Best Personal Loan Rates in District Of Columbia - July 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 District Of Columbia include: United States Senate Federal Credit UnionUnited States Senate Federal Credit Union441 G St NW Rm 1100, Washington, DC, 20548 0001A5.0 ★Texas Ratio: 12.55% offering Personal Loan at 5.49% APR, Hingham Institution for SavingsHingham Institution for Savings1061 Thomas Jefferson St Nw, Washington, DC, 20007A+5.0 ★Texas Ratio: 0.05% offering 15 YR Loan at 6.03% APR, Commonwealth One Federal Credit UnionCommonwealth One Federal Credit Union441 G St NW Ste 3M54, Washington, DC, 20548 0001A-5.0 ★Texas Ratio: 12.83% offering Personal Loan at 6.15% APR, IDB Global Federal Credit UnionIDB Global Federal Credit Union1300 New York Ave NW, Washington, DC, 20577 0001A+5.0 ★Texas Ratio: 0.98% offering Personal Loan - Variable Rate at 6.25% APR, and Justice Federal Credit UnionJustice Federal Credit Union935 Pennsylvania Ave NW Rm 8676, Washington, DC, 20535 0001A5.0 ★Texas Ratio: 8.56% offering Personal Loan at 6.50% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across District Of Columbia side-by-side. District Of Columbia personal loan rates currently start as low as 5.49% APR from United States Senate Federal Credit Union at 441 G St NW Rm 1100, Washington, DC, 20548 0001. 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 District Of Columbia.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in District Of Columbia. 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
District Of Columbia Personal Loan Rates
As low as $30.20+
No additional details available.
As Low As; Maximum $3,000
No additional details available.
No additional details available.
As Low As; Loan Amount: $500 - $25,000
No additional details available.
As Low As; Fixed APR
Limited Time: Enjoy a rate as low as 6.74% APR!
Margin: 3.000%
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
Maximum Financed: $8,000. Annual Percentage Rate. No discounts apply. Terms and conditions vary based on creditworthiness and other qualifications and are subject to change. A $8,000, 48 month, at 7% Annual Percentage Rate (APR) will have estimated monthly payments of $192.12
No additional details available.
Payments on $1,000 at 7.25% APR* for 12 months would be just $86.06. APR (Annual Percentage Rate) is subject to change without notice. The quoted rate is the lowest available to qualified applicants without relationship pricing. The actual interest rate is based on individual credit history and relationship pricing.
No additional details available.
Rates as low as 7.44% APR. No application fees, and no payment for 45 days.
Minimum unsecured (signature) loan amount is $1,000.00. These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate.
As Low As
Maximum: $125,000
As Low As; Fixed APR
As Low As; Payment Example Calculated with a loan amount of $25,000: $1,127.95
No additional details available.
As Low As; No early-payment penalty. No collateral required. No hidden fees.
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
Applications accepted through 07/31/2026; loans must be disbursed by 08/15/2026. No prepayment penalty. Offer subject to credit approval and available funds.
Amount Financed: up to $20,000
As Low As; Maximum APR: 18.00%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Total rate discounts cannot exceed 1.50%.
As Low As
As Low As
Loan Amount: $500+
As Low As; $50,000 maximum loan amount
Maximum: $125,000
No additional details available.
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
No additional details available.
As Low As
Maximum: $125,000
Excellent; No past credit issues
Loan Amount: $2,500+
No additional details available.
This is a fixed rate and will remain the same during the entire life of the loan. Loan approval is based on a credit and repayment ability evaluation, and it is possible that you may not qualify for this loan. Loan disbursement subject to proof of purchase or invoice of the green product. Available only for members and improvements in the United States.
Up to $15,000 for energy-saving or sustainability-related projects. Covers small energy-saving upgrades (eligible U.S. projects only). One of our most competitive fixed personal loan rates, with terms up to 42 months. Repayment example: For a $10,000 loan with a repayment term of 42 months at an APR of 8.44%, the monthly payment would be approximately $314.11.
Loan Amount: $3,000+
No additional details available.
No additional details available.
Starting Rate
Starting Rate
Starting Rate
Maximum: $125,000
As Low As; Fixed APR
No additional details available.
