Best Personal Loan Rates (National) - July 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: 2.48%'s Expressway Loans has an APR of 3.99%, TopLine Financial Credit UnionTopLine Financial Credit Union9353 Jefferson Hwy, Maple Grove, MN, 55369A5.0 ★Texas Ratio: 6.35%'s 2022 & Newer Loan has an APR of 3.99%, Memorial Employees Financial Credit UnionMemorial Employees Financial Credit Union3501 Johnson St, Hollywood, FL, 33021 5421A+5.0 ★Texas Ratio: 1.77%'s 2019 & older Loan has an APR of 3.99%, Memorial Employees Financial Credit UnionMemorial Employees Financial Credit Union3501 Johnson St, Hollywood, FL, 33021 5421A+5.0 ★Texas Ratio: 1.77%'s 2020-2026 Loan has an APR of 3.99%, and 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%. Personal loan rates as of July 25, 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: July 25, 2026
Personal Loan Rates
As Low As
As Low As; starting at 3.99%
As Low As; 0% Down Payment
As Low As; 0% Down Payment
Variable Rate APR: 4.00% - 12.50%
As Low As; Loan rates and terms are determined by applicant's creditworthiness and are subject to DCECU credit underwriting guidelines.
Intro rate for 12 months from account opening on balance transfers from other credit cards made to your BayPort card in the first 30 days. Rates following intro period are 11.49%-18.00% based on creditworthiness and vary based on the prime rate. Foreign transaction fees of 1.10% of each transaction in U.S. dollars.
As Low As;*
As Low As
As Low As
No additional details provided.
As Low As
As Low As
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
As Low As; Copy of invoice from school/college required
As Low As
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
$40
See more details
No additional details provided.
As Low As; 90% Financing
As Low As
No payments for 60-days.
Intro rate for purchases and balance transfers; Regular APR:
up to $3000.00
up to $3000.00
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Credit Score 735+; + 1%
Intro rate expires: 12 months; Regular APR: 5.99%3
APR up to 15.00%
No additional details provided.
No additional details provided.
Intro Rate
4 products at 4% with primary deposit account.
No additional details provided.
As Low As
As Low As
Variable Rate APR: 4.00% - 12.50%
As low as; *
Variable Rate**
No additional details provided.
No additional details provided.
$10,000
APR = Annual Percentage Rate. 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.
No additional details provided.
$5,000 unsecured loan. No payments for 90 days. No origination fee. Fast approval. Applications accepted through August 1, 2026.
As Low As
This Recreation Vehicle Loan Rate applies to current and previous year.
Beacon Score: 725+
Rates as low as.
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
No credit check
Credit Score: 700-719
As Low As
No additional details provided.
As Low As
No additional details provided.
No additional details provided.
Effective As Of: July 1, 2026
Annual Percentage Rate. The interest rate is 4.000% (4.009% ARP) is based on a $1,000 personal loan secured by $1,000 held in a Lake Central Bank savings account, with the loan payment term being twelve (12) months. Waived processing fee. Rates effective as of 3/1/2019 and are subject to change without notice.
No additional details provided.
Max. amount $5,000
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
Fixed
Fixed
No additional details provided.
No additional details provided.
$10,000
No additional details provided.
Fixed
No additional details provided.
No additional details provided.
As Low As; Minimum Financing of $10,000 for 60 Months
$500 - $1,500
No additional details provided.
No additional details provided.
APR for Model Years 2023 and Newer
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
Up to $50,000
No additional details provided.
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As; Maximum rates up to 14.99% APR*; 2017 or newer, some restrictions apply. Rate is based on credit worthiness, income and credit score.
No additional details provided.
ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts
No additional details provided.
Credit Score 735+; + 1%
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.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
This Recreation Vehicle Loan Rate applies to current and previous year.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
$40
No additional details provided.
Fair Isaac Risk Score: 750+ w/ 100% Financing
As Low As
No additional details provided.
As Low As; Sample Monthly Payment for $20,000†: $454.18
The lowest rates around for your new Cycle!
No additional details provided.
As Low As
As Low As; *Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
As Low As; *Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
Fixed
As Low As; Rates as low as 4.39% APR
No additional details provided.
As Low As
As Low As; Sample Monthly Payment for $20,000†: $371.86
As Low As; Sample Monthly Payment for $20,000†: $593.96
As Low As
No additional details provided.
$10,000
As Low As
Fixed
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
As Low As*
As Low As; *
As low as; Age of Vehicle: New - 2017
No additional details provided.
No additional details provided.
As Low As
As Low As
As Low As
As Low As; starting at 4.49%
As Low As; starting at 4.49%
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; please call for details
No additional details provided.
Loan-to-Value: Up to 110% financing
APR for Model Years 2023 and Newer
No additional details provided.
No additional details provided.
As Low As
As low as; Borrow up to $100,000
As Low As; Borrow up to $100,000
Model Year: New-2026, LTV: 100%
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As; *
APR*
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
$40
As Low As
No additional details provided.
No additional details provided.
As Low As; 100% Financing
As low as
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
As Low As; APR is for vehicles with a perfected lien.
As Low As*
No additional details provided.
As Low As
As Low As
As low as; *
As low as; *
As Low As
No additional details provided.
New; 2011-2026
No additional details provided.
1
As Low As
All auto loans 2021 or newer. $177.60 Cash Back: A $177.60 bonus deposited directly into your savings account when you close on any auto loan with us during the months of July and August. Must be a member in good standing. Excludes loans already financed by EPFCU. Subject to credit approval. Rate based on creditworthiness, term, and age of vehicle. Interest rate floor at 4.00%. Other terms and conditions apply.
Beacon Score: 725+
Personal Loan Rates
Debt Consolidation Loan Rates
Variable Rate**
Signature Loan Rates
up to $3000.00
up to $3000.00
National Personal Loan Rate Trends
Weekly national average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
Personal Loan rates rose 0.032 points this week to 10.724%, up from 10.693% last week.
Signature Loan rates rose 0.127 points this week to 11.313%, up from 11.186% 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
- Route 31 Federal Credit Union: 3.99% APR (Expressway Loans)
- TopLine Financial Credit Union: 3.99% APR (2022 & Newer Loan)
- Memorial Employees Financial Credit Union: 3.99% APR (2019 & older Loan)
- Memorial Employees Financial Credit Union: 3.99% APR (2020-2026 Loan)
- Finger Lakes Federal Credit Union: 3.99% APR (Graduate Loan)
Personal Loan Rates by State
