Best Personal Loan Rates (National) - June 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: Dakotaland Federal Credit UnionDakotaland Federal Credit Union1371 Dakota Ave S, Huron, SD, 57350A+5.0 ★Texas Ratio: 3.50%'s Construction Loan has an APR of 3.99%, 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%, Finger Lakes Federal Credit UnionFinger Lakes Federal Credit Union27 Seneca St, Geneva, NY, 14456 3502A+5.0 ★Texas Ratio: 0.84%'s Graduate Loan has an APR of 3.99%, Lanier Federal Credit UnionLanier Federal Credit Union3718 Mundy Mill Rd, Oakwood, GA, 30566 3417A+5.0 ★Texas Ratio: 2.91%'s 2023 to 2021 Year Model Loan has an APR of 3.99%, and Lanier Federal Credit UnionLanier Federal Credit Union3718 Mundy Mill Rd, Oakwood, GA, 30566 3417A+5.0 ★Texas Ratio: 2.91%'s New - 2024 Year Model Loan has an APR of 3.99%. Personal loan rates as of June 11, 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: June 11, 2026
Personal Loan Rates
As Low As; mortgage loans only
As Low As; Copy of invoice from school/college required
No additional details provided.
Max 150k miles
Max 100k miles
Up to 100% NADA + Tax + Warranty
No additional details provided.
No additional details provided.
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details provided.
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As Low As
As Low As
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
Intro rate expires: 12 months from opening account. Balance transfers from another Prospera card do not qualify.
As Low As; Special
No additional details provided.
As low as 3.99% APR* for 12 Months. APR is Annual Percentage Rate. Click for details.
As Low As; *
As Low As; *
No additional details provided.
Intro rate for balance transfers.
As Low As; Variable Rate
As Low As
As Low As
$1000
$500
No additional details provided.
No additional details provided.
No additional details provided.
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As Low As
This Recreation Vehicle Loan Rate applies to current and previous year.
No additional details provided.
No payments for 90 days; No origination fee; $5,000 unsecured loan; Offer valid with new personal loans only and subject to normal underwriting criteria. This loan may be changed or discontinued at any time. Applications must be received by August 1, 2026.
As Low As
As Low As
No additional details provided.
Loan Amount: $1,501 - $3,000
No additional details provided.
$10,000
For Example: 60 payments of $18.42 per $1000 borrowed.
As Low As; All loans subject to credit approval. Actual terms will depend on the specific request for credit. Offer is subject to change without notice. Membership Required. Certain restrictions apply.
Max. amount $5,000
No additional details provided.
No additional details provided.
No additional details provided.
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No additional details provided.
As Low As
No additional details provided.
$10,000
with Direct Deposit & Autopay**: 3.73%
with Direct Deposit & Autopay**: 3.73%
As Low As
As Low As; maximum rates up to 14.99% APR*, 2017 or newer, some restrictions apply
No additional details provided.
As Low As
No additional details provided.
No additional details provided.
No additional details provided.
ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts
$500 - $1,500
No additional details provided.
As Low As; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 05/29/2026.
As Low As; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 05/29/2026.
As Low As
As low as
Rates quoted are the lowest available rates based on overall creditworthiness
APR*
No additional details provided.
As Low As; 36 months max term
Max 150k miles
Max 100k miles
No additional details provided.
Fair Isaac Risk Score 725-850
As Low As
This Recreation Vehicle Loan Rate applies to current and previous year.
As Low As
As Low As
No additional details provided.
No additional details provided.
The lowest rates around for your new Cycle!
No additional details provided.
As Low As; Minimum Loan Amount: $500
No additional details provided.
As Low As
As Low As
As Low As
As Low As
Model Year: Up to 10 model years old
$10,000
As Low As; The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay.
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
No additional details provided.
As Low As; *
As Low As; *
As Low As; *
As Low As; The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay.
with Direct Deposit & Autopay**: 3.98%
As Low As
As Low As
Max 150k miles
Max 100k miles
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details provided.
Maximum Loan Discount: 0.75%
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
No additional details provided.
No additional details provided.
As Low As; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 05/29/2026.
As Low As; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 05/29/2026.
As low as
As Low As
As low as
As Low As
As low as
No additional details provided.
Rates quoted are the lowest available rates based on overall creditworthiness
No additional details provided.
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
As Low As
No additional details provided.
No additional details provided.
Fair Isaac Risk Score 690-724
Fair Isaac Risk Score 725-850
$25,000; As Low As
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
As Low As
No additional details provided.
As Low As
As Low As
As Low As
No additional details provided.
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1
No additional details provided.
As Low As
As Low As
No additional details provided.
Model Year: Up to 10 model years old
No additional details provided.
80% LTV
90% LTV
90% LTV
No additional details provided.
Minimum balance requirement: $20,000
As Low As; Minimum Loan Amount: $500
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
As Low As
No additional details provided.
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000
As Low As; Minimum Loan Amount: $500
As Low As
As Low As
No additional details provided.
As Low As; Rates based on creditworthiness and subject to additional underwriting criteria.
No additional details provided.
90% LTV
As Low As; up to 100% financed
As Low As
As Low As
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Model Year: Up to 5 model years old
No additional details provided.
As Low As
Up to 100% NADA + Tax + Warranty
As Low As
As Low As
As Low As
As Low As
Personal Loan Rates
Debt Consolidation Loan Rates
As Low As; Variable Rate
As Low As
Signature Loan Rates
As Low As; Copy of invoice from school/college required
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 1.462 points this week to 12.305%, up from 10.843% last week.
Signature Loan rates rose 0.067 points this week to 11.075%, up from 11.008% 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
- Dakotaland Federal Credit Union: 3.99% APR (Construction Loan)
- River Region Federal Credit Union: 3.99% APR (Signature Loans)
- Finger Lakes Federal Credit Union: 3.99% APR (Graduate Loan)
- Lanier Federal Credit Union: 3.99% APR (2023 to 2021 Year Model Loan)
- Lanier Federal Credit Union: 3.99% APR (New - 2024 Year Model Loan)
Personal Loan Rates by State
