Best Personal Loan Rates in Springdale, Arkansas (AR) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Springdale, Arkansas include: UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union2894 W Sunset Ave, Springdale, AR, 72762B4.4 ★Texas Ratio: 21.76% offering Personal Loan at 13.74% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Arkansas AM&N College Federal Credit UnionArkansas AM&N College Federal Credit UnionA+5.0 ★Texas Ratio: 3.89% offering Personal Loan at 5.00% APR, White County Federal Credit UnionWhite County Federal Credit UnionA+5.0 ★Texas Ratio: 5.15% offering Recreational and Miscellaneous Loans - New - 2022-2025 at 5.99% APR, and Subiaco Federal Credit UnionSubiaco Federal Credit UnionA+5.0 ★Texas Ratio: 0.48% offering Agriculture Loans at 6.49% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Springdale has 1 local institution in our database, with personal loan rates as low as 13.74% APR from UNIFY Financial Federal Credit Union at 2894 W Sunset Ave, Springdale, AR, 72762. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
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 in Springdale, Arkansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Springdale, Arkansas. 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
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$6000 Maximum Rate depends on Credit rating
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$4000 Maximum Rate depends on credit rating
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$3000 Maximum Rate depends on credit rating
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$1200
Regular APR: 12.00 - 18.00
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$1500 Maximum Rate depends on credit rating
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As Low As; Use it for whatever life throws at you - Medical bills, vacation, home improvements, and more! These loans start at $250 and go up based on your income & credit. Rates and terms are fixed for up to 60 months.
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Qualifications Required: be a Member for at least 120 days; be 18 years old or older; have verifiable income; not be delinquent on any existing loans; not have a negative balance in any account; not be in the process of filing for bankruptcy; The Credit Union alternative for Pay Day Loans for when you're short between pay checks or have an unexpected expense. For an annual fee of $35, Members can borrow $250 a month. Pay back the initial advance plus the interest within 30 days and you can get another advance.
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As Low As; Unsecured Loans
Regular APR: 12.00 - 18.00
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Springdale, AR Personal Loan Rate Trends
Compare local Springdale, AR personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Arkansas personal loan rates currently average 11.687% APR.
Arkansas signature loan rates currently average 10.477% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Arkansas?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Arkansas?
Are credit unions or banks better for personal loans in Springdale, Arkansas?
What are the best personal loan rates in Springdale, Arkansas?
- UNIFY Financial Federal Credit Union: 13.74% (Personal Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Arkansas AM&N College Federal Credit Union: 5.00% (Personal Loan)
- White County Federal Credit Union: 5.99% (Recreational and Miscellaneous Loans - New - 2022-2025)
- Subiaco Federal Credit Union: 6.49% (Agriculture Loans)
Personal Loan Calculators
