Best Personal Loan Rates in Illinois (IL) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Illinois borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Illinois include: MembersAlliance Credit UnionMembersAlliance Credit Union2550 S Alpine Rd, Rockford, IL, 61108 7813A+5.0 ★Texas Ratio: 2.61% offering Loan Consolidation (5 year) at 4.00% APR, Baxter Credit UnionBaxter Credit Union415 S Main St, Crystal Lake, IL, 60014A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, Selfreliance Federal Credit UnionSelfreliance Federal Credit Union2332 W Chicago Ave, Chicago, IL, 60622A5.0 ★Texas Ratio: 9.40% offering 2024 or Newer Loan at 4.89% APR, Community Plus Federal Credit UnionCommunity Plus Federal Credit Union526 E Champaign Ave, Rantoul, IL, 61866 3005A+5.0 ★Texas Ratio: 1.23% offering Lifestyle Loans at 4.99% APR, and Credit Union 1 Credit Union Rantoul, ILCredit Union 1 Credit Union Rantoul, IL450 E 22nd St Ste 250, Lombard, IL, 60148 6176A5.0 ★Texas Ratio: 7.86% offering Credit Saver Loan at 5.00% APR. Personal loan rates as of May 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Illinois side-by-side. Illinois personal loan rates currently start as low as 4.00% APR from MembersAlliance Credit Union at 2550 S Alpine Rd, Rockford, IL, 61108 7813. 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 Illinois.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Illinois. 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: May 22, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (5 year)
4.00%
▼
APR4.00%
Last UpdatedMay 22, 2026
Details
As Low As; Variable Rate
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (5 year) Variable Rate
4.00%
▼
APR4.00%
Last UpdatedMay 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL, 60014
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL, 60014
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 22, 2026
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (10 year)
4.75%
▼
APR4.75%
Last UpdatedMay 22, 2026
Details
As Low As; Variable Rate
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (10 year) Variable Rate
4.75%
▼
APR4.75%
Last UpdatedMay 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL, 60014
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 22, 2026
Details
As Low As
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL, 60622
2024 or Newer Loan
4.89%
▼
APR4.89%
Last UpdatedMay 22, 2026
Details
No additional details available.
Community Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
526 E Champaign Ave, Rantoul, IL, 61866 3005
Lifestyle Loans
4.99%
▼
APR4.99%
Last UpdatedMay 22, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
450 E 22nd St Ste 250, Lombard, IL, 60148 6176
Credit Saver Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
This APR will vary with the market based on the dividend rate.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (5 year)
5.25%
▼
APR5.25%
Last UpdatedMay 22, 2026
Details
As Low As; Fixed Rate
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
2332 W Chicago Ave, Chicago, IL, 60622
2023 or Older Loan
5.39%
▼
APR5.39%
Last UpdatedMay 22, 2026
Details
No additional details available.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL, 60661
Musical Instruments Loans Tier Two - Loans up to $250,000
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
$50,000; As Low As
MWRD Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
6001 W Pershing Rd, Cicero, IL, 60804 4112
MyChoice Special Loan
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
Recreational Loan
5.50%
▼
APR5.50%
Last UpdatedMay 22, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
Recreational Loans
5.50%
▼
APR5.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3330 N Woodford St, Decatur, IL, 62526
Credit Builder Loans
5.70%
▼
APR5.70%
Last UpdatedMay 22, 2026
Details
No additional details available.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (10 year)
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
As Low As; Fixed Rate
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Signature Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
$3001.00 to $6000.00
Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.28%
600 E 73rd St, Chicago, IL, 60619 1827
Unsecured Personal Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
12 months
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
10231 S Western Ave, Chicago, IL, 60643 1917
No Hassle Loan
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
$100.00 application fee for one year. No credit check.
NORTHSIDE L
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
1419 W Roosevelt Rd, Broadview, IL, 60155
Signature Loans
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
2750 Washington St, Waukegan, IL, 60085 4959
7 Years Old and Newer Loan
6.04%
▼
APR6.04%
Last UpdatedMay 22, 2026
Details
As Low As
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1001 Mannheim Rd, Bellwood, IL, 60104
Loans Less Than
6.05%
▼
APR6.05%
Last UpdatedMay 22, 2026
Details
$2,000
Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
2750 Washington St, Waukegan, IL, 60085 4959
30-Yr VA Loan
6.35%
▼
APR6.35%
Last UpdatedMay 22, 2026
Details
No additional details available.
Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
2750 Washington St, Waukegan, IL, 60085 4959
7 Years Old and Newer Loan
6.44%
▼
APR6.44%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
SUMMER LOAN
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Borrow up to $25,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Loan Amount: $500 - $25,000
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
Recreational Loans
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL, 61614 6938
Personal Loans
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
Renewal: One time renewal up to six months; *ALL RATES SUBJECT TO CREDIT APPROVAL*The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL, 60008 1015
Personal Signature Loan - Closed Fixed APR as low as
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Unsecured Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
SBT State Bank of Toulon
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
102 W Main St, Toulon, IL, 61483
1-5 yr. 1st Mtg. Owner/Occupied Loan
6.79%
▼
APR6.79%
Last UpdatedMay 22, 2026
Details
No additional details available.
Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
2750 Washington St, Waukegan, IL, 60085 4959
30-Yr FHA Loan
6.88%
▼
APR6.88%
Last UpdatedMay 22, 2026
Details
No additional details available.
Education Personnel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
1102 N Walnut St, Danville, IL, 61832
Signature Loans
6.89%
▼
APR6.89%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
2750 Washington St, Waukegan, IL, 60085 4959
7 Years Old and Newer Loan
6.89%
▼
APR6.89%
Last UpdatedMay 22, 2026
Details
As Low As
Kaskaskia Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
401 S Poplar St, Centralia, IL, 62801
Personal Loans
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
WISE CU
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
Personal Loans
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
Limit of $10,000.00
Kaskaskia Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
401 S Poplar St, Centralia, IL, 62801
Closed End Signature Loan
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
As Low As
Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.28%
600 E 73rd St, Chicago, IL, 60619 1827
Unsecured Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
18 months
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL, 60014
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
818 e cass st, joliet, IL, 60432
Unsecured Loan
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
A+; Up to 12 Months
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Recreational Loan
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
MAX 72 months
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL, 60614 6999
Green & White Loan
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Personal Loans (Unsecured)
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
As Low As
Aurora Policemen Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
1200 E Indian Trl, Aurora, IL, 60505 1896
Unsecured Loans
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
As Low As
Ambraw Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
2300 Lexington Ave, Lawrenceville, IL, 62439
2019-2020 Loan
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Riverside Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
368 Larry Power Rd, Bourbonnais, IL, 60914 4430
Signature Loan
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
Riverside Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
368 Larry Power Rd, Bourbonnais, IL, 60914 4430
Signature Loans
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
2750 Washington St, Waukegan, IL, 60085 4959
3 Years Old and Newer Loan
7.34%
▼
APR7.34%
Last UpdatedMay 22, 2026
Details
As Low As
MWRD Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
6001 W Pershing Rd, Cicero, IL, 60804 4112
Unsecured Signature Loan
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
800 S 42ND ST, Mount Vernon, IL, 62864
Signature Loan
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
As Low As
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loans Up to 12 Months
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan Up to 12 Months
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL, 60005 3141
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As; Loan special-good through 8/31/2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
220 S State St, Westville, IL, 61883
Signature
7.55%
▼
APR7.55%
Last UpdatedMay 22, 2026
Details
No additional details available.
Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
2750 Washington St, Waukegan, IL, 60085 4959
30-Yr Zero Down Loan
7.58%
▼
APR7.58%
Last UpdatedMay 22, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL, 60601
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
634 N Church St, Rockford, IL, 61103
Signature Loan up to 36 months
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
WISE CU
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
Limit of $10,000.00
Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.28%
600 E 73rd St, Chicago, IL, 60619 1827
Unsecured Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
24 months
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
$6001.00 to $10000
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
Holiday Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
Rates starting at just 7.99% APR*
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
1035 E Main St, Danville, IL, 61832 6037
Express Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
$500 - $2,000; Credit Score 750 plus
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
Personal Loan 12 mo.
