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, OAS Staff Federal Credit UnionOAS Staff Federal Credit Union1889 F St NW, Washington, DC, 20006A5.0 ★Texas Ratio: 8.95% offering New & Used (3 Years Old - 2024 or newer) Loan at 5.99% 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, 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 ADVANTAGE FINANCIALADVANTAGE FINANCIAL810 VERMONT AVE NW, WASHINGTON, DC, 20420A5.0 ★Texas Ratio: 7.37% offering 12 months or less Loan at 6.49% APR. Personal loan rates as of July 24, 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 24, 2026
District Of Columbia Personal Loan Rates
As low as $30.20
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As; Auto Pay Discount: 6.39%
As Low As; Loan Amount: $500 - $25,000
As low as
No additional details available.
APR is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. As it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. 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.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Unsecured, Bill Consolidation, Signature
As Low As; 6.99%
No additional details available.
Example: payments on $1,000 at 7.25% APR* for 12 months would be just $86.06. APR 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.
APR is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. As it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. 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.
No additional details available.
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; w/ Auto Pay Discount: as low as 7.39%
As Low As; Auto Pay Discount: 7.39%
As Low As; quick funding, no application fees, and no payment for 45 days
Minimum: $250; Maximum: $125,000
As Low As; Payment Example Calculated with a loan amount of $25,000
No additional details available.
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.
As low as; $50,000 maximum loan amount
No additional details available.
No additional details available.
Minimum: $250; Maximum: $125,000
As Low As; Minimum loan amount $500+
Minimum: $250; Maximum: $125,000
As Low As; Minimum loan amount $2,500+
No additional details available.
As Low As
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. Payments: $319.87 /mo.
Starting Rate
Starting Rate
Starting Rate
No additional details available.
As Low As; Auto Pay Discount: 8.39%
No additional details available.
As Low As; Minimum loan amount $3,000+
Minimum: $250; Maximum: $125,000
As Low As; w/ Auto Pay Discount: as low as 8.39%
No additional details available.
As Low As; Payment Example Calculated with a loan amount of $25,000
The Wall Street Journal Prime Rate is used as reference and may fluctuate. Rate may change on the last day of March, June, September or December. 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.
No additional details available.
No additional details available.
As Low As; Loan Amount: $500-$40,000
Personal/Signature Loan ($35,000 Maximum)
Rates as low as; No collateral - just your signed promise to repay!
As low as; $50,000 maximum loan amount
As Low As; Unsecured, Bill Consolidation, Signature
Bill Payer/Debt Consolidation ($35,000 Maximum)
Stated APR is the lowest rate available for qualified members. Actual rate may be higher based on income, credit worthiness, and extended loan terms. 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; Minimum loan amount $5,000+
Bill Payer/Debt Consolidation ($35,000 Maximum)
Personal/Signature Loan ($35,000 Maximum)
No additional details available.
No additional details available.
Certain restrictions apply. Not all applicants will qualify.
up to $50,000
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; Unsecured, Bill Consolidation, Signature
As Low As; ***; Estimated Monthly Payment: As low as $45.93
As Low As; Minimum loan amount $5,000+
No additional details available.
As Low As; w/ Auto Pay Discount: as low as 9.39%
As Low As; Auto Pay Discount: 9.39%
Est. Monthly Payment per $1000: $45.93/24 Mos.
As Low As; ***; Estimated Monthly Payment: As low as $32.16
No additional details available.
As Low As; Payment Example Calculated with a loan amount of $25,000
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. Payments: $271.36 /mo.
No additional details available.
No additional details available.
As low as; $50,000 maximum loan amount
As Low As
As Low As; ***; Estimated Monthly Payment: As low as $25.37
As low As*
Est. Monthly Payment per $1000: $32.28/36 Mos.**
As Low As; ***; Estimated Monthly Payment: As low as $21.38
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. Annual Percentage Rate. APR is based on evaluation of applicant's credit. Your actual APR may vary.
No additional details available.
As Low As; Auto Pay Discount: 10.39%
As Low As; w/ Auto Pay Discount: as low as 10.39%
As Low As; ***; Estimated Monthly Payment: As low as $18.79
As low As*
Est. Monthly Payment per $1000: $25.62/48 Mos.
No additional details available.
As Low As
No additional details available.
As low as; $50,000 maximum loan amount
As low As*
Est. Monthly Payment per $1000: $21.76/60 Mos.
As Low As; ***; Estimated Monthly Payment: As low as $17.00
As Low As; Unsecured, Bill Consolidation, Signature
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; Variable Rate
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; Unsecured, Bill Consolidation, Signature
As Low As; Rate: WSJ Prime^ + 3.49%
No additional details available.
As Low As; Minimum loan amount $5,000+
As low As*
As Low As; Variable Rate
As Low As; Loan Amount: $250-$40,000
Minimum: $1,000; Maximum: $50,000
No additional details available.
As Low As; Rate: WSJ Prime^ + 5.49%
As low As*
No additional details available.
No additional details available.
As Low As; Rate: WSJ Prime^ + 7.49%
No additional details available.
No additional details available.
If you've been an OAS FCU member for at least two years and have two years of continuous employment or a verifiable pension income, you may qualify for an unsecured personal loan of up to three times your monthly income. Borrow up to three times your monthly income, up to $5,000. No SSN or U.S. credit checks required. Easy 3-year repayment schedule. Skip up to two non-consecutive payments per calendar year. No fees to apply or pay off early. Pay conveniently online from anywhere in the world. Payments: $45.91 /mo.
