Best Personal Loan Rates in Illinois - June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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.
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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: Streator Onized Credit UnionStreator Onized Credit Union912 N Shabbona St, Streator, IL, 61364A+5.0 ★Texas Ratio: 2.06% offering 2024 & Newer Purchase Rate Loan at 3.99% APR, 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, Maternity BVM Credit UnionMaternity BVM Credit Union7 Heritage Dr, Bourbonnais, IL, 60914 2514A+5.0 ★Texas Ratio: 4.47% offering New Untitled 2026-2025 Loan at 4.00% APR, Moline Municipal Credit UnionMoline Municipal Credit Union2110 53rd St, Moline, IL, 61265 3652A+5.0 ★Texas Ratio: 5.38% offering New 2025-2026 Loan at 4.50% APR, and 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. Personal loan rates as of June 11, 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 Streator Onized Credit Union at 912 N Shabbona St, Streator, IL, 61364. 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: June 11, 2026
Illinois Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Streator Onized Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
912 N Shabbona St, Streator, IL, 61364
2024 & Newer Purchase Rate Loan
3.99%
▼
APR3.99%
Last UpdatedJune 12, 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)
4.00%
▼
APR4.00%
Last UpdatedJune 12, 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 UpdatedJune 12, 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
4.00%
▼
APR4.00%
Last UpdatedJune 12, 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
4.20%
▼
APR4.20%
Last UpdatedJune 12, 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 UpdatedJune 12, 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
4.50%
▼
APR4.50%
Last UpdatedJune 12, 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
4.50%
▼
APR4.50%
Last UpdatedJune 12, 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
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
As Low As
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 UpdatedJune 12, 2026
Details
As Low As
Streator Onized Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
912 N Shabbona St, Streator, IL, 61364
2024 & Newer Purchase Rate Loan
4.99%
▼
APR4.99%
Last UpdatedJune 12, 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
Credit Saver Loan
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
This APR will vary with the market based on the dividend 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
5.00%
▼
APR5.00%
Last UpdatedJune 12, 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 UpdatedJune 12, 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
5.20%
▼
APR5.20%
Last UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
As Low As; Fixed Rate
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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
As Low As; New 2026 through 2024
Kaskaskia Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
401 S Poplar St, Centralia, IL, 62801
New & Used Loan
5.29%
▼
APR5.29%
Last UpdatedJune 12, 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 UpdatedJune 12, 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
5.35%
▼
APR5.35%
Last UpdatedJune 12, 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
5.45%
▼
APR5.45%
Last UpdatedJune 12, 2026
Details
No additional details available.
Streator Onized Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
912 N Shabbona St, Streator, IL, 61364
2024 & Newer Purchase Rate Loan
5.49%
▼
APR5.49%
Last UpdatedJune 12, 2026
Details
No additional details available.
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 UpdatedJune 12, 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 Loan Tier Two
5.49%
▼
APR5.49%
Last UpdatedJune 12, 2026
Details
As Low As; Loans $50,000 up to $250,000
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 UpdatedJune 12, 2026
Details
CREDIT CHECK RUN but will qualify, checking for Bankruptcy and Collections; CANNOT EXCEED $23,000.00 IN UNSECURED LOANS; STARTS MAY1ST to JULY 1st
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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
Lisle Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1450 Maple Ave, Lisle, IL, 60532
10 Year Loan
5.53%
▼
APR5.53%
Last UpdatedJune 12, 2026
Details
No additional details available.
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 UpdatedJune 12, 2026
Details
Rates As Low As
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 UpdatedJune 12, 2026
Details
No additional details available.
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 UpdatedJune 12, 2026
Details
Rates As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
103 3rd St, Savanna, IL, 61074
2017-2019 Loan
5.74%
▼
APR5.74%
Last UpdatedJune 12, 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 UpdatedJune 12, 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
5.75%
▼
APR5.75%
Last UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
As Low As; Fixed Rate
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 UpdatedJune 12, 2026
Details
Rates 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
5.95%
▼
APR5.95%
Last UpdatedJune 12, 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
Unsecured Personal Loan
5.99%
▼
APR5.99%
Last UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
No additional details available.
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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
No additional details available.
Lisle Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1450 Maple Ave, Lisle, IL, 60532
25 Year Loan
6.01%
▼
APR6.01%
Last UpdatedJune 12, 2026
Details
No additional details available.
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL, 61377
2024-New 36 Months Loan
6.03%
▼
APR6.03%
Last UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
$2,000
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL, 61377
2024-New 48 Months Loan
6.16%
▼
APR6.16%
Last UpdatedJune 12, 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 UpdatedJune 12, 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
6.24%
▼
APR6.24%
Last UpdatedJune 12, 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
6.24%
▼
APR6.24%
Last UpdatedJune 12, 2026
Details
As Low As; Model Year 2019 - 2021
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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
No additional details available.
