Best Personal Loan Rates - October 2026 | As Low as 3.99% APR
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Star Ratings
- Finance Calculators
Personal loan rates range from 3.99% to 7.00% APR, verified by MonitorBankRates as of October 12, 2026. Current competitive personal loan options include: Manchester Municipal Federal Credit UnionManchester Municipal Federal Credit Union479 Main St, Manchester, CT, 06040 4101A5.0 ★Texas Ratio: 6.48%'s Personal Loan has an APR of 3.99%, Crouse Federal Credit UnionCrouse Federal Credit Union730 S Crouse Ave, SYRACUSE, NY, 13210 1754A+5.0 ★Texas Ratio: 0.30%'s Share Secured Loan - 100% Shares Pledged 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: 0.00%'s SIGNATURE LOANS has an APR of 3.99%, Hawaii County Employees Federal Credit UnionHawaii County Employees Federal Credit Union131 Puuhonu Way, Hilo, HI, 96720A+5.0 ★Texas Ratio: 0.41%'s Personal Loan has an APR of 4.00%, and Healthcare Associates Credit UnionHealthcare Associates Credit Union1151 E Warrenville Rd, Naperville, IL, 60563 9339A+5.0 ★Texas Ratio: 5.30%'s Share Secured Loan has an APR of 4.00%. Personal loan rates as of October 12, 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. 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: October 12, 2026
Personal Loan Rates
Borrow up to $25,000
- Oct 9, 20263.99%▼ from 8.99%
- Sep 14, 20268.99%first recorded
No additional details provided.
No additional details provided.
Up to $25,000; Rate is APR*
No additional details provided.
No additional details provided.
As Low As
- Sep 22, 20264.25%▼ from 5.25%
- Sep 14, 20265.25%first recorded
As Low As; Variable Rate**
No additional details provided.
Fixed rate
No additional details provided.
Shares must fully cover outstanding loan balance
No additional details provided.
Fixed APR; 0.25% APR discount available for automatic loan payments and reflected in rates
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.
Secured by Shares
No additional details provided.
Fixed APR; 0.25% APR discount available for automatic loan payments and reflected in rates
Rate quoted based on 36 month term, $1,000 up to $30,000; Rates available on approved credit; 0.25% discount with e-Statements and automated payments on select collateral loans
No additional details provided.
No additional details provided.
Up to $25,000; Rate is APR*
No additional details provided.
As Low As*; up to share balance
Term: A+ Credit | Up to 36 Months
Must provide proof of studentship.
Credit Score of 750; $7,500 Maximum
- Sep 22, 20265.00%▼ from 10.00%
- Sep 18, 202610.00%first recorded
As Low As
- Sep 22, 20265.00%▼ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Variable Rate**
No additional details provided.
As Low As
As Low As; Fixed Rate*
- Oct 10, 20265.25%▲ from 4.25%
- Sep 22, 20264.25%first recorded
As Low As; Loan amount: Minimum $300.00, Maximum $50,000.00
As Low As
As low as
No additional details provided.
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 7.70%
Term: Installation-Up to 18 Months; Monthly interest payments based on the amount outstanding
As low as; A loan for anything in your life. Vacations, weddings, medical costs, adoption costs, and much more. A fixed term low rate personal loan can help. We're here to help you get the right loan personalized for your unique situation.
Maximum limits apply
Starting as low as 5.75%
As Low As
As Low As; Fixed Rate*
- Oct 10, 20265.75%▲ from 5.00%
- Sep 22, 20265.00%first recorded
Term: 5, 10 and 15 year fixed rate; Rate is dependent on credit history; Available in all states except for Hawaii and Alaska
- Sep 29, 20265.79%▼ from 7.99%
- Sep 21, 20267.99%first recorded
No additional details provided.
Term: 60 Month & 120 Month Terms; Maximum $75,000.00
As Low As; Desde 5.95% APR; Oferta valida hasta el 30/11/26
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 8.10%
As Low As; Max Loan: $50,000; Rate Update: September 1, 2023; Owner-occupied properties only
As Low As; Secured Loan Pricing - Base Rates; Certain restrictions apply on Closed End Signature Loans
Loan amount $1,000 to $35,000
Based on credit worthiness
With Inspired Checking As low as; Estimated monthly payment per $1,000: $19.33
No additional details provided.
No additional details provided.
With 1st National Deposit Account as Collateral
Up to $25,000; Rate is APR*
No additional details provided.
