Best Personal Loan Rates in Illinois - July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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: Dupage County Employees Credit UnionDupage County Employees Credit Union421 N County Farm Rd, Wheaton, IL, 60187 3978A+5.0 ★Texas Ratio: 1.42% offering Summer Loan Special at 3.99% APR, Oak Lawn Municipal Employees Credit UnionOak Lawn Municipal Employees Credit Union9446 RAYMOND AVE, OAK LAWN, IL, 60453A+5.0 ★Texas Ratio: 2.50% offering SIGNATURE LOANS 18 MONTHS at 3.99% APR, Gale Credit UnionGale Credit Union631 N Henderson St, Galesburg, IL, 61401A+5.0 ★Texas Ratio: 1.07% offering Summer Fix-Up Loan at 3.99% APR, Landmark Credit UnionLandmark Credit Union220 S State St, Westville, IL, 61883A+5.0 ★Texas Ratio: 2.73% offering NEW (2023-2026) Loan at 3.99% APR, and Redbrand Credit UnionRedbrand Credit Union820 McKinley Ave, Bartonville, IL, 61607A+5.0 ★Texas Ratio: 1.64% offering 2025 or newer Loan at 4.00% APR. Personal loan rates as of July 25, 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 3.99% APR from Dupage County Employees Credit Union at 421 N County Farm Rd, Wheaton, IL, 60187 3978. 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: July 25, 2026
Illinois Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Dupage County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
421 N County Farm Rd, Wheaton, IL, 60187 3978
Summer Loan Special
3.99%
▼
APR3.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Loan rates and terms are determined by applicant's creditworthiness and are subject to DCECU credit underwriting guidelines.
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
SIGNATURE LOANS 18 MONTHS
3.99%
▼
APR3.99%
Last UpdatedJuly 26, 2026
Details
up to $3000.00
Gale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
631 N Henderson St, Galesburg, IL, 61401
Summer Fix-Up Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 26, 2026
Details
See more details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
SIGNATURE LOANS 12 MONTHS
3.99%
▼
APR3.99%
Last UpdatedJuly 26, 2026
Details
up to $3000.00
Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
220 S State St, Westville, IL, 61883
NEW (2023-2026) Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
2025 or newer Loan
4.00%
▼
APR4.00%
Last UpdatedJuly 26, 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 (5 year)
4.00%
▼
APR4.00%
Last UpdatedJuly 26, 2026
Details
Variable Rate**
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
New Untitled 2026-2025 Loan
4.00%
▼
APR4.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1001 Mannheim Rd, Bellwood, IL, 60104
2024, '25 & '26 Models Loan
4.14%
▼
APR4.14%
Last UpdatedJuly 26, 2026
Details
As Low As
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
New Untitled 2026-2025 Loan
4.20%
▼
APR4.20%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL, 61704 8253
2024-2025 Loan
4.24%
▼
APR4.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL, 61704 8253
2026 AND NEWER Loan
4.24%
▼
APR4.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
2025 or newer Loan
4.25%
▼
APR4.25%
Last UpdatedJuly 26, 2026
Details
As low as; *
Planites Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
300 E Randolph ST, Chicago, IL, 60601 5014
Interest Rate Loan
4.25%
▼
APR4.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
New Untitled 2026-2025 Loan
4.30%
▼
APR4.30%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL, 61704 8253
2022-2023 Loan
4.39%
▼
APR4.39%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
2110 53rd St, Moline, IL, 61265 3652
New 2025-2026 Loan
4.40%
▼
APR4.40%
Last UpdatedJuly 26, 2026
Details
As Low As
Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
220 S State St, Westville, IL, 61883
NEW (2023-2026) Loan
4.49%
▼
APR4.49%
Last UpdatedJuly 26, 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
USED (2019 - 2022) Loan
4.49%
▼
APR4.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
New Untitled 2026-2025 Loan
4.50%
▼
APR4.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
2017-2024 Loan
4.50%
▼
APR4.50%
Last UpdatedJuly 26, 2026
Details
As low as; *
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
2025 or newer Loan
4.50%
▼
APR4.50%
Last UpdatedJuly 26, 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
2021 Loan
4.59%
▼
APR4.59%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
3970 Maryville Rd, Granite City, IL, 62040 4179