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL, 61377
2024-New 60 Months Loan
6.33%
▼
APR6.33%
Last UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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
6.41%
▼
APR6.41%
Last UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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
6.49%
▼
APR6.49%
Last UpdatedJune 12, 2026
Details
As Low As; 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 UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
As Low As; Loan Amount: $500 - $25,000
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 UpdatedJune 12, 2026
Details
As Low As; Borrow up to $25,000
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 UpdatedJune 12, 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
2023-2025 Loan
6.50%
▼
APR6.50%
Last UpdatedJune 12, 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
6.50%
▼
APR6.50%
Last UpdatedJune 12, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 16.30%
1980 National Blvd, Galesburg, IL, 61401
Recreational Loans
6.59%
▼
APR6.59%
Last UpdatedJune 12, 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
6.63%
▼
APR6.63%
Last UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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
120-month Power Equity Loan
6.72%
▼
APR6.72%
Last UpdatedJune 12, 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
6.75%
▼
APR6.75%
Last UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
No additional details available.
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 UpdatedJune 12, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2500 N Halsted St, Chicago, IL, 60614 6999
Vacant Land Lot Loan
6.82%
▼
APR6.82%
Last UpdatedJune 12, 2026
Details
As Low As; 7.000%
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
6.88%
▼
APR6.88%
Last UpdatedJune 12, 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
6.89%
▼
APR6.89%
Last UpdatedJune 12, 2026
Details
As Low As
Streator Onized Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
912 N Shabbona St, Streator, IL, 61364
2025 & Newer Purchase Rate1 Loan
6.89%
▼
APR6.89%
Last UpdatedJune 12, 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
Personal Loans
6.90%
▼
APR6.90%
Last UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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
Unsecured Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJune 12, 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
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJune 12, 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 UpdatedJune 12, 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 2018 Loan
7.00%
▼
APR7.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
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 UpdatedJune 12, 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 UpdatedJune 12, 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 2019 Loan
7.00%
▼
APR7.00%
Last UpdatedJune 12, 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
2019-2020 Loan
7.00%
▼
APR7.00%
Last UpdatedJune 12, 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 2017 Loan
7.00%
▼
APR7.00%
Last UpdatedJune 12, 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
2016 & Older Loan
7.00%
▼
APR7.00%
Last UpdatedJune 12, 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
Recreational Loan
7.00%
▼
APR7.00%
Last UpdatedJune 12, 2026
Details
MAX 72 months
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 UpdatedJune 12, 2026
Details
under $10,000; A+
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 UpdatedJune 12, 2026
Details
As Low As
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL, 61377
2021-2023 36 Months Loan
7.04%
▼
APR7.04%
Last UpdatedJune 12, 2026
Details
As Low As
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL, 61377
2021-2023 48 Months Loan
7.16%
▼
APR7.16%
Last UpdatedJune 12, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
103 3rd St, Savanna, IL, 61074
2020-2027 Loan
7.19%
▼
APR7.19%
Last UpdatedJune 12, 2026
Details
Under $25,000; As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
103 3rd St, Savanna, IL, 61074
2006-2016 Loan
7.24%
▼
APR7.24%
Last UpdatedJune 12, 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
2022 Loan
7.24%
▼
APR7.24%
Last UpdatedJune 12, 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 2017 Loan
7.25%
▼
APR7.25%
Last UpdatedJune 12, 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
7.25%
▼
APR7.25%
Last UpdatedJune 12, 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
Debt Consolidation Loan
7.25%
▼
APR7.25%
Last UpdatedJune 12, 2026
Details
Regular APR: 13.25%
Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
2750 Washington St, Waukegan, IL, 60085 4959
30-Yr Zero Down Loan
7.33%
▼
APR7.33%
Last UpdatedJune 12, 2026
Details
No additional details available.
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL, 61377
2021-2023 60 Months Loan
7.34%
▼
APR7.34%
Last UpdatedJune 12, 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 UpdatedJune 12, 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
2022 Loan
7.43%
▼
APR7.43%
Last UpdatedJune 12, 2026
Details
No additional details available.