Maximum: $20,000.00; +2.00% above Share Savings Dividend Rate*
Signature Loan
Maximum limits apply
Up to $15,000; As Low As
Published rate range: 6.00% to 15.00%.
with credit score 650 or >; Rate with Maximum Discount*: 5.75%; Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
- Sep 27, 20266.00%▼ from 11.00%
- Sep 18, 202611.00%first recorded
No additional details provided.
No additional details provided.
As low as; Estimated monthly payment per $1,000: $19.44
- Oct 9, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
No additional details provided.
Published rate range: 6.24% - 17.99%.
Minimum Loan Amount: $0; Maximum Loan Amount: $100,000
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details provided.
Published APR range: 6.25% - 12.00%. Available Statewide; Maximum loan amount: up to $85,000.00*
Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 8.70%
Max Amount: $100,000
As Low As
Minimum Loan Amount: $10,000; Maximum Loan Amount: $100,000
Maximum amount $150,000
As Low As; Auto Pay Discount: 6.39%
As Low As
699-650
As Low As; Special fixed up to 15 months; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account
As Low As
Published APR range: 6.50% - 16.75%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
FICO: 751 and above; Loan limit: $1,500.00
Additional APR listed for this product: 8.750%.
As Low As
Published APR range: 6.50 - 6.75%; Published rate range: 6.50 - 6.75%. Credit Score: 730+; Rating: A+
As Low As; Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
No additional details provided.
No additional details provided.
As low as
Based on individual applications, for unsecured loans.; RATE range: 6.5%, 7.5%, 12.5%,14.5%, or 17.5%
Credit Score: 660 and up
No additional details provided.
Miscellaneous Collateral - Boats, ATV's, other fun stuff
Published APR range: 6.50% - 12.00%. Available Statewide; Maximum loan amount up to $80,000.00*
Promotional: $5,000.00 for 48 months. Maximum of one (1) per member
As low as
As Low As; Pay down your debt; APR range 5.96% - 35.99%
Includes .25% auto pay rate discount.
- Oct 4, 20266.59%▲ from 6.49%
- Sep 16, 20266.49%first recorded
Actual rate will vary based on creditworthiness and loan term. Subject to credit approval. Loan payment example: A $2,000 Personal Loan financed at 10.24% APR for 24 months, would have a monthly payment amount of $92.51. A First Financial Federal Credit Union membership is required to obtain a Personal Loan or Line of Credit, and is open to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan.
- Oct 12, 20266.61%▼ from 10.24%
- Sep 16, 202610.24%first recorded
As Low As; Max Loan: $50,000; Rate Update: September 1, 2023; Owner-occupied properties only
As Low As; Minimum of $30,000 loan
No additional details provided.
Additional APR listed for this product: 6.99%. As low as
Published APR range: 6.72% to 18.00%.
Max Amount: $100,000
Published APR range: 6.74% - 10.74%.
As low as; Loan amount up to $25,000
No additional details provided.
Minimum Loan Amount: $25,000; Maximum Loan Amount: $100,000
No additional details provided.
Personal Loans
As Low As; $10,000 min, $50,000 max
No additional details provided.
As Low As; Rates may vary based on individual creditworthiness
Additional APR listed for this product: 9.250%.
No additional details provided.
As Low As
As Low As; Personal Loans
As Low As
As Needed
As Low As; *
No additional details provided.
Term: 6 months to 72 months; Published APR range: 6.75% - 17.25%. Your rate, term, loan amount, and payments will vary based on creditworthiness and loan underwriting guidelines. Please visit our loan rate page for other rates. Our personal loans do not have fees, only the Quick Cash loan has an application fee, see below for those terms and conditions. Loan interest begins to accrue on the open date of the loan. Delaying the first payment for 30 days or more increases the amount of interest paid over the term of the loan.
Rate is equal to the U.S. Prime Rate published in the Wall Street Journal. Current Prime Rate is 6.75%. Rates listed are lowest possible with qualifying credit score of 651 or higher and eligible rate discounts.
As Low As
Rates Start As Low As
As Low As
- Oct 1, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
No additional details provided.
No additional details provided.
Additional APR listed for this product: 8.840%.
Rates Starting At...
No additional details provided.
new rates require a minimum advance of $1,000.00
As Low As; Rates As Low As; lowest possible APR for an Unsecured Loan; subject to credit approval
No additional details provided.
No additional details provided.
Term: 180 Month & 240 Month Terms; Maximum $75,000.00
No additional details provided.
