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: Dakotaland Federal Credit UnionDakotaland Federal Credit Union1371 Dakota Ave S, Huron, SD, 57350A+5.0 ★Texas Ratio: 3.55%'s Construction Loan has an APR of 3.99%, Freedom Credit UnionFreedom Credit Union626 Jacksonville Rd, Warminster, PA, 18974 4862A+5.0 ★Texas Ratio: 3.12%'s Personal 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%, Premier Financial Credit UnionPremier Financial Credit UnionPO Box 158, New Holstein, WI, 53061 0158A+5.0 ★Texas Ratio: 5.10%'s Spring Fling Loan Special has an APR of 3.99%, and 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%. Personal loan rates as of April 27, 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 27, 2026
As Low As; mortgage loans only
As Low As
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As Low As
up to $3000.00
As Low As
As Low As
No additional details provided.
As Low As; Intro rate as low as 3.99% APR*
As Low As; 3.99% APR*
No additional details provided.
SHARE SECURED
No additional details provided.
$1000; Qualified My Linc Program
$500; Qualified My Linc Program
No additional details provided.
Minimum rate of 4.00%
No additional details provided.
Dividend rate earned plus
As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
No additional details provided.
As Low As
As Low As
$1,501 - $3,000
$10,000
up to $10,000.00
No additional details provided.
As Low As
Use your money on deposit as security for a great rate
This Recreation Vehicle Loan Rate applies to current and previous year.
No additional details provided.
As Low As; Apply Now
Waived processing fee
$50,000
No additional details provided.
No additional details provided.
No additional details provided.
$10,000
As Low As
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As Low As
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Range: 700 - 739; Type: A
As Low As
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
As Low As
$10,000
As Low As
As Low As
No additional details provided.
As Low As
As Low As
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.
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No additional details provided.
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UP TO 72 MONTHS
No additional details provided.
2.5% above rate earned on share/cd with a minimum rate of 4.5%
As Low As
APR fixed
As Low As
up to $10,000.00
As Low As
No additional details provided.
$10,000
As Low As
No additional details provided.
Actual rate offered may vary.
As Low As
As Low As
No additional details provided.
As Low As
As Low As
As Low As; 1APR=Annual Percentage Rate. Rates as of 04/01/2026 and are subject to change at any time. Must meet credit and income criteria. Rate quoted is the preferred rate with a minimum 720 FICO. Subject to credit approval and membership eligibility. Other rates and terms available. Sample Payment: $227.98 (based on 144 month term, $25,000, 4.74% APR). Rate reflects a .50% discount for Automatic Payment. Rate buydown fee may apply. Interest will accrue from date of funding. UCC1 lien will be recorded on property. Restrictions may apply. Membership required.
As Low As
Secured by Shares
As Low As
No additional details provided.
Range: 740 and UP; Type: A+
No additional details provided.
As Low As
As Low As
Maximum: $5,000.00
As Low As
APR fixed
As Low As
As Low As
No additional details provided.
Special low interest rate tax loan with auto pay; $5,000 loan - 36 monthly payments; 4.75%; approximately $149.33 per month; total repayment - $5,375.52.
As Low As
As Low As
As Low As
As Low As
No additional details provided.
Get the financing you need to build your dream home, with options starting at as little as 5% down.
As Low As
Supporting our community through flood & storm recovery.
Actual rate offered may vary.
No additional details provided.
No additional details provided.
As Low As
As Low As
As Low As
No additional details provided.
$50,000
As Low As
No additional details provided.
As Low As
As Low As; Contact Us
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.
As Low As
No additional details provided.
As Low As; with auto-pay
As Low As
As Low As
As Low As
up to $10,000.00
As Low As; Borrow $500 - $2,500
As Low As
No additional details provided.
As Low As; Spring Loan Special
As Low As
No additional details provided.
As Low As
A great low rate of 4.99% APR*; Freedom to borrow the amount you need up to $3,500
seasonal
As Low As; 4.99% APR*
As Low As; 4.99% APR*
No additional details provided.
Call Kemba for details 1-888-725-3622
as low as
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.
No additional details provided.
As Low As; Amount financed based on collateral and NADA loan value. Terms based on 12 months per $1,000 borrowed. Example: Monthly payments are approximately $43.10 per $1,000 borrowed for 24 months at 5.00% APR.
No additional details provided.
SHARED SECURED
$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.
Range: 740 and UP; Type: A+
As Low As
As Low As
Use the money in your account as Collateral for a loan
No additional details provided.
Available all year
Fixed at 5.00% up to 5 years
No additional details provided.
As Low As
co-signer may be required
As Low As; Must provide proof of studentship.
As Low As
Fixed
As Low As
APR fixed
above dividend rate earned by 12 Month Share Certificate
This APR will vary with the market based on the dividend rate.
As Low As
As Low As
No additional details provided.
Apply Now
100% of available shares
This includes all recreational vehicles two to seven years old.
Special low interest rate tax loan; $5,000 loan - 36 monthly payments: 5%; approximately $149.89 per month; total repayment - $5,395.74.
No additional details provided.
No additional details provided.
Rates As Low As
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As Low As
As Low As
As Low As
No additional details provided.
No additional details provided.
As Low As; Subject to credit approval
As Low As
As Low As
As Low As
As Low As; without auto payment/transfer
This special low-rate loan is back for a limited time to help you spread out your holiday purchases. This simple 12-month low-rate loan is here to take the stress out of holiday shopping. Buy now, pay over 12 months.
As Low As; Choosing the right PreK-12 school, daycare, or afterschool care is important. We're here to help finance your child's future. This loan covers everything from accredited schools such as The Highlands School to daycares and other private schools throughout Harford County.
$50,000
$15,000; As Low As
As Low As
As Low As
No additional details provided.
As Low As
No additional details provided.
As Low As
As Low As
As Low As
As Low As
Secured by Shares
As Low As
No additional details provided.
As Low As
As Low As
No additional details provided.
as low as
As Low As; Amount financed based on collateral and NADA loan value. Terms based on 12 months per $1,000 borrowed. Example: Monthly payments are approximately $43.10 per $1,000 borrowed for 24 months at 5.00% APR.
No additional details provided.
No additional details provided.
100% of available shares
Rates As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details provided.
As Low As
As Low As
As Low As
No additional details provided.
up to $3000.00
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Call Kemba for details 1-888-725-3622
Maximum Loan Amount is $20,000. Lower limits may be applicable.
As Low As; Must provide proof of studentship.
National Personal Loan Rate Trends
Weekly national average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
Personal Loan rates fell 0.037 points this week to 10.711%, down from 10.748% last week.
Signature Loan rates fell 0.074 points this week to 11.168%, down from 11.243% last week.
Personal Loan Rate Trends
Weekly average APRs. Hover to see exact rates for each week.
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)
- Freedom Credit Union: 3.99% APR (Personal Loan)
- KeyPoint Credit Union: 3.99% APR (Credit Mender Loan)
- Premier Financial Credit Union: 3.99% APR (Spring Fling Loan Special)
- Oak Lawn Municipal Employees Credit Union: 3.99% APR (Signature Loan)
Personal Loan Rates by State