2019 & Newer Loan
4.74%
▼
APR4.74%
Last UpdatedJuly 26, 2026
Details
As Low As; Year: 2019 & Newer
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
2017-2024 Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
Variable Rate**
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1001 Mannheim Rd, Bellwood, IL, 60104
2024, 25 & '26 Models Loan
4.79%
▼
APR4.79%
Last UpdatedJuly 26, 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
2024, '25 & '26 Models Loan
4.79%
▼
APR4.79%
Last UpdatedJuly 26, 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
2020 Loan
4.89%
▼
APR4.89%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
3970 Maryville Rd, Granite City, IL, 62040 4179
2019 & Newer Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Year: 2019 & Newer
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11375 Oldenburg Ln, Galena, IL, 61036 8104
2023-26 Model Year Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
2525 Green Bay Rd, North Chicago, IL, 60064
New & Previous Model Year (2025 & 2026) - 63 or Less Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
220 S State St, Westville, IL, 61883
NEW (2023-2026) Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 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
USED (2019 - 2022) Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
New Untitled 2026-2025 Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2025-2024 Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 26, 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
5.00%
▼
APR5.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
2017-2024 Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 26, 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
2024, '25 & '26 Models Loan
5.09%
▼
APR5.09%
Last UpdatedJuly 26, 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
2023 Models Loan
5.14%
▼
APR5.14%
Last UpdatedJuly 26, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11375 Oldenburg Ln, Galena, IL, 61036 8104
2023-26 Model Year Loan
5.19%
▼
APR5.19%
Last UpdatedJuly 26, 2026
Details
As Low As
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2025-2024 Loan
5.20%
▼
APR5.20%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
2525 Green Bay Rd, North Chicago, IL, 60064
New & Previous Model Year (2025 & 2026) - 64-75 Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 26, 2026
Details
As Low As
Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
220 S State St, Westville, IL, 61883
USED (2014-2018) Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
2110 53rd St, Moline, IL, 61265 3652
Used 2020-2024 Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 2026
Details
As Low As
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2023-2022 Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 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 (5 year)
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 2026
Details
Fixed Rate*
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2110 53rd St, Moline, IL, 61265
New 2026 through 2024 Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 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
2026 Models Loan
5.29%
▼
APR5.29%
Last UpdatedJuly 26, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11375 Oldenburg Ln, Galena, IL, 61036 8104
2023-26 Model Year Loan
5.29%
▼
APR5.29%
Last UpdatedJuly 26, 2026
Details
As Low As
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2025-2024 Loan
5.30%
▼
APR5.30%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1001 Mannheim Rd, Bellwood, IL, 60104
2023 Models Loan
5.34%
▼
APR5.34%
Last UpdatedJuly 26, 2026
Details
As Low As
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2023-2022 Loan
5.35%
▼
APR5.35%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2195 Baseline Rd, Oswego, IL, 60543 6006
5 Year Term Loan
5.38%
▼
APR5.38%
Last UpdatedJuly 26, 2026
Details
Origination Fee: $750
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11375 Oldenburg Ln, Galena, IL, 61036 8104
2023-26 Model Year Loan
5.39%
▼
APR5.39%
Last UpdatedJuly 26, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11375 Oldenburg Ln, Galena, IL, 61036 8104
2021-22 Model Year Loan
5.44%
▼
APR5.44%
Last UpdatedJuly 26, 2026
Details
As Low As
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2023-2022 Loan
5.45%
▼
APR5.45%
Last UpdatedJuly 26, 2026
Details
No additional details available.
