Best Personal Loan Rates in Waterbury, Connecticut - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Waterbury, Connecticut include: WATERBURY POSTAL EMPLOYEESWATERBURY POSTAL EMPLOYEES135 Grand St Rm 209, WATERBURY, CT, 06702 9992A+5.0 ★Texas Ratio: 3.88% offering Unsecured - Personal Loan at 9.50% APR, Police Federal Credit Union Of ConnecticutPolice Federal Credit Union Of Connecticut255 E Main St, Waterbury, CT, 06702 2301A5.0 ★Texas Ratio: 7.41% offering Unsecured Signature Loan at 10.25% APR, Skyline Financial Federal Credit UnionSkyline Financial Federal Credit Union3528 E Main St, Waterbury, CT, 06705A5.0 ★Texas Ratio: 13.60% offering Personal Co-Signer 36 Months Loan at 12.00% APR, Ion BankIon Bank910 Wolcott St, Waterbury, CT, 06705A5.0 ★Texas Ratio: 10.95% offering Personal Unsecured Loan at 14.00% APR, and Mutual Security Credit UnionMutual Security Credit UnionA+5.0 ★Texas Ratio: 4.07% offering 2025 or Newer (less than 5k miles) Loan at 4.69% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Waterbury has 4 local institutions in our database, with personal loan rates as low as 9.50% APR from WATERBURY POSTAL EMPLOYEES at 135 Grand St Rm 209, WATERBURY, CT, 06702 9992. 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 Waterbury, Connecticut.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Waterbury, Connecticut. 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
Waterbury Personal Loan Rates
Total loan amount cannot exceed $15,000.
Total loan amount cannot exceed $15,000.
As low as
Total loan amount cannot exceed $15,000.
Total loan amount cannot exceed $15,000.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
F
Rate: Prime Minus 2% APR*
No additional details available.
w/auto pay
F
F
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
F
F
w/auto pay
No additional details available.
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Over $10,000 requires collateral/comaker
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
As Low As; Special fixed
As Low As
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
F
No additional details available.
up to $5,000.00
up to $5,000.00
Borrow up to $5,000.00
As Low As; 1,2
Standard APR*
MAX $5,000
No additional details available.
F
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
F
No additional details available.
As Low As; Flexible terms to fit your budget No prepayment penalties Fixed monthly Payments Single/Joint Life insurance available Single/Joint Disability insurance available
F
As Low As; 1,2
Standard APR*
F
As Low As
As Low As
As Low As; *
No additional details available.
Limits Apply
No additional details available.
As Low As
No additional details available.
As Low As; 1,2
2APR = Annual Percentage Rate
As Low As; 1,2
As Low As; 1,2
No additional details available.
As Low As; **
As Low As
No additional details available.
As Low As
As Low As; $10,000.00 maximum single signature; Minimum loan $500.00
As Low As
No additional details available.
As low as; **
No additional details available.
No additional details available.
No additional details available.
Over $10,000 requires collateral/comaker
As low as; APR*
As Low As; 1,2
As Low As; 1,2
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment. Maximum loan amount $15,000. Sample repayment. Loan of $10,000, for 36 months, at 8.49% = payment of $315.69. Rates are subject to change without notice. APR= Annual Percentage Rate Rates are effective as of 01/13/26.
No additional details available.
Limits Apply
Fair Isaac Scores: 730 +; Credit Grade: A+
No additional details available.
As Low As
No additional details available.
Credit Score: 720+
As Low As; 1,2
As Low As; 1,2
As Low As
As Low As
No additional details available.
Over $10,000 requires collateral/comaker
Over $10,000 requires collateral/comaker
No additional details available.
No additional details available.
As Low As
$500 Minimum Loan Amount
As Low As; 1,2
As Low As; 1,2
As Low As
As Low As
As Low As
As Low As
As Low As; 1,2
Note 3
Fair Isaac Scores: 680-729; Credit Grade: A
As Low As; $4,000 and higher
No additional details available.
As Low As; 1,2
No additional details available.
As Low As; 1,2
Credit Score: 680 - 719
No additional details available.
F
$500; As Low As; **
As Low As
No additional details available.
UP TO 10,000.00; As low as 10.00% APR; CALL THE CREDIT UNION FOR RATE AND TERM INFO
As Low As; 1,2
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; 1,2
Signature (Unsecured Personal) Loans as Low as 10.50%
As Low As; 1,2
No additional details available.