As Low As; Loan Rates page, Personal/Longevity
APR with Discount as low as*: 6.45%
No additional details provided.
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000, minimum credit score is 730, and maximum term is 36 months. Payment Examples: On a $7,500 loan, the payment would be $231.54 per month for 36 months with a 6.99% APR.
- Oct 7, 20266.99%▼ from 9.04%
- Sep 15, 20269.04%first recorded
No additional details provided.
Published APR range: 6.99%-13.99%. Oct 5-30; Loan amount $500 - $3,500; Approval based on credit worthiness; No refinancing of existing MOPAC loans
As Low As
As Low As; Maximum Term; previously 7.50%; APR disclosed is the lowest rate available for a 12-month term
As Low As; Max Loan: $50,000; Rate Update: September 1, 2023; Owner-occupied properties only
No additional details provided.
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
As Low As; Signal Smart Plus members receive 0.25% discount; non-members add 0.25%
$8,500; As Low As
As Low As; APR includes a 0.25% discount for automatic monthly payments; APR increases by 0.25% without automatic payment
As Low As; Personal Loan Rates
As Low As; current as of January 1st 2026
No additional details provided.
Featured Rates
$5,000 limit
No additional details provided.
As Low As
Published APR range: 6.99% to 15.99%.
Special Rate
Loan amounts of $500 - $30,000
As low as
Loan amount $1,000 to $35,000
Minimum Amount: 1,000; FICO Score: Platinum 740+
As Low As; Maximum loan about $20,000.00.
Monthly Payment Per $1,000: $30.88
As low as; Personal Signature Loan($500 to $25000)
- Oct 5, 20266.99%▼ from 8.99%
- Sep 14, 20268.99%first recorded
Qualifications Required: qualifying borrowers; Back to School Special: Fixed 6.99% APR for qualifying borrowers on unsecured loans up to $2,500 for up to 24 months.
- Oct 9, 20266.99%▼ from 7.25%
- Sep 25, 20267.25%▲ from 6.99%
- Sep 14, 20266.99%first recorded
Published APR range: 6.99% - 10.99%.
Based on credit worthiness
With Inspired Checking As low as; Estimated monthly payment per $1,000: $13.63
As Low As; Interest Rate: 6.99% - 16.99%
- Oct 9, 20266.99%▼ from 7.99%
- Sep 14, 20267.99%first recorded
Published APR range: 6.99% - 16.00%. Min-Max Amount: $500 - $5,000
No additional details provided.
FICO Range: 740+
Merit based price in effect; actual rate may vary based on your credit score. Terms up to 10 years. $20,000 maximum loan. Solar projects on primary home only. No equity required. Some restrictions apply. Rates effective 09/24/2026.
APR= Annual Percentage Rate. All rates subject to credit approval and credit score. Additional rate adjustments may apply based upon credit score. 4.00% with any bankruptcy within the last 36 mos. Other restrictions may apply. Rates subject to change without notice.
As Low As; Loan Amount: $10,000.00 - $250,000.00
- Oct 10, 20266.99%▼ from 11.74%
- Sep 14, 202611.74%first recorded
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As low as*
Secured by Share Certificate
Published APR range: 6.99% - 14.24%.
No additional details provided.
As low as
Borrower must be a QNB customer.
Personal Loan Rates
Borrow up to $25,000
- Oct 9, 20263.99%▼ from 8.99%
- Sep 14, 20268.99%first recorded
Up to $25,000; Rate is APR*
No additional details provided.
Up to $25,000; Rate is APR*
Term: A+ Credit | Up to 36 Months
As low as; A loan for anything in your life. Vacations, weddings, medical costs, adoption costs, and much more. A fixed term low rate personal loan can help. We're here to help you get the right loan personalized for your unique situation.
No additional details provided.
Based on credit worthiness
With 1st National Deposit Account as Collateral
Up to $25,000; Rate is APR*
with credit score 650 or >; Rate with Maximum Discount*: 5.75%; Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
- Sep 27, 20266.00%▼ from 11.00%
- Sep 18, 202611.00%first recorded
No additional details provided.
As Low As; Auto Pay Discount: 6.39%
As Low As
699-650
As Low As; Special fixed up to 15 months; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account
Published APR range: 6.50% - 16.75%. Rates range from 5.00% - 18.00% APR based on credit history; rates quoted assume excellent borrower credit history
Additional APR listed for this product: 8.750%.
Published APR range: 6.50 - 6.75%; Published rate range: 6.50 - 6.75%. Credit Score: 730+; Rating: A+
As Low As; Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
No additional details provided.