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
103 3rd St, Savanna, IL, 61074
2017-2019 Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
2525 Green Bay Rd, North Chicago, IL, 60064
Used (2016 - 2024) - 63 or Less Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
As Low As
Chicago Firemans Assoc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
2453 S Archer Ave, Chicago, IL, 60616 2169
Spring Credit Union Special Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 26, 2026
Details
$10,000.00; CREDIT CHECK RUN but will qualify, checking for Bankruptcy and Collections "CANNOT EXCEED $23,000.00 IN UNSECURED LOANS"; STARTS MAY1ST to JULY 1st
Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2195 Baseline Rd, Oswego, IL, 60543 6006
7 Year Term Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 26, 2026
Details
Origination Fee: $1000
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 UpdatedJuly 26, 2026
Details
APR 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 UpdatedJuly 26, 2026
Details
All rates are based on 725 credit score.
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2025-2024 Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
3970 Maryville Rd, Granite City, IL, 62040 4179
2019 & Newer Loan
5.54%
▼
APR5.54%
Last UpdatedJuly 26, 2026
Details
As Low As; Year: 2019 & Newer
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11375 Oldenburg Ln, Galena, IL, 61036 8104
2021-22 Model Year Loan
5.59%
▼
APR5.59%
Last UpdatedJuly 26, 2026
Details
As Low As
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 16.30%
1980 National Blvd, Galesburg, IL, 61401
8-year Loan
5.61%
▼
APR5.61%
Last UpdatedJuly 26, 2026
Details
Rates As Low As?
Earthmover Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2195 Baseline Rd, Oswego, IL, 60543 6006
10 Year Term Loan
5.63%
▼
APR5.63%
Last UpdatedJuly 26, 2026
Details
Origination Fee: $1,250
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3330 N Woodford St, Decatur, IL, 62526
Credit Builder Loan
5.70%
▼
APR5.70%
Last UpdatedJuly 26, 2026
Details
Loans from $250 to $2,500. Funds borrowed are secured and deposited in the member's savings account while regular payments are made. Once the loan is paid off in full, the funds in the savings account will be released and available for future use.
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 16.30%
1980 National Blvd, Galesburg, IL, 61401
10-year Loan
5.73%
▼
APR5.73%
Last UpdatedJuly 26, 2026
Details
Rates As Low As?
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1001 Mannheim Rd, Bellwood, IL, 60104
2022 Models Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 26, 2026
Details
As Low As
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
2525 Green Bay Rd, North Chicago, IL, 60064
New & Previous Model Year (2025 & 2026) - 76-84 Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 26, 2026
Details
As Low As
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
2525 Green Bay Rd, North Chicago, IL, 60064
Used (2016 - 2024) - 64-75 Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 26, 2026
Details
As Low As
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2023-2022 Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2021-2020 Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
Fixed Rate*
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
2323 E Empire St, Bloomington, IL, 61704 8253
2019 Loan
5.79%
▼
APR5.79%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 16.30%
1980 National Blvd, Galesburg, IL, 61401
12-year Loan
5.81%
▼
APR5.81%
Last UpdatedJuly 26, 2026
Details
Rates As Low As?
