Best Personal Loan Rates in Champaign, Illinois (IL) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Champaign, Illinois include: University of Illinois Community Credit UnionUniversity of Illinois Community Credit Union2201 S 1ST ST, Champaign, IL, 61820 7402A+5.0 ★Texas Ratio: 5.25% offering Unsecured Personal Loan at 9.25% APR, Central Illinois Credit UnionCentral Illinois Credit Union2106 w john st, champaign, IL, 61821A5.0 ★Texas Ratio: 7.89% offering Personal Loans at 9.50% APR, Illinois Educators Credit UnionIllinois Educators Credit Union1203 S Mattis Ave, Champaign, IL, 61821 4827A5.0 ★Texas Ratio: 7.11% offering Personal Loan at 12.25% APR, MembersAlliance Credit UnionMembersAlliance Credit UnionA+5.0 ★Texas Ratio: 2.61% offering Loan Consolidation (5 year) at 4.00% APR, and Maternity BVM Credit UnionMaternity BVM Credit UnionA+5.0 ★Texas Ratio: 4.47% offering New Untitled 2026-2025 Loan at 4.00% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Champaign has 3 local institutions in our database, with personal loan rates as low as 9.25% APR from University of Illinois Community Credit Union at 2201 S 1ST ST, Champaign, IL, 61820 7402. Use the tabs below to compare all available personal loan types. 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 Champaign, Illinois.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Champaign, 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 23, 2026
Champaign Personal Loan Rates
As Low As; up to $48,000
$0-$7499
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.
As Low As; Personal Loans are a great way to finance that special project or dream vacation! See a Loan Officer for details.
As Low As; Variable Rate
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; Variable Rate
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
This APR will vary with the market based on the dividend rate.
No additional details available.
As Low As; Fixed Rate
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Loans $50,000 up to $250,000
As Low As
No additional details available.
CREDIT CHECK RUN but will qualify, checking for Bankruptcy and Collections; CANNOT EXCEED $23,000.00 IN UNSECURED LOANS; STARTS MAY1ST to JULY 1st
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Fixed Rate
No additional details available.
No additional details available.
$3001.00 to $6000.00
No additional details available.
$100.00 application fee for one year. No credit check.
As Low As
No additional details available.
No additional details available.
As Low As
$2,000
As Low As; Model Year 2019 - 2021
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Model Year 2018 - 2020
As Low As; Borrow up to $25,000
No additional details available.
No additional details available.
As Low As; Loan Amount: $500 - $25,000
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.
No additional details available.
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.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
Limit of $10,000.00
As Low As
As Low As; Rate based on creditworthiness and term of loan.
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
MAX 72 months
under $10,000; A+
No additional details available.
As Low As
Under $25,000; As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Loan special-good through 8/31/2026
No additional details available.
No additional details available.
Over $25,000; As Low As
No additional details available.
No additional details available.
Limit of $10,000.00
No additional details available.
As Low As
As Low As*; Advertised unsecured loan rates include automatic payment option. Rates are 0.50% higher without automatic payment option.
$500 - $2,000
As Low As
$6001.00 to $10000
No additional details available.
As Low As
As Low As; Loans $10,000 up to $49,000
No additional details available.
under $10,000; A
As Low As
As Low As
No additional details available.
As Low As
Qualifications Required: Must provide most recent two pay stubs, proof of rent or mortgage; Application fee: $20.00
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
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As Low As
No additional details available.
No additional details available.
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No additional details available.
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As Low As
No additional details available.
under $10,000; B
No additional details available.
No additional details available.
Limit of $10,000.00
As Low As
As Low As
As Low As; Loan Amount: $500-$40,000
NO annual fee
$2,500
No additional details available.
Champaign Personal Loan Rates
As Low As; up to $48,000
$0-$7499
As Low As; Personal Loans are a great way to finance that special project or dream vacation! See a Loan Officer for details.
No additional details available.
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.
As Low As; Loan Amount: $500 - $25,000
Limit of $10,000.00
As Low As; Rate based on creditworthiness and term of loan.
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; Loan special-good through 8/31/2026
Limit of $10,000.00
No additional details available.
As Low As
As Low As*; Advertised unsecured loan rates include automatic payment option. Rates are 0.50% higher without automatic payment option.
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Limit of $10,000.00
As Low As
As Low As; Loan Amount: $500-$40,000
Champaign Debt Consolidation Loan Rates
As Low As
Champaign Signature Loan Rates
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.
$3001.00 to $6000.00
As Low As
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.
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
$6001.00 to $10000
No additional details available.
As Low As
Qualifications Required: Must provide most recent two pay stubs, proof of rent or mortgage; Application fee: $20.00
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
$2,500
Champaign, IL Personal Loan Rate Trends
Compare local Champaign, IL 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.
Illinois personal loan rates fell 0.012 points over the past 7 days to 10.760% APR.
Illinois signature loan rates fell 0.018 points over the past 7 days to 12.679% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Champaign, 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 Champaign, 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 Champaign, 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?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Illinois?
Are credit unions or banks better for personal loans in Champaign, Illinois?
What are the best personal loan rates in Champaign, Illinois?
- University of Illinois Community Credit Union: 9.25% (Unsecured Personal Loan)
- Central Illinois Credit Union: 9.50% (Personal Loans)
- Illinois Educators Credit Union: 12.25% (Personal Loan)
- MembersAlliance Credit Union: 4.00% (Loan Consolidation (5 year))
- Maternity BVM Credit Union: 4.00% (New Untitled 2026-2025 Loan)
Personal Loan Calculators
