Best Personal Loan Rates (National) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Star Ratings
- Finance Calculators
Current competitive national personal loan options include: Tomah Area Credit UnionTomah Area Credit Union940 N Superior Ave, Tomah, WI, 54660A+5.0 ★Texas Ratio: 1.43%'s Construction Loan has an APR of 3.99%, KeyPoint Credit UnionKeyPoint Credit Union7062 Market Place Dr, Goleta, CA, 93117 5902A+5.0 ★Texas Ratio: 2.20%'s Credit Mender Loan has an APR of 3.99%, Oak Lawn Municipal Employees Credit UnionOak Lawn Municipal Employees Credit Union9446 RAYMOND AVE, OAK LAWN, IL, 60453A+5.0 ★Texas Ratio: 2.50%'s Signature Loan has an APR of 3.99%, Campus Credit UnionCampus Credit Union4960 E 21st St N, Wichita, KS, 67208B4.7 ★Texas Ratio: 19.23%'s New PC/Laptop Loan Special has an APR of 3.99%, and Green Mountain Credit UnionGreen Mountain Credit Union1250 Shelburne Rd, South Burlington, VT, 05403 7783C4.0 ★Texas Ratio: 27.55%'s Renewable Energy Loan has an APR of 3.99%. Personal loan rates as of April 5, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders can save you significantly over the life of your loan.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution.
Personal loan rates reflect recent market quotes and representative offers available to borrowers nationwide. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 5, 2026
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up to $3000.00
Loan origination fee may apply. Purchase receipt required.
A++
As Low As; PROMO: SWAP YOUR LOAN, DROP YOUR RATE BY UP TO 2%!
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As Low As
As Low As; Secured Loan Special: Effective: March 2, 2026. *APR equals annual percentage rate. Membership eligibility required. Not all applicants will qualify for the lowest rate. Individual credit score may affect posted rate. APR posted is based on credit score of 740 or above and maximum 125% loan to value. 2020 or newer titled, registered, or other collateral. Subject to credit approval. Existing PFCU loans are not eligible for refinancing at this rate. Rate discount for automatic payment is not available with this offer. Loan exception additional 0.50% APR maximum term 72 months. Monthly payment example based on principal and interest: rate of 3.99% APR*, 60 monthly payments of $18.41 per $1000.00 borrowed. Rate and offer are subject to change at any time. Loan application must be received by June 18, 2026. Contact a Member Relations Specialist for full details.
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Rates as low as mortgage loans only
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up to $10,000.00
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Dividend rate earned plus
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Minimum rate of 4.00%
Share/CD rate plus 4% with a floor of 4.00%
As Low As; Maximum term 48 months; Up to $10,000
$10,000
No additional details provided.
As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
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A low 4.00% APR* to keep costs manageable
A low 4.00% APR* to keep costs manageable; No payments during draw period; No penalties if you pay it off early; Access up to 90% of your gross monthly pay to help cover essentials; Works like a paycheck; Maximum loan amount of $35,000
SHARE SECURED
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This Recreation Vehicle Loan Rate applies to current and previous year.
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Spring into savings with our special loan rate!
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As Low As
$1000; Qualified My Linc Program
$500; Qualified My Linc Program
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Waived processing fee
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$50,000
Secured by share/savings account at Credit Union pledged as collateral.
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$10,000
Credit Score 735+
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As Low As; 36 months max term
Range: 700 - 739, Type: A
$10,000; Max. Term 60 Months
$5,000; Max. Term 48 Months
This Recreation Vehicle Loan Rate applies to current and previous year.
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As Low As; Interest rate discounts may be available for members with a qualifying IBEW Local 66 Federal Credit Union checking account.
As Low As; The lowest rates around for your new Cycle!
$50,000
3% over CD APR
$500 for 12 months at 4.35% APR = $42.65 monthly payment
$10,000
Up to 10 model years old
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Credit Score 735+
A+
As Low As; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 03/10/2026.
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20% down
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As Low As; Up to $5,000.00; Special ends 3/31/2026
12 payments of Interest Only on the amount of credit outstanding during the construction period at an interest rate of 3.890% one payment of $375,000 and any unpaid interest due at maturity
UP TO 72 MONTHS
up to $10,000.00
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APR fixed
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2.5% above rate earned on share/cd with a minimum rate of 4.5%
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Payment example per $1,000 borrowed for 36 months at 4.50% APR = $29.75
APR = annual percentage rate
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Up to 10 model years old
$10,000
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As Low As; And 90 Days No Payment1
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Credit Score 735+
As Low As; Rate reflects a .50% discount for Automatic Payment.
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Secured by Shares
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Actual rate offered may vary.
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$300.00 Visa® Gift Card!
Maximum: $5,000.00
APR fixed
balance $20,000
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As Low As; Loan Loyalty Discounts Apply, which can lower your APR* by as much as 1.25%
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As Low As
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Range: 740 and UP, Type: A+
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$10,000; Max. Term 60 Months
$5,000; Max. Term 48 Months
With auto pay
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Up to 5 model years old
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As Low As; Months
Call the Credit Union for More Details or to Apply!
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Credit Score 735+
up to $10,000.00
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A
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As Low As; 3, 4, or 5 year terms new or used motor & recreational vehicles
As Low As; Terms up to 36 months; Only sworn or certified first responders are eligible; Maximum loan amount - $5,000
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Must have Wolf River Community Bank checking account with direct deposit and automatic payment; One promotional rate per individual or entity; Valid on residential lots in Wisconsin only; Maximum loan amount of $100,000; New money only, subject to credit approval
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Actual rate offered may vary.
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$50,000
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Maximum Amount: 10,000; Platinum 740+
(seasonal)
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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As Low As
As Low As
Spring into savings with our special loan rate!
As Low As
As Low As
As Low As
As Low As
As Low As
Secured by Shares
As Low As; Loan Loyalty Discounts Apply, which can lower your APR* by as much as 1.25%
As Low As
No additional details provided.
As Low As
APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
As Low As
As Low As
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Maximum Amount: 10,000; Platinum 740+
up to $3000.00
No additional details provided.
As Low As; Interest rate discounts may be available for members with a qualifying IBEW Local 66 Federal Credit Union checking account.
No additional details provided.
As Low As; Loan Loyalty Discounts Apply, which can lower your APR* by as much as 1.25%
No additional details provided.
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Frequently Asked Questions
Is it better to get a personal loan from a bank or credit union?
What credit score do I need to get a personal loan?
What is the difference between a secured and unsecured personal loan?
Can I use a personal loan to consolidate credit card debt?
Top National Personal Loan Rates
- Tomah Area Credit Union: 3.99% APR (Construction Loan)
- KeyPoint Credit Union: 3.99% APR (Credit Mender Loan)
- Oak Lawn Municipal Employees Credit Union: 3.99% APR (Signature Loan)
- Campus Credit Union: 3.99% APR (New PC/Laptop Loan Special)
- Green Mountain Credit Union: 3.99% APR (Renewable Energy Loan)
Personal Loan Rates by State