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11375 Oldenburg Ln, Galena, IL, 61036 8104
2021-22 Model Year Loan
5.84%
▼
APR5.84%
Last UpdatedJuly 26, 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
7 Year Balloon Loan
5.88%
▼
APR5.88%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2021-2020 Loan
5.95%
▼
APR5.95%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.28%
600 E 73rd St, Chicago, IL, 60619 1827
Personal Loans Unsecured
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 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
2026 & 2025 (new & program) Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 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 LOANS 12 MONTHS
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
$3001.00 to $6000.00
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
SIGNATURE LOANS 18 MONTHS
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
$3001.00 to $6000.00
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
SIGNATURE LOANS 24 MONTHS
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
As Low As
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2021-2020 Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2025-2024 Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 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
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 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
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
**
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
2025 or newer Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
As low as; *
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
2006-2016 Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
As low as; *
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11375 Oldenburg Ln, Galena, IL, 61036 8104
2017-20 Model Year Loan
6.14%
▼
APR6.14%
Last UpdatedJuly 26, 2026
Details
As Low As
SBT State Bank of Toulon
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
102 W Main St, Toulon, IL, 61483
2026 & 2025 (new & program) Loan
6.18%
▼
APR6.18%
Last UpdatedJuly 26, 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
6.19%
▼
APR6.19%
Last UpdatedJuly 26, 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
Older Models Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 26, 2026
Details
Model Year: 2019 - 2021
Great Lakes Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
2525 Green Bay Rd, North Chicago, IL, 60064
Used (2016 - 2024) - 76-84 Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 26, 2026
Details
As Low As
SBT State Bank of Toulon
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
102 W Main St, Toulon, IL, 61483
2024 Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1001 Mannheim Rd, Bellwood, IL, 60104
2020 & '21 Models Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 26, 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
2023 - 2024 Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 26, 2026
Details
As Low As; Model Year: 2023 - 2024
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
2006-2016 Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 26, 2026
Details
As low as; *
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
2110 53rd St, Moline, IL, 61265 3652
2017-2019 Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 26, 2026
Details
As Low As
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2021-2020 Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2023-2022 Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11375 Oldenburg Ln, Galena, IL, 61036 8104
2017-20 Model Year Loan
6.29%
▼
APR6.29%
Last UpdatedJuly 26, 2026
Details
As Low As
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 UpdatedJuly 26, 2026
Details
No additional details available.
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL, 61201
NEW Loan
6.38%
▼
APR6.38%
Last UpdatedJuly 26, 2026
Details
APR* as low as
SBT State Bank of Toulon
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
102 W Main St, Toulon, IL, 61483
2026 & 2025 (new & program) Loan
6.41%
▼
APR6.41%
Last UpdatedJuly 26, 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
2024 Loan
6.43%
▼
APR6.43%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Older Models Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
Model Year: 2018 - 2020
SBT State Bank of Toulon
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
102 W Main St, Toulon, IL, 61483
2023 Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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
2023 - 2024 Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
As Low As; Model Year: 2023 - 2024
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 UpdatedJuly 26, 2026
Details
All rates are based on 725 credit score; 84 month term on new vehicles only based on credit score.
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL, 61201
2023-2025 Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
APR* as low as
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2019 Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
2017-2024 Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
As low as; *
Redbrand Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
820 McKinley Ave, Bartonville, IL, 61607
2006-2016 Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 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
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Loan Amount: $500 - $25,000
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
3970 Maryville Rd, Granite City, IL, 62040 4179
2015 - 2018 Loan
6.59%
▼
APR6.59%
Last UpdatedJuly 26, 2026
Details
As Low As; Year: 2015 - 2018
SBT State Bank of Toulon
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
102 W Main St, Toulon, IL, 61483
2026 & 2025 (new & program) Loan
6.63%
▼
APR6.63%
Last UpdatedJuly 26, 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
2024 Loan
6.66%
▼
APR6.66%
Last UpdatedJuly 26, 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
2023 Loan
6.68%
▼
APR6.68%
Last UpdatedJuly 26, 2026
Details
No additional details available.
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
103 3rd St, Savanna, IL, 61074
Power Equity Loan
6.72%
▼
APR6.72%
Last UpdatedJuly 26, 2026
Details
For example, a 120-month Power Equity Loan for $20,000 at a 6.715% APR, the monthly payment will be approximately $229.00.
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
2020 - 2022 Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 26, 2026
Details
As Low As; Model Year: 2020 - 2022
Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
2750 Washington St, Waukegan, IL, 60085 4959
30-Yr FHA Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2019 Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2018 Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
9901 S Kedzie Ave, Evergreen Park, IL, 60805 3416
2024 or Newer - 36 Months Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 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
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
**
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 UpdatedJuly 26, 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
6.79%
▼
APR6.79%
Last UpdatedJuly 26, 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
25 Year Loan
6.79%
▼
APR6.79%
Last UpdatedJuly 26, 2026
Details
As Low As
WISE CU
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
Personal Loans
6.90%
▼
APR6.90%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
As Low As
SBT State Bank of Toulon
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
102 W Main St, Toulon, IL, 61483
2023 Loan
6.91%
▼
APR6.91%
Last UpdatedJuly 26, 2026
Details
No additional details available.
