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: Route 31 Federal Credit UnionRoute 31 Federal Credit Union715 Terrace St, Muskegon, MI, 49440A+5.0 ★Texas Ratio: 2.54%'s Expressway Loans has an APR of 3.99%, 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%, and 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%. Personal loan rates as of April 4, 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 4, 2026
As Low As
No additional details provided.
No additional details provided.
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%!
New money only, promotional rate
No additional details provided.
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.
As Low As
Rates as low as mortgage loans only
As Low As
No additional details provided.
Range: 740 and UP
up to $10,000.00
No additional details provided.
No additional details provided.
$1000; Qualified My Linc Program
$500; Qualified My Linc Program
Dividend rate earned plus
As Low As
As Low As
As Low As
No additional details provided.
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
As Low As
No additional details provided.
As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
No additional details provided.
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
No additional details provided.
As Low As
This Recreation Vehicle Loan Rate applies to current and previous year.
No additional details provided.
Spring into savings with our special loan rate!
As Low As
No additional details provided.
Waived processing fee
No additional details provided.
$50,000
Secured by share/savings account at Credit Union pledged as collateral.
No additional details provided.
No additional details provided.
$10,000
Credit Score 735+
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; maximum rates up to 14.99% APR*, 2017 or newer, some restrictions apply
As Low As
Range: 700 - 739
$10,000; Max. Term 60 Months
$5,000; Max. Term 48 Months
$5,000 to $9,999 (Max. Term 48 Months); 720+
As Low As
As Low As; 36 months max term
As Low As
This Recreation Vehicle Loan Rate applies to current and previous year.
As Low As; The lowest rates around for your new Cycle!
3% over CD APR
$50,000
No additional details provided.
$10,000
Up to 10 model years old
As Low As
As Low As
As Low As
Credit Score 735+
As Low As
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.
As Low As
20% down
No additional details provided.
As Low As
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
Range: 700 - 739
up to $10,000.00
No additional details provided.
APR fixed
As Low As
As Low As
No additional details provided.
As Low As
2.5% above rate earned on share/cd with a minimum rate of 4.5%
As Low As
Payment example per $1,000 borrowed for 36 months at 4.50% APR = $29.75
APR = annual percentage rate
No additional details provided.
No additional details provided.
As Low As
Up to 10 model years old
$10,000
As Low As
As Low As
No additional details provided.
As Low As
As Low As
As Low As
As Low As
Credit Score 735+
As Low As
As Low As
As Low As
As Low As
As Low As; Rate reflects a .50% discount for Automatic Payment.
As Low As
As Low As
Secured by Shares
As Low As
As Low As
Actual rate offered may vary.
As Low As
No additional details provided.
$300.00 Visa® Gift Card!
Maximum: $5,000.00
Range: 740 and UP
APR fixed
balance $20,000
No additional details provided.
$10,000; Max. Term 60 Months
$5,000; Max. Term 48 Months
$5,000 to $9,999 (Max. Term 48 Months); 680 - 719
No additional details provided.
As Low As
As Low As
As Low As
As Low As
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
No additional details provided.
With auto pay
As Low As
As Low As
No additional details provided.
Up to 5 model years old
As Low As
As Low As
No additional details provided.
As Low As; Months
As Low As
As Low As; Only Available to "A+", "A", "B", and "C"
As Low As
Maximum Amount: 10,000; Platinum 740+
As low as
As low as
As Low As
(seasonal)
Credit Score 735+
up to $10,000.00
Maximum: $4000
As Low As
As Low As
No additional details provided.
As Low As
As Low As
A
No additional details provided.
As Low As
$50,000
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
As Low As
No additional details provided.
As Low As
As Low As
As Low As
As Low As
No additional details provided.
No additional details provided.
As Low As
No additional details provided.
As Low As
As Low As
As Low As
No additional details provided.
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
No additional details provided.
Actual rate offered may vary.
No additional details provided.
As Low As
As low as
No additional details provided.
No additional details provided.
As Low As
No additional details provided.
No additional details provided.
As Low As; Must provide proof of studentship.
No additional details provided.
As Low As
As Low As
Spring into savings with our special loan rate!
As Low As
$5,000 to $9,999 (Max. Term 48 Months); 720+
As Low As
As Low As
As Low As
Secured by Shares
$5,000 to $9,999 (Max. Term 48 Months); 680 - 719
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
As Low As
As Low As
No additional details provided.
As Low As
As Low As
As Low As
Maximum Amount: 10,000; Platinum 740+
As low as
No additional details provided.
up to $3000.00
No additional details provided.
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.
No additional details provided.
As Low As; Must provide proof of studentship.
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
- Route 31 Federal Credit Union: 3.99% APR (Expressway Loans)
- 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)
Personal Loan Rates by State
