Best Personal Loan Rates (National) - May 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: 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%, Premier Financial Credit UnionPremier Financial Credit UnionPO Box 158, New Holstein, WI, 53061 0158A+5.0 ★Texas Ratio: 5.06%'s Spring Fling Loan Special has an APR of 3.99%, 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 3.99%, Erie County Employees Credit UnionErie County Employees Credit Union95 Franklin St, Buffalo, NY, 14202 3927A+5.0 ★Texas Ratio: 0.98%'s Loan has an APR of 3.99%, and PCM Credit UnionPCM Credit Union601 Willard Dr, Green Bay, WI, 54304A+5.0 ★Texas Ratio: 3.56%'s Collateral Loans has an APR of 3.99%. Personal loan rates as of May 22, 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: May 22, 2026
As Low As; Copy of invoice from school/college required
As Low As
As Low As
As Low As
Credit Score 735+
As Low As
No additional details provided.
As Low As; mortgage loans only
As Low As
As Low As
As Low As
Minimum rate of 4.00%
No additional details provided.
No additional details provided.
$10,000
As Low As; Variable Rate
As Low As
Amount: $1,501 - $3,000
No additional details provided.
No payments for 90 days; No origination fee; Fast approval to get funds in your hands quickly
As Low As
As Low As
As Low As
This Recreation Vehicle Loan Rate applies to current and previous year.
As Low As
Waived processing fee
$50,000
No additional details provided.
$10,000
As Low As
No additional details provided.
Credit Score 735+
No additional details provided.
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; 36 months max term
As Low As
As Low As
No additional details provided.
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!
$50,000
As Low As
As Low As
As Low As
As Low As
Up to 10 model years old
$10,000
As Low As
As Low As
As Low As
No additional details provided.
As Low As
As Low As
As Low As
As Low As
As Low As; Members who set up an active checking account can qualify for a 0.50% discount off the posted rate tiers (for auto and recreational). Integra First defines an active checking account as one set up with direct deposit and auto pay on the loan.
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As
No additional details provided.
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
No additional details provided.
No additional details provided.
As Low As
As Low As
As Low As
No additional details provided.
As Low As
No additional details provided.
No additional details provided.
As Low As
As Low As
As Low As
Up to 10 model years old
No additional details provided.
As Low As
As Low As
As Low As
$10,000
As Low As
As Low As
As Low As
No additional details provided.
As Low As
As Low As
As Low As
As Low As
Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
As Low As
No additional details provided.
As Low As
As Low As; No money down and no pre-payment penalties; No payment for 90 days
No additional details provided.
As Low As
As Low As
As Low As
No additional details provided.
As Low As
As Low As
No additional details provided.
As Low As
As Low As; Variable Rate
As Low As
No additional details provided.
As Low As
As Low As
As Low As
As Low As
As Low As
With Auto Pay
As Low As
As Low As; *Free CARFAX available
Up to 5 model years old
As Low As
As Low As
As Low As
No additional details provided.
As Low As
No additional details provided.
Call the Credit Union for More Details or to Apply!
No additional details provided.
As Low As
As Low As
As Low As
As Low As; Supporting our community through flood & storm recovery.
Intro rate expires: 6 months; Regular APR: 11.65%
As Low As
Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
No additional details provided.
$50,000
No additional details provided.
(seasonal)
As Low As
As Low As
As Low As; mo
As Low As
As Low As; Rate, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval.
No additional details provided.
As Low As
Credit Score 636-734
As Low As
Qualifications Required: Direct Deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
As Low As
Up to $5,000; Offers is valid March 1, 2026 thru May 31, 2026. Offer excludes refinancing GCFCU loans.
Intro rate expires: 9 months
No additional details provided.
As Low As
No additional details provided.
As Low As
As Low As
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
As Low As
If you refinanced your auto loan that is financed somewhere else. Note: $108.00 PA Department of Motor Vehicles titling fee applies this loan.
As Low As
As Low As
As Low As
No additional details provided.
No additional details provided.
No additional details provided.
$3,000 Max
Must provide travel itinerary
No additional details provided.
No additional details provided.
Maximum Loan Amount is $20,000. Lower limits may be applicable.
Score: 680-714; Invoice: 100%
No additional details provided.
Available all year
No additional details provided.
No additional details provided.
No additional details provided.
Up to 4 model years old
Fixed at 5.00% up to 5 years
As Low As; Up to 100% Collateralized Share Balance
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
No additional details provided.
No additional details provided.
As Low As
Fixed / APR; above dividend rate being paid on the Share Certificate Account securing the loan
As Low As
As Low As
As Low As
As Low As; Call the credit union for loan promotion rates
No additional details provided.
As Low As
No additional details provided.
above dividend rate earned by 12 Month Share Certificate
This APR will vary with the market based on the dividend rate.
As Low As
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown. All Loan Rates are stated in terms of Annual Percentage Rate (APR). Loan Rates are for qualified members.
As Low As
Intro rate expires: 6 months; Regular APR: 11.65%
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; Variable Rate
As Low As
As Low As
As Low As; Variable Rate
As Low As
No additional details provided.
As Low As
As Low As
No additional details provided.
As Low As; Copy of invoice from school/college required
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Maximum Loan Amount is $20,000. Lower limits may be applicable.
As Low As; Up to 100% Collateralized Share Balance
No additional details provided.
As Low As
No additional details provided.
National Personal Loan Rate Trends
Weekly national average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
Personal Loan rates rose 0.140 points this week to 10.879%, up from 10.738% last week.
Signature Loan rates fell 0.034 points this week to 11.019%, down from 11.053% last week.
Personal Loan Rate Trends
Weekly average APRs. Hover to see exact rates for each week.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates nationwide directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Comprehensive National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products across the country. We feature a comprehensive mix of lenders — from neighborhood credit unions and regional banks to large national online lenders available to borrowers in all 50 states.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan amount, term, and other underwriting factors.
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
- River Region Federal Credit Union: 3.99% APR (Signature Loans)
- Premier Financial Credit Union: 3.99% APR (Spring Fling Loan Special)
- GPO Federal Credit Union: 3.99% APR (Personal Unsecured Loans)
- Erie County Employees Credit Union: 3.99% APR (Loan)
- PCM Credit Union: 3.99% APR (Collateral Loans)
Personal Loan Rates by State