As low as
Promotional: $5,000.00 for 48 months. Maximum of one (1) per member
As Low As; Pay down your debt; APR range 5.96% - 35.99%
Includes .25% auto pay rate discount.
- Oct 4, 20266.59%▲ from 6.49%
- Sep 16, 20266.49%first recorded
Actual rate will vary based on creditworthiness and loan term. Subject to credit approval. Loan payment example: A $2,000 Personal Loan financed at 10.24% APR for 24 months, would have a monthly payment amount of $92.51. A First Financial Federal Credit Union membership is required to obtain a Personal Loan or Line of Credit, and is open to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan.
- Oct 12, 20266.61%▼ from 10.24%
- Sep 16, 202610.24%first recorded
As Low As; Minimum of $30,000 loan
No additional details provided.
Personal Loans
As Low As; $10,000 min, $50,000 max
As Low As; Rates may vary based on individual creditworthiness
Additional APR listed for this product: 9.250%.
No additional details provided.
As Low As
As Low As; Personal Loans
As Needed
Term: 6 months to 72 months; Published APR range: 6.75% - 17.25%. Your rate, term, loan amount, and payments will vary based on creditworthiness and loan underwriting guidelines. Please visit our loan rate page for other rates. Our personal loans do not have fees, only the Quick Cash loan has an application fee, see below for those terms and conditions. Loan interest begins to accrue on the open date of the loan. Delaying the first payment for 30 days or more increases the amount of interest paid over the term of the loan.
Rate is equal to the U.S. Prime Rate published in the Wall Street Journal. Current Prime Rate is 6.75%. Rates listed are lowest possible with qualifying credit score of 651 or higher and eligible rate discounts.
As Low As
No additional details provided.
Additional APR listed for this product: 8.840%.
No additional details provided.
No additional details provided.
No additional details provided.
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000, minimum credit score is 730, and maximum term is 36 months. Payment Examples: On a $7,500 loan, the payment would be $231.54 per month for 36 months with a 6.99% APR.
- Oct 7, 20266.99%▼ from 9.04%
- Sep 15, 20269.04%first recorded
No additional details provided.
As Low As
No additional details provided.
As Low As; APR includes a 0.25% discount for automatic monthly payments; APR increases by 0.25% without automatic payment
As Low As; Personal Loan Rates
As Low As; current as of January 1st 2026
As Low As
Special Rate
Loan amounts of $500 - $30,000
Monthly Payment Per $1,000: $30.88
Based on credit worthiness
As Low As; Interest Rate: 6.99% - 16.99%
- Oct 9, 20266.99%▼ from 7.99%
- Sep 14, 20267.99%first recorded
No additional details provided.
As Low As; Loan Amount: $10,000.00 - $250,000.00
- Oct 10, 20266.99%▼ from 11.74%
- Sep 14, 202611.74%first recorded
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As low as*
As low as
Borrower must be a QNB customer.
Debt Consolidation Loan Rates
As Low As
- Sep 22, 20264.25%▼ from 5.25%
- Sep 14, 20265.25%first recorded
As Low As; Variable Rate**
No additional details provided.
Rate quoted based on 36 month term, $1,000 up to $30,000; Rates available on approved credit; 0.25% discount with e-Statements and automated payments on select collateral loans
As Low As
- Sep 22, 20265.00%▼ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Variable Rate**
No additional details provided.
As Low As
As Low As; Fixed Rate*
- Oct 10, 20265.25%▲ from 4.25%
- Sep 22, 20264.25%first recorded
As low as
No additional details provided.
Starting as low as 5.75%
As Low As
As Low As; Fixed Rate*
- Oct 10, 20265.75%▲ from 5.00%
- Sep 22, 20265.00%first recorded
Loan amount $1,000 to $35,000
No additional details provided.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Featured Rates
No additional details provided.
Loan amount $1,000 to $35,000
Signature Loan Rates
No additional details provided.
Must provide proof of studentship.
Credit Score of 750; $7,500 Maximum
- Sep 22, 20265.00%▼ from 10.00%
- Sep 18, 202610.00%first recorded
As Low As; Secured Loan Pricing - Base Rates; Certain restrictions apply on Closed End Signature Loans
No additional details provided.
Signature Loan
Published rate range: 6.00% to 15.00%.
Published rate range: 6.24% - 17.99%.
As Low As
No additional details provided.
Credit Score: 660 and up
No additional details provided.