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
103 3rd St, Savanna, IL, 61074
2006-2016 Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.28%
600 E 73rd St, Chicago, IL, 60619 1827
Personal Loans Unsecured
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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
2020 - 2022 Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Model Year: 2020 - 2022
Revity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
3970 Maryville Rd, Granite City, IL, 62040 4179
Less than Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
$15,000; As Low As; Amount Financed: Less than $15,000
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 UpdatedJuly 26, 2026
Details
***All rates are Base Rates ONLY & include bonus credit discounts!; **RESTRICTIONS APPLY**; Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA); Non-member $25.00 application fee will apply.; *Annual Percentage Rate
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 UpdatedJuly 26, 2026
Details
As Low As
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
3730 18th Ave, Rock Island, IL, 61201
2020 - 2022 Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
APR* 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 Loans A+
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
under $10,000
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 UpdatedJuly 26, 2026
Details
As Low As
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
2110 53rd St, Moline, IL, 61265 3652
2016 & Older Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
As Low As
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
7 Heritage Dr, Bourbonnais, IL, 60914 2514
Used 2017 Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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Illinois Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loans
5.00%
▼
APR5.00%
Last UpdatedJuly 26, 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
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★Texas Ratio: 56.28%
600 E 73rd St, Chicago, IL, 60619 1827
Personal Loans Unsecured
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 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
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 2026
Details
**
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedJuly 26, 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 Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Loan Amount: $500 - $25,000
United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
687 Lincoln St, Galesburg, IL, 61401
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
**
WISE CU
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
Personal Loans
6.90%
▼
APR6.90%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 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
Personal Loans Unsecured
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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Illinois Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
9901 S Kedzie Ave, Evergreen Park, IL, 60805 3416
Debt Consolidation Loans
7.25%
▼
APR7.25%
Last UpdatedJuly 26, 2026
Details
Credit Union rates range from 7.25% to 13.25%.
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
9901 S Kedzie Ave, Evergreen Park, IL, 60805 3416
Debt Consolidation Loans
13.25%
▼
APR13.25%
Last UpdatedJuly 26, 2026
Details
Credit Union rates range from 7.25% to 13.25%.
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 UpdatedJuly 26, 2026
Details
As Low As
Powered by
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Illinois Signature Loan Rates
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 LOANS 12 MONTHS
3.99%
▼
APR3.99%
Last UpdatedJuly 26, 2026
Details
up to $3000.00
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
SIGNATURE LOANS 18 MONTHS
3.99%
▼
APR3.99%
Last UpdatedJuly 26, 2026
Details
up to $3000.00
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
SIGNATURE LOANS 12 MONTHS
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
$3001.00 to $6000.00
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
SIGNATURE LOANS 18 MONTHS
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
$3001.00 to $6000.00
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
SIGNATURE LOANS 24 MONTHS
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
As Low As
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MonitorBankRates
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
10.169%
▼ 0.086 vs 7 days ago
Illinois personal loan rates fell 0.086 points over the past 7 days to 10.169% APR.
Signature Loan — IL Avg
12.469%
▼ 0.091 vs 7 days ago
Illinois signature loan rates fell 0.091 points over the past 7 days to 12.469% APR.
As of Jul 26, 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?
- Dupage County Employees Credit Union: 3.99% (Summer Loan Special)
- Oak Lawn Municipal Employees Credit Union: 3.99% (SIGNATURE LOANS 18 MONTHS)
- Gale Credit Union: 3.99% (Summer Fix-Up Loan)
- Landmark Credit Union: 3.99% (NEW (2023-2026) Loan)
- Redbrand Credit Union: 4.00% (2025 or newer 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: July 25, 2026.