Variable indexed rate based on The Wall Street Journal Prime Rate. Rate may change on March 31, June 30, September 30, or December 31. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
As Low As; Payment Example Calculated with a loan amount of $25,000: $619.16
No additional details available.
No additional details available.
As Low As; Loan Amount: $500-$40,000
As Low As
As Low As; $50,000 maximum loan amount
Loan Amount: $5,000+
APR reflects 0.25% discount for automatic payment made from member's LFCU account and established qualified direct deposit into member's LFCU checking account. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.Share Secured APR based on dividend tier at time of origination and is adjusted with dividend rate. Monthly minimum payment is $30 per $1,000 borrowed.
As Low As; No collateral - just your signed promise to repay!
No additional details available.
Variable rate based on 3% over published Prime rate in Wallstreet Journal
Excellent; No past credit issues
No additional details available.
As Low As
No additional details available.
No additional details available.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
up to $50,000
Certain restrictions apply. Not all applicants will qualify.
No additional details available.
As Low As; ***
Loan Amount: $5,000+
No additional details available.
As Low As; ***
Excellent; No past credit issues
As Low As; Fixed APR
No additional details available.
As Low As; Payment Example Calculated with a loan amount of $25,000: $528.11
Borrow up to $35,000 with flexible 1-6 year terms. Unsecured loans-no collateral required. Funds are typically available quickly after signing, subject to verification. Option to skip up to two non-consecutive payments per calendar year. Variable rates are tied to the Wall Street Journal Prime Rate plus a margin and may increase after the loan is opened.
No additional details available.
As Low As
As Low As; Fixed Rate
As Low As
As Low As; $50,000 maximum loan amount
As Low As; ***
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; ***
As Low As; Fixed Rate
As Low As; Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly. Not all will qualify for the lowest rate. Not all will be approved. APR is based on evaluation of applicant's credit. Your actual APR may vary.
As Low As; Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly. Not all will qualify for the lowest rate. Not all will be approved. APR is based on evaluation of applicant's credit. Your actual APR may vary.
As Low As
As Low As; ***
As Low As; Fixed Rate
No additional details available.
No additional details available.
Good; No recent credit issues
As Low As; Fixed APR
As Low As; Fixed Rate
No additional details available.
No additional details available.
As Low As
As Low As; $50,000 maximum loan amount
As Low As; Fixed Rate
No additional details available.
No additional details available.
No additional details available.
As Low As; ***
As Low As
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
Variable APR*; Rates as Low As; Annual percentage rate (APR*) for purchases; Annual percentage rate (APR*) for balance transfers and cash advances
As Low As; $50,000 maximum loan amount - $20,000 minimum loan amount for 61-72 month term
No additional details available.
As Low As; Variable Rate
As Low As
As Low As
As Low As
Good; No recent credit issues
As Low As; Variable APR
No additional details available.
Ok; Had some issues in the past
No additional details available.
Loan Amount: $5,000+
No additional details available.
Good; No recent credit issues
Excellent; No past credit issues
Variable APR*; Rates as Low As; Annual percentage rate (APR*) for purchases; Annual percentage rate (APR*) for balance transfers and cash advances
Ok; Had some issues in the past
As Low As
As Low As; Variable Rate
As Low As; Loan Amount: $250-$40,000
Minimum: $1,000; Maximum: $50,000
Ok; Had some issues in the past
Variable APR*; Rates as Low As; Annual percentage rate (APR*) for purchases; Annual percentage rate (APR*) for balance transfers and cash advances
No additional details available.
Good; No recent credit issues
No additional details available.
Maximum $1,000; As Low As; **
No additional details available.
Ok; Had some issues in the past
Needs some improvement
No additional details available.
District Of Columbia Personal Loan Rates
As low as $30.20+
As Low As; Maximum $3,000
No additional details available.
As Low As; Loan Amount: $500 - $25,000
No additional details available.
As Low As; Fixed APR
No additional details available.
Margin: 3.000%
As Low As
As Low As
No additional details available.
No additional details available.
Rates as low as 7.44% APR. No application fees, and no payment for 45 days.
Maximum: $125,000
As Low As; Fixed APR
As Low As; No early-payment penalty. No collateral required. No hidden fees.