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; Advertised unsecured loan rates include automatic payment option. Rates are 0.50% higher without automatic payment option.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL, 60601
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Personal Loans (Unsecured)
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
IBEW Local #146 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3390 N Woodford St, Decatur, IL, 62526
Unsecured
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
818 e cass st, joliet, IL, 60432
Unsecured Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
A; Up to 12 Months
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL, 60661
Musical Instruments Loans Tier One - Loans up to $49,000
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
$10,000; As Low As
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
Signature Loan
8.01%
▼
APR8.01%
Last UpdatedMay 22, 2026
Details
Qualifications Required: Must provide most recent two pay stubs, proof of rent or mortgage; Application fee: $20.00
CBI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Signature / CoSigner Loan (U0)
8.20%
▼
APR8.20%
Last UpdatedMay 22, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Signature Loans
8.20%
▼
APR8.20%
Last UpdatedMay 22, 2026
Details
As Low As
Dupage County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
421 N County Farm Rd, Wheaton, IL, 60187 3978
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
Dupage County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
421 N County Farm Rd, Wheaton, IL, 60187 3978
Unsecured
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL, 60601
Signature Loans
8.40%
▼
APR8.40%
Last UpdatedMay 22, 2026
Details
No additional details available.
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL, 60601
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
260 W Marion Ave, Forsyth, IL, 62535
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan 24 Months
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loans 24 Months
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
CBI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Signature / CoSigner Loan (U0)
8.60%
▼
APR8.60%
Last UpdatedMay 22, 2026
Details
As Low As
Ambraw Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
2300 Lexington Ave, Lawrenceville, IL, 62439
2015-2018 Loan
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
818 e cass st, joliet, IL, 60432
Unsecured Loan
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
B; Up to 12 Months
SBT State Bank of Toulon
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
102 W Main St, Toulon, IL, 61483
1-5 yr. 2nd Mtg. Owner/Occupied up to Loan
8.79%
▼
APR8.79%
Last UpdatedMay 22, 2026
Details
No additional details available.
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
1035 E Main St, Danville, IL, 61832 6037
Signature Loan Limit
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
$2,500; Credit Score 750 plus
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
634 N Church St, Rockford, IL, 61103
Signature Loan 37-60 months
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
WISE CU
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
Personal Loans
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
Limit of $10,000.00
Kaskaskia Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
401 S Poplar St, Centralia, IL, 62801
Open End Signature Loan
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
As Low As
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
3970 Maryville Rd, Granite City, IL, 62040 4179
Personal Loan - Closed End
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
As Low As; Loan Amount: $500-$40,000
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
Personal Loan 24 mo.
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As; Advertised unsecured loan rates include automatic payment option. Rates are 0.50% higher without automatic payment option.
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Signature (Personal) Loan amount to $25,000
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
$1,000
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
1035 E Main St, Danville, IL, 61832 6037
Express Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
$500 - $2,000; Credit Score 700-749
Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.28%
600 E 73rd St, Chicago, IL, 60619 1827
Unsecured Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
above 24 months
Bloomington Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
1511 E EMPIRE ST, BLOOMINGTON, IL, 61701
Unsecured Loans*
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL, 61270
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL, 61270
Signature Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL, 61614 6938
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Ambraw Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
2300 Lexington Ave, Lawrenceville, IL, 62439
2014 & older Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Personal Loans (Unsecured)
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
As Low As
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
818 e cass st, joliet, IL, 60432
Unsecured Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
C; Up to 12 Months
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL, 60005 3141
BILL CONSOLIDATION LOAN
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
As Low As
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
MAX 48 months
Tazewell County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
1470 Valle Vista Blvd, Pekin, IL, 61554
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL, 60661
Signature Loan
9.24%
▼
APR9.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
818 e cass st, joliet, IL, 60432
Unsecured Loan
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
C; Up to 24 Months
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2201 S 1ST ST, Champaign, IL, 61820 7402
Unsecured Personal Loan
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
As Low As
Decatur Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
214 N Franklin St, Decatur, IL, 62523
Signature Loans
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1807 W Cermak Rd, Broadview, IL, 60155
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
As Low As
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Personal Life Loan
9.29%
▼
APR9.29%
Last UpdatedMay 22, 2026
Details
As Low As
Chicago Post Office Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
10025 S Western Ave, Chicago, IL, 60643 1925
Unsecured Loans
9.40%
▼
APR9.40%
Last UpdatedMay 22, 2026
Details
As Low As
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Signature Loan
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
$10,001 to $15,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1600 Huntington Dr, Calumet City, IL, 60409 5404
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Unsecured Loan
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
Signature or Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Signature (Personal) Loan amount to $25,000
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
$1,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL, 60008 1015
Personal Signature Loan - Closed Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL, 61704 8253
PERSONAL (UNSECURED)
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Personal Loans (Unsecured)
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loans 36 Months
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan 36 Months
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
260 W Marion Ave, Forsyth, IL, 62535
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Midwest Coalition Of Labor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
6240 Joliet Rd, Countryside, IL, 60525
Unsecured Loans
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As; Rate includes discounts2, see details below
Central Illinois Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2106 w john st, champaign, IL, 61821
Signature Loans
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As; Use our signature loans for whatever needs may arise or to refinance higher rate loans or credit cards. Rates as low as 9.50% APR (Annual Percentage Rate)* *Rates and terms available to qualified borrowers.
