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: Streator Onized Credit UnionStreator Onized Credit Union912 N Shabbona St, Streator, IL, 61364A+5.0 ★Texas Ratio: 2.06%'s 2024 & Newer Purchase Rate Loan has an APR of 3.99%, Educational and Governmental Federal Credit UnionEducational and Governmental Federal Credit Union333 N Central Ave Fl 2, Hartsdale, NY, 10530 1811A5.0 ★Texas Ratio: 7.61%'s Borrow against the funds in your account Loan has an APR of 3.99%, Affinity One Federal Credit UnionAffinity One Federal Credit Union545 E 2nd St, Jamestown, NY, 14701A+5.0 ★Texas Ratio: 1.30%'s 24 Months Loan has an APR of 3.99%, Affinity One Federal Credit UnionAffinity One Federal Credit Union545 E 2nd St, Jamestown, NY, 14701A+5.0 ★Texas Ratio: 1.30%'s 36 Months Loan has an APR of 3.99%, and Affinity One Federal Credit UnionAffinity One Federal Credit Union545 E 2nd St, Jamestown, NY, 14701A+5.0 ★Texas Ratio: 1.30%'s 48 Months Loan has an APR of 3.99%. Personal loan rates as of July 6, 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 6, 2026
Personal Loan Rates
No additional details provided.
As Low As; Borrow up to $50,000
As Low As
As Low As
As Low As
As Low As
No additional details provided.
No additional details provided.
Variable Rate APR: 4.00% - 12.50%
New Autos: Purchase/Refinance (add .5% for cash out)
$40; New Autos: Purchase/Refinance (add .5% for cash out)
Credit Score: 550 - 649
Intro rate for balance transfers made in the first 30 days. Rates following intro period are 11.49%-18.00% based on creditworthiness and vary based on the prime rate.
No payments for 60-days.
No additional details provided.
up to $3000.00
up to $3000.00
No additional details provided.
As Low As
As Low As; Fixed APR*
As Low As; Sample Monthly Payment for $20,000: $590
Intro rate expires: 6 months
As Low As*
As Low As
Score: 730 +; Grade of Paper: Platinum
Score: 730 +; Grade of Paper: Platinum
Score: 730 +; Grade of Paper: Platinum
Intro rate as low as 3.99% APR*; As Low As
As Low As; Build your credit & growing your savings.
New Money Only
Intro rate expires: 84 Month; **
Credit Score 735+
Purchases or Refinance from another financial institution. Certain restrictions apply. See a Loan Officer for Details!
No additional details provided.
No additional details provided.
As low as; APR is Annual Percentage Rate. Click for details.
As Low As; starting at 3.99%
No additional details provided.
Available October 1st, 2025, through December 1st, 2025.
No additional details provided.
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
APR*
No credit check
Variable Rate APR: 4.00% - 12.50%
No additional details provided.
No additional details provided.
As low as; *
No additional details provided.
As Low As; APR*
As Low As; APR*
As Low As
This Recreation Vehicle Loan Rate applies to current and previous year.
Beacon Score: 725+; Beacon Score: 675 - 724; Beacon Score: 625 - 674
As Low As
No additional details provided.
As Low As; Starting at 4.00%
No additional details provided.
Variable Rate** (as low as)
Loan Amount: $1,501 - $3,000
As Low As; APR = Annual Percentage Rate. For Example: 60 payments of $18.42 per $1000 borrowed.
As Low As; Membership Required. Certain restrictions apply.
No additional details provided.
No payments for 90 days. No origination fee. Fast approval. Applications accepted through August 1, 2026.
No additional details provided.
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. Payment example: 12 monthly payments of $85.05 for $1,000 borrowed. Rates effective as of 3/1/2019 and are subject to change without notice.
As Low As
Max. amount $5,000
As Low As
No additional details provided.
Fixed
Fixed
As Low As
New / Used (2021 - 2026)2
APR4
No additional details provided.
Fixed
No additional details provided.
As Low As; maximum rates up to 14.99% APR*; 2017 or newer, some restrictions apply. APR = annual percentage rate. Rate is based on credit worthiness, income and credit score.
No additional details provided.
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As
ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts
$500 - $1,500
Credit Score 735+
APR*
No additional details provided.
No additional details provided.
Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date. Rates are effective as of January 5, 2026.
As Low As
As Low As
As Low As
As Low As
As Low As; $60,000 Loan Minimum
New Autos: Purchase/Refinance (add .5% for cash out)
$40; New Autos: Purchase/Refinance (add .5% for cash out)
No additional details provided.
As low as; *
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; APR*
As Low As; APR*
No additional details provided.
$10,000; Credit Score: 720+
$5,000; Credit Score: 720+
No additional details provided.
This Recreation Vehicle Loan Rate applies to current and previous year.
Equifax Score: 750+
No additional details provided.
As Low As; New Auto Loan
New Money Only
The lowest rates around for your new Cycle!
No additional details provided.
No additional details provided.
As Low As; APR*
As Low As; APR*
Fixed
APR* up to 15.49%
As Low As; Sample Monthly Payment for $20,000: $372
As Low As; Fixed APR*
As Low As
New Money Only
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
Model Year: Up to 10 model years old
As Low As
No additional details provided.
No additional details provided.
As Low As*
Model Year: New-2026, LTV: 100%
No additional details provided.
No additional details provided.
No additional details provided.
New Autos: Purchase/Refinance (add .5% for cash out)
$40; New Autos: Purchase/Refinance (add .5% for cash out)
As Low As; Rate subject to risk adjustment. Credit restrictions apply.
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; Minimum Financing of $15,000 for 72 Months
APR* up to 16.49%
As Low As; Borrow up to $100,000
No additional details provided.
No additional details provided.
No additional details provided.
No payments for up to 90 days
As Low As; APR
As Low As; APR
As Low As; APR
As Low As; starting at 4.49%
As Low As; starting at 4.49%
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
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
No additional details provided.
APR*
Invoice: 100%
No additional details provided.
No additional details provided.
No additional details provided.
As low as; *
As low as; *
No additional details provided.
No additional details provided.
As Low As
As Low As
As Low As; APR*
As Low As; APR*
Beacon Score: 725+
Beacon Score: 725+
Score: 730 +; Grade of Paper: Platinum
As Low As
New; 2011-2026
As Low As
No additional details provided.
As Low As; New Auto Loan
No additional details provided.
As Low As; APR is for vehicles with a perfected lien.
APR* (as low as)
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
No additional details provided.
Model Year: Up to 10 model years old
No additional details provided.
Fixed
No additional details provided.
Maximum LTV: 80% LTV
Maximum LTV: 90% LTV
Maximum LTV: 90% LTV
New Money Only
As Low As; *
Personal Loan Rates
Debt Consolidation Loan Rates
Variable Rate** (as low as)
Signature Loan Rates
up to $3000.00
up to $3000.00
No additional details provided.
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 0.006 points this week to 10.708%, up from 10.702% last week.
Signature Loan rates held steady at 11.002% APR this 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
- Streator Onized Credit Union: 3.99% APR (2024 & Newer Purchase Rate Loan)
- Educational and Governmental Federal Credit Union: 3.99% APR (Borrow against the funds in your account Loan)
- Affinity One Federal Credit Union: 3.99% APR (24 Months Loan)
- Affinity One Federal Credit Union: 3.99% APR (36 Months Loan)
- Affinity One Federal Credit Union: 3.99% APR (48 Months Loan)
Personal Loan Rates by State