Miscellaneous Collateral - Boats, ATV's, other fun stuff
As low as
Additional APR listed for this product: 6.99%. As low as
Published APR range: 6.72% to 18.00%.
Published APR range: 6.74% - 10.74%.
As low as; Loan amount up to $25,000
No additional details provided.
As Low As
No additional details provided.
new rates require a minimum advance of $1,000.00
As Low As; Rates As Low As; lowest possible APR for an Unsecured Loan; subject to credit approval
No additional details provided.
No additional details provided.
Published APR range: 6.99%-13.99%. Oct 5-30; Loan amount $500 - $3,500; Approval based on credit worthiness; No refinancing of existing MOPAC loans
As Low As; Maximum Term; previously 7.50%; APR disclosed is the lowest rate available for a 12-month term
As Low As; Signal Smart Plus members receive 0.25% discount; non-members add 0.25%
$8,500; As Low As
$5,000 limit
Published APR range: 6.99% to 15.99%.
As low as; Personal Signature Loan($500 to $25000)
- Oct 5, 20266.99%▼ from 8.99%
- Sep 14, 20268.99%first recorded
Published APR range: 6.99% - 16.00%. Min-Max Amount: $500 - $5,000
APR= Annual Percentage Rate. All rates subject to credit approval and credit score. Additional rate adjustments may apply based upon credit score. 4.00% with any bankruptcy within the last 36 mos. Other restrictions may apply. Rates subject to change without notice.
Published APR range: 6.99% - 14.24%.
No additional details provided.
Personal Loan Rate Trends
Weekly average APRs, compiled from 8,500+ banks & credit unions, updated nightly.
Personal Loan rates fell 0.009 points this week to 11.020%, down from 11.029% last week.
Signature Loan rates rose 0.077 points this week to 11.277%, up from 11.199% last week.
Personal Loan Rate Trends
Weekly average APRs. Hover to see exact rates for each day.
Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and debt consolidation averages from the current national figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles; advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at today’s average personal loan APR of 11.02%, across the terms lenders most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $233.09/mo | $163.74/mo | $129.28/mo | $108.76/mo |
| $10,000 | $466.17/mo | $327.48/mo | $258.55/mo | $217.52/mo |
| $15,000 | $699.26/mo | $491.22/mo | $387.83/mo | $326.29/mo |
| $25,000 | $1,165.43/mo | $818.71/mo | $646.38/mo | $543.81/mo |
| $35,000 | $1,631.60/mo | $1,146.19/mo | $904.94/mo | $761.34/mo |
Principal and interest only, calculated from the current average APR. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt: What You Could Save
Debt consolidation is the single most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the current personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (current average) | 11.02% | $387.83 | $3,616 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,534 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,069 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,661 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and increase interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
About Our Personal Loan Rate Database
The tables on this page surface the lowest-APR personal loan offers we track: unsecured personal loans, debt consolidation loans, and signature loans, drawn from the thousands of verified rates in our database. Every APR is sourced directly from the lender’s own website and re-verified regularly, so what you compare here is what lenders are actually advertising today.
The lowest verified personal loan APR in our database right now is 3.99% APR from Manchester Municipal Federal Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.
How to Get the Best Personal Loan Rate
Prequalify With a Soft Credit Check
Most lenders will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several lenders before formally applying. The advertised rate is the best-qualified rate, and the number you personally get can differ by many points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and are deducted from your proceeds, so a loan with a lower interest rate can easily cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our database, and many charge no origination fee at all. Federal credit unions are also capped by regulation on what they may charge, which puts a ceiling on your rate that most other lenders don’t have.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest option. Here is how it compares to the main alternatives.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment, fixed payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid off in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with today’s personal loan average, or click any current rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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 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 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 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.
Personal Loans for Bad Credit
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
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?
What is an origination fee and how does it affect my cost?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
Can I get a personal loan with bad credit?
What is the maximum APR on a bad credit personal loan from a credit union?
Top Personal Loan Rates
- Manchester Municipal Federal Credit Union: 3.99% APR (Personal Loan)
- Crouse Federal Credit Union: 3.99% APR (Share Secured Loan - 100% Shares Pledged)
- Oak Lawn Municipal Employees Credit Union: 3.99% APR (SIGNATURE LOANS)
- Hawaii County Employees Federal Credit Union: 4.00% APR (Personal Loan)
- Healthcare Associates Credit Union: 4.00% APR (Share Secured Loan)
Personal Loan Rates by State