Central Illinois Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2106 w john st, champaign, IL, 61821
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
$0-$7499
Midwest Coalition Of Labor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
6240 Joliet Rd, Countryside, IL, 60525
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL, 61614 6938
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
818 e cass st, joliet, IL, 60432
Unsecured Loan
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
D; Up to 12 Months
CBI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Signature / CoSigner Loan (U0)
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Personal Loans (Unsecured) Up to 12 Months
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.28%
600 E 73rd St, Chicago, IL, 60619 1827
Unsecured Personal Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
12 months
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL, 61614 6938
Personal Loans
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
Renewal: One time renewal up to six months; *ALL RATES SUBJECT TO CREDIT APPROVAL*The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Loan Amount: $500 - $25,000
WISE CU
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
Personal Loans
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
Limit of $10,000.00
Kaskaskia Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
401 S Poplar St, Centralia, IL, 62801
Personal Loans
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.28%
600 E 73rd St, Chicago, IL, 60619 1827
Unsecured Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
18 months
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL, 60014
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Personal Loans (Unsecured)
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
As Low As
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL, 60005 3141
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As; Loan special-good through 8/31/2026
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan Up to 12 Months
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loans Up to 12 Months
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
WISE CU
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
Limit of $10,000.00
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.28%
600 E 73rd St, Chicago, IL, 60619 1827
Unsecured Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
24 months
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
Personal Loan 12 mo.
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; Advertised unsecured loan rates include automatic payment option. Rates are 0.50% higher without automatic payment option.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Personal Loans (Unsecured)
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Dupage County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
421 N County Farm Rd, Wheaton, IL, 60187 3978
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan 24 Months
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loans 24 Months
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
260 W Marion Ave, Forsyth, IL, 62535
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
WISE CU
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
Personal Loans
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
Limit of $10,000.00
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
3970 Maryville Rd, Granite City, IL, 62040 4179
Personal Loan - Closed End
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
As Low As; Loan Amount: $500-$40,000
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
Personal Loan 24 mo.
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As; Advertised unsecured loan rates include automatic payment option. Rates are 0.50% higher without automatic payment option.
Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.28%
600 E 73rd St, Chicago, IL, 60619 1827
Unsecured Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
above 24 months
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Tazewell County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
1470 Valle Vista Blvd, Pekin, IL, 61554
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL, 61614 6938
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Personal Loans (Unsecured)
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
As Low As
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
2201 S 1ST ST, Champaign, IL, 61820 7402
Unsecured Personal Loan
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1807 W Cermak Rd, Broadview, IL, 60155
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
As Low As
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1600 Huntington Dr, Calumet City, IL, 60409 5404
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
Signature or Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
3919 N University St, Peoria, IL, 61614 6938
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Midwest Coalition Of Labor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
6240 Joliet Rd, Countryside, IL, 60525
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As
Central Illinois Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2106 w john st, champaign, IL, 61821
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
$0-$7499
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
260 W Marion Ave, Forsyth, IL, 62535
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan 36 Months
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loans 36 Months
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Personal Loans (Unsecured)
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Personal Loans (Unsecured) Up to 12 Months
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL, 60614 6999
Debt Consolidation Loan
17.99%
▼
APR17.99%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Signature Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
$3001.00 to $6000.00
NORTHSIDE L
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
1419 W Roosevelt Rd, Broadview, IL, 60155
Signature Loans
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL, 60008 1015
Personal Signature Loan - Closed Fixed APR as low as
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