As Low As
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
Loan Amount: $500+
As Low As; $50,000 maximum loan amount
Maximum: $125,000
As Low As
Maximum: $125,000
Excellent; No past credit issues
Loan Amount: $2,500+
Maximum: $125,000
Starting Rate
Loan Amount: $3,000+
As Low As; Fixed APR
As Low As; Loan Amount: $500-$40,000
As Low As
As Low As; $50,000 maximum loan amount
Loan Amount: $5,000+
As Low As; No collateral - just your signed promise to repay!
Excellent; No past credit issues
As Low As
No additional details available.
up to $50,000
As Low As; ***
Loan Amount: $5,000+
As Low As; Fixed APR
Excellent; No past credit issues
As Low As; ***
Borrow up to $35,000 with flexible 1-6 year terms. Unsecured loans-no collateral required. Funds are typically available quickly after signing, subject to verification. Option to skip up to two non-consecutive payments per calendar year. Variable rates are tied to the Wall Street Journal Prime Rate plus a margin and may increase after the loan is opened.
As Low As
As Low As; ***
As Low As; $50,000 maximum loan amount
As Low As; Fixed Rate
As Low As
As Low As; ***
As Low As; Fixed Rate
As Low As; Fixed Rate
As Low As; ***
As Low As
Good; No recent credit issues
As Low As; Fixed APR
As Low As; Fixed Rate
No additional details available.
As Low As
As Low As; $50,000 maximum loan amount
As Low As; Fixed Rate
As Low As; ***
As Low As
As Low As
As Low As
As Low As; $50,000 maximum loan amount - $20,000 minimum loan amount for 61-72 month term
As Low As
Good; No recent credit issues
As Low As; Variable APR
Ok; Had some issues in the past
Loan Amount: $5,000+
Good; No recent credit issues
Excellent; No past credit issues
Ok; Had some issues in the past
As Low As
As Low As; Loan Amount: $250-$40,000
Ok; Had some issues in the past
Good; No recent credit issues
No additional details available.
No additional details available.
Ok; Had some issues in the past
Needs some improvement
District Of Columbia Debt Consolidation Loan Rates
No additional details available.
No additional details available.
District Of Columbia Signature Loan Rates
As Low As
Maximum Financed: $8,000. Annual Percentage Rate. No discounts apply. Terms and conditions vary based on creditworthiness and other qualifications and are subject to change. A $8,000, 48 month, at 7% Annual Percentage Rate (APR) will have estimated monthly payments of $192.12
As Low As
Minimum unsecured (signature) loan amount is $1,000.00. These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate.
As Low As; Payment Example Calculated with a loan amount of $25,000: $1,127.95
No additional details available.
As Low As
As Low As; Maximum APR: 18.00%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Total rate discounts cannot exceed 1.50%.
Amount Financed: up to $20,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Payment Example Calculated with a loan amount of $25,000: $619.16
APR reflects 0.25% discount for automatic payment made from member's LFCU account and established qualified direct deposit into member's LFCU checking account. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.Share Secured APR based on dividend tier at time of origination and is adjusted with dividend rate. Monthly minimum payment is $30 per $1,000 borrowed.
No additional details available.
No additional details available.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
No additional details available.
As Low As; Payment Example Calculated with a loan amount of $25,000: $528.11
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
No additional details available.
Variable APR*; Rates as Low As; Annual percentage rate (APR*) for purchases; Annual percentage rate (APR*) for balance transfers and cash advances
District Of Columbia Personal Loan Rate Trends
Compare local District Of Columbia 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.
District Of Columbia personal loan rates currently average 10.398% APR.
District Of Columbia signature loan rates currently average 9.375% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our District Of Columbia 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 District Of Columbia 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 District Of Columbia. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in DC.
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 District Of Columbia?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in District Of Columbia?
Are credit unions or banks better for personal loans in District Of Columbia?
What are the best personal loan rates in District Of Columbia?
- United States Senate Federal Credit Union: 5.49% (Personal Loan)
- Hingham Institution for Savings: 6.03% (15 YR Loan)
- Commonwealth One Federal Credit Union: 6.15% (Personal Loan)
- IDB Global Federal Credit Union: 6.25% (Personal Loan - Variable Rate)
- Justice Federal Credit Union: 6.50% (Personal Loan)