As Low As; $10,000.00 maximum limit
No additional details available.
As low as; Personal Loans
No additional details available.
Credit Score: 620 - 679
$500 Minimum Loan Amount
As Low As
F
As Low As; *
Your actual rate may be higher based on your credit history and requires direct deposit. Rates subject to change without notice. Maximum loan is $25,000 per signer.
up to $25,000; Your actual rate may be higher based on your credit history and requires direct deposit. Rates subject to change without notice. Maximum loan is $25,000 per signer.
As low as; Personal Loans
No additional details available.
As Low As
Loan amount $4,000 and higher
No additional details available.
As Low As
No additional details available.
No additional details available.
Your actual rate may be higher based on your credit history and requires direct deposit. Rates subject to change without notice. Maximum loan is $25,000 per signer.
up to $25,000; Your actual rate may be higher based on your credit history and requires direct deposit. Rates subject to change without notice. Maximum loan is $25,000 per signer.
Waterbury Personal Loan Rates
Total loan amount cannot exceed $15,000.
Total loan amount cannot exceed $15,000.
Total loan amount cannot exceed $15,000.
Total loan amount cannot exceed $15,000.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Special fixed
As Low As
As Low As; Flexible terms to fit your budget No prepayment penalties Fixed monthly Payments Single/Joint Life insurance available Single/Joint Disability insurance available
As Low As
As Low As
As Low As; *
As Low As
2APR = Annual Percentage Rate
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment. Maximum loan amount $15,000. Sample repayment. Loan of $10,000, for 36 months, at 8.49% = payment of $315.69. Rates are subject to change without notice. APR= Annual Percentage Rate Rates are effective as of 01/13/26.
No additional details available.
As Low As
Credit Score: 720+
As Low As
No additional details available.
As Low As
As Low As; 1,2
As Low As
As Low As; 1,2
As Low As
As Low As
As Low As
Note 3
As Low As; 1,2
As Low As; $4,000 and higher
Credit Score: 680 - 719
As Low As
UP TO 10,000.00; As low as 10.00% APR; CALL THE CREDIT UNION FOR RATE AND TERM INFO
As Low As; 1,2
As Low As
As Low As; 1,2
As Low As; 1,2
As Low As
Credit Score: 620 - 679
As low as; Personal Loans
As Low As; *
As low as; Personal Loans
No additional details available.
As Low As
No additional details available.
Waterbury Debt Consolidation Loan Rates
$500 Minimum Loan Amount
F
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; $10,000.00 maximum limit
No additional details available.
No additional details available.
F
Loan amount $4,000 and higher
No additional details available.
As Low As
F
F
As low as; Debt Consolidation Loans
As Low As
As Low As
Waterbury Signature Loan Rates
As low as
No additional details available.
As Low As; 1,2
No additional details available.
As Low As; $10,000.00 maximum single signature; Minimum loan $500.00
No additional details available.
As Low As; 1,2
No additional details available.
As Low As; 1,2
As Low As; 1,2
$500; As Low As; **
As Low As; 1,2
Signature (Unsecured Personal) Loans as Low as 10.50%
No additional details available.
No additional details available.
Waterbury, CT Personal Loan Rate Trends
Compare local Waterbury, CT 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.
Connecticut personal loan rates rose 0.453 points over the past 7 days to 11.158% APR.
Connecticut signature loan rates currently average 9.395% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Waterbury, Connecticut 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 for Waterbury, Connecticut 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 institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Waterbury, Connecticut. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in CT.
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, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Connecticut?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Connecticut?
Are credit unions or banks better for personal loans in Waterbury, Connecticut?
What are the best personal loan rates in Waterbury, Connecticut?
- WATERBURY POSTAL EMPLOYEES: 9.50% (Unsecured - Personal Loan)
- Police Federal Credit Union Of Connecticut: 10.25% (Unsecured Signature Loan)
- Skyline Financial Federal Credit Union: 12.00% (Personal Co-Signer 36 Months Loan)
- Ion Bank: 14.00% (Personal Unsecured Loan)
- Mutual Security Credit Union: 4.69% (2025 or Newer (less than 5k miles) Loan)
Waterbury, Connecticut Rates & Resources
Personal Loan Calculators