Education Personnel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
1102 N Walnut St, Danville, IL, 61832
Signature Loans
6.89%
▼
APR6.89%
Last UpdatedMay 22, 2026
Details
As Low As
Kaskaskia Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
401 S Poplar St, Centralia, IL, 62801
Closed End Signature Loan
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
As Low As
Riverside Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
368 Larry Power Rd, Bourbonnais, IL, 60914 4430
Signature Loan
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
Riverside Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
368 Larry Power Rd, Bourbonnais, IL, 60914 4430
Signature Loans
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
MWRD Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
6001 W Pershing Rd, Cicero, IL, 60804 4112
Unsecured Signature Loan
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
800 S 42ND ST, Mount Vernon, IL, 62864
Signature Loan
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
As Low As
Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
220 S State St, Westville, IL, 61883
Signature
7.55%
▼
APR7.55%
Last UpdatedMay 22, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL, 60601
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
634 N Church St, Rockford, IL, 61103
Signature Loan up to 36 months
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL, 60601
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
$6001.00 to $10000
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
Signature Loan
8.01%
▼
APR8.01%
Last UpdatedMay 22, 2026
Details
Qualifications Required: Must provide most recent two pay stubs, proof of rent or mortgage; Application fee: $20.00
CBI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Signature / CoSigner Loan (U0)
8.20%
▼
APR8.20%
Last UpdatedMay 22, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Signature Loans
8.20%
▼
APR8.20%
Last UpdatedMay 22, 2026
Details
As Low As
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL, 60601
Signature Loans
8.40%
▼
APR8.40%
Last UpdatedMay 22, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
190 N State St, Chicago, IL, 60601
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
CBI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Signature / CoSigner Loan (U0)
8.60%
▼
APR8.60%
Last UpdatedMay 22, 2026
Details
As Low As
Tee Pak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
1035 E Main St, Danville, IL, 61832 6037
Signature Loan Limit
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
$2,500; Credit Score 750 plus
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
634 N Church St, Rockford, IL, 61103
Signature Loan 37-60 months
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
Kaskaskia Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
401 S Poplar St, Centralia, IL, 62801
Open End Signature Loan
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Signature (Personal) Loan amount to $25,000
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
$1,000
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL, 61270
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Advantage One Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
204 N Jackson St, Morrison, IL, 61270
Signature Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
MAX 48 months
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL, 60661
Signature Loan
9.24%
▼
APR9.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
Decatur Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
214 N Franklin St, Decatur, IL, 62523
Signature Loans
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
600 Hicks Rd, Rolling Meadows, IL, 60008 1015
Personal Signature Loan - Closed Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Signature (Personal) Loan amount to $25,000
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
$1,000
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
Signature or Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Signature Loan
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
$10,001 to $15,000
CBI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Signature / CoSigner Loan (U0)
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As
Central Illinois Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2106 w john st, champaign, IL, 61821
Signature Loans
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As; Use our signature loans for whatever needs may arise or to refinance higher rate loans or credit cards. Rates as low as 9.50% APR (Annual Percentage Rate)* *Rates and terms available to qualified borrowers.
Powered by
MonitorBankRates
No home improvement personal loan rates found in Illinois currently.
Illinois Personal Loan Rate Trends
Compare local Illinois 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.
Personal Loan — IL Avg
10.746%
▼ 0.024 vs 7 days ago
Illinois personal loan rates fell 0.024 points over the past 7 days to 10.746% APR.
Signature Loan — IL Avg
12.744%
▼ 0.079 vs 7 days ago
Illinois signature loan rates fell 0.079 points over the past 7 days to 12.744% APR.
As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Illinois 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 Illinois 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 Illinois. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in IL.
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 Illinois?
Most lenders in Illinois require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Illinois often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Illinois require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Illinois?
Yes. Debt consolidation is one of the most common uses of personal loans in Illinois. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Illinois?
Credit unions in Illinois often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Illinois?
- MembersAlliance Credit Union: 4.00% (Loan Consolidation (5 year))
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Selfreliance Federal Credit Union: 4.89% (2024 or Newer Loan)
- Community Plus Federal Credit Union: 4.99% (Lifestyle Loans)
- Credit Union 1 Credit Union Rantoul, IL: 5.00% (Credit Saver Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Illinois. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 22, 2026.
