawn Municipal Employees 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.
Personal Loans for Bad Credit
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
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?
Can I get a personal loan with bad credit?
What is the maximum APR on a bad credit personal loan from a credit union?
Top Signature Loan Rates Today
Do signature loan rates vary by state?
- Oak Lawn Municipal Employees Credit Union: 3.99% APR (Signature Loans)
- Hawaii County Employees Federal Credit Union: 4.00% APR (Personal Loan)
- District #6 Federal Credit Union: 5.00% APR (Short Term Personal Loan)
- Hawaii County Employees Federal Credit Union: 5.00% APR (Personal Loan)
- Grand Prairie Credit Union: 5.00% APR (Personal Loans with Collateral)
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