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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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 2017 Loan
7.50%
▼
APR7.50%
Last UpdatedJune 12, 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 Loans
7.50%
▼
APR7.50%
Last UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
220 S State St, Westville, IL, 61883
Signature Loan
7.55%
▼
APR7.55%
Last UpdatedJune 12, 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
2022 Loan
7.66%
▼
APR7.66%
Last UpdatedJune 12, 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
2020-2027 Loan
7.69%
▼
APR7.69%
Last UpdatedJune 12, 2026
Details
Over $25,000; As Low As
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
476 E South St, Galesburg, IL, 61401
Lawn and Garden Tractors Loan
7.69%
▼
APR7.69%
Last UpdatedJune 12, 2026
Details
New: Requires 10% down
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
476 E South St, Galesburg, IL, 61401
New Lawn and Garden Tractors Loan
7.69%
▼
APR7.69%
Last UpdatedJune 12, 2026
Details
New: Requires 10% down
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
800 S 42ND ST, Mount Vernon, IL, 62864
Tractor/Mower Loan
7.74%
▼
APR7.74%
Last UpdatedJune 12, 2026
Details
As Low As; Rates include all possible discounts. Contact us to determine which discounts apply to you.
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 UpdatedJune 12, 2026
Details
No additional details available.
Streator Onized Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
912 N Shabbona St, Streator, IL, 61364
2025 & Newer Purchase Rate2 Loan
7.89%
▼
APR7.89%
Last UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
Limit of $10,000.00
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 UpdatedJune 12, 2026
Details
$500 - $2,000
SBT State Bank of Toulon
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
102 W Main St, Toulon, IL, 61483
2021 Loan
7.99%
▼
APR7.99%
Last UpdatedJune 12, 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
Unsecured Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJune 12, 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
7.99%
▼
APR7.99%
Last UpdatedJune 12, 2026
Details
As Low As
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
Unsecured Loans Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJune 12, 2026
Details
As Low As*; Advertised unsecured loan rates include automatic payment option. Rates are 0.50% higher without automatic payment option.
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 UpdatedJune 12, 2026
Details
As Low As
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 UpdatedJune 12, 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
7.99%
▼
APR7.99%
Last UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL, 60661
Musical Instruments Loan Tier One
8.00%
▼
APR8.00%
Last UpdatedJune 12, 2026
Details
As Low As; Loans $10,000 up to $49,000
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 UpdatedJune 12, 2026
Details
under $10,000; A
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 UpdatedJune 12, 2026
Details
As Low As
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2110 53rd St, Moline, IL, 61265
2015 & Older Loan
8.00%
▼
APR8.00%
Last UpdatedJune 12, 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 Loan
8.00%
▼
APR8.00%
Last UpdatedJune 12, 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 UpdatedJune 12, 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
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedJune 12, 2026
Details
All rates are based on 725 credit score; Unsecured rates range from 8.00% to 18.00%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
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 UpdatedJune 12, 2026
Details
Qualifications Required: Must provide most recent two pay stubs, proof of rent or mortgage, maintain a $50.00 deposit balance and demonstrate the capacity to repay the loan.; Application fee: $20.00. To apply for a $10,000 loan, your credit score has to be 650 or above.
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL, 61377
2019-2020 36 Months Loan
8.04%
▼
APR8.04%
Last UpdatedJune 12, 2026
Details
As Low As
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Illinois Personal Loan Rates
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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJune 12, 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 UpdatedJune 12, 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 Loans
7.50%
▼
APR7.50%
Last UpdatedJune 12, 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 Loans Up to 12 Months
7.50%
▼
APR7.50%
Last UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
Limit of $10,000.00
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 UpdatedJune 12, 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 Loans
7.99%
▼
APR7.99%
Last UpdatedJune 12, 2026
Details
As Low As
ELCA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
Unsecured Loans Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJune 12, 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
7.99%
▼
APR7.99%
Last UpdatedJune 12, 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 UpdatedJune 12, 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
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedJune 12, 2026
Details
APR as low as
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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 Loan
7.25%
▼
APR7.25%
Last UpdatedJune 12, 2026
Details
Regular APR: 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 UpdatedJune 12, 2026
Details
As Low As
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Illinois Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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 Loan
7.55%
▼
APR7.55%
Last UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 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 UpdatedJune 12, 2026
Details
Qualifications Required: Must provide most recent two pay stubs, proof of rent or mortgage, maintain a $50.00 deposit balance and demonstrate the capacity to repay the loan.; Application fee: $20.00. To apply for a $10,000 loan, your credit score has to be 650 or above.
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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
10.773%
▲ 0.011 vs 7 days ago
Illinois personal loan rates rose 0.011 points over the past 7 days to 10.773% APR.
Signature Loan — IL Avg
13.080%
▲ 0.373 vs 7 days ago
Illinois signature loan rates rose 0.373 points over the past 7 days to 13.080% APR.
As of Jun 12, 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?
- Streator Onized Credit Union: 3.99% (2024 & Newer Purchase Rate Loan)
- MembersAlliance Credit Union: 4.00% (Loan Consolidation (5 year))
- Maternity BVM Credit Union: 4.00% (New Untitled 2026-2025 Loan)
- Moline Municipal Credit Union: 4.50% (New 2025-2026 Loan)
- Baxter Credit Union: 4.50% (Credit Builder 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: June 11, 2026.