This is a variable rate loan. The rate is determined by adding a margin to an existing published rate (the Prime Rate published on the Wall Street Journal), and the rate may change without previous notice on the last day of March, June, September or December each year; however, your rate will never exceed 18% APR. 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. This loan is offered exclusively to members of OAS FCU who do not otherwise qualify for any loans via their employers as part of their employers' relationships with the Credit Union. We offer this loan to those who have been members of OAS FCU longer than one year, and who can provide proof of employment with income exceeding 24 months.
As Low As
As Low As
$750; As Low As
$10,000; Variable
As Low As; Variable Rate
Minimum: $100; Maximum: $1,000
No additional details available.
As Low As*
Payment example: Loan of $1,000.00 at a rate of 18.00% APR for 6 months would have monthly payments of $175.53.
No additional details available.
District Of Columbia Personal Loan Rates
As low as $30.20
No additional details available.
As Low As; Auto Pay Discount: 6.39%
As Low As; Loan Amount: $500 - $25,000
No additional details available.
No additional details available.
No additional details available.
As Low As; Unsecured, Bill Consolidation, Signature
As Low As; 6.99%
No additional details available.
No additional details available.
As Low As; Auto Pay Discount: 7.39%
As Low As; quick funding, no application fees, and no payment for 45 days
Minimum: $250; Maximum: $125,000
Minimum: $250; Maximum: $125,000
As Low As; Minimum loan amount $500+
No additional details available.
As low as; $50,000 maximum loan amount
As Low As; Minimum loan amount $2,500+
Minimum: $250; Maximum: $125,000
No additional details available.
As Low As
Minimum: $250; Maximum: $125,000
As Low As; Minimum loan amount $3,000+
No additional details available.
As Low As; Auto Pay Discount: 8.39%
Starting Rate
No additional details available.
No additional details available.
As Low As; Loan Amount: $500-$40,000
As Low As; Unsecured, Bill Consolidation, Signature
As Low As; Minimum loan amount $5,000+
As low as; $50,000 maximum loan amount
Rates as low as; No collateral - just your signed promise to repay!
No additional details available.
No additional details available.
No additional details available.
up to $50,000
As Low As; Unsecured, Bill Consolidation, Signature
As Low As; ***; Estimated Monthly Payment: As low as $45.93
As Low As; Minimum loan amount $5,000+
No additional details available.
As Low As; Auto Pay Discount: 9.39%
As Low As; ***; Estimated Monthly Payment: As low as $32.16
No additional details available.
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. Payments: $271.36 /mo.
As Low As; ***; Estimated Monthly Payment: As low as $25.37
As low as; $50,000 maximum loan amount
As low As*
As Low As; ***; Estimated Monthly Payment: As low as $21.38
No additional details available.
As Low As; ***; Estimated Monthly Payment: As low as $18.79
As Low As; Auto Pay Discount: 10.39%
As low As*
As Low As
No additional details available.
As low as; $50,000 maximum loan amount
As low As*
As Low As; ***; Estimated Monthly Payment: As low as $17.00
As Low As; Unsecured, Bill Consolidation, Signature
No additional details available.
As low as; $50,000 maximum loan amount; $20,000 minimum loan amount for 61-72 month term
As Low As; Unsecured, Bill Consolidation, Signature
As Low As; Minimum loan amount $5,000+
As low As*
As Low As; Loan Amount: $250-$40,000
No additional details available.
As low As*
No additional details available.
No additional details available.
This is a variable rate loan. The rate is determined by adding a margin to an existing published rate (the Prime Rate published on the Wall Street Journal), and the rate may change without previous notice on the last day of March, June, September or December each year; however, your rate will never exceed 18% APR. 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. This loan is offered exclusively to members of OAS FCU who do not otherwise qualify for any loans via their employers as part of their employers' relationships with the Credit Union. We offer this loan to those who have been members of OAS FCU longer than one year, and who can provide proof of employment with income exceeding 24 months.
District Of Columbia Debt Consolidation Loan Rates
Bill Payer/Debt Consolidation ($35,000 Maximum)
Bill Payer/Debt Consolidation ($35,000 Maximum)
District Of Columbia Signature Loan Rates
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
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
Stated APR is the lowest rate available for qualified members. Actual rate may be higher based on income, credit worthiness, and extended loan terms. 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.
Personal/Signature Loan ($35,000 Maximum)
Personal/Signature Loan ($35,000 Maximum)
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.
Est. Monthly Payment per $1000: $45.93/24 Mos.
As Low As; Payment Example Calculated with a loan amount of $25,000
No additional details available.
As Low As
Est. Monthly Payment per $1000: $32.28/36 Mos.**
Est. Monthly Payment per $1000: $25.62/48 Mos.
No additional details available.
Est. Monthly Payment per $1000: $21.76/60 Mos.
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.
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 fell 0.112 points over the past 7 days to 9.519% APR.
District Of Columbia signature loan rates rose 0.174 points over the past 7 days to 9.689% 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)
- OAS Staff Federal Credit Union: 5.99% (New & Used (3 Years Old - 2024 or newer) Loan)
- Hingham Institution for Savings: 6.03% (15 YR Loan)
- IDB Global Federal Credit Union: 6.25% (Personal Loan - Variable Rate)
- ADVANTAGE FINANCIAL: 6.49% (12 months or less Loan)
