Best Personal Loan Rates in Decatur, Illinois - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Decatur, Illinois include: Citizens Equity First Credit UnionCitizens Equity First Credit Union3301 N Woodford St, Decatur, IL, 62526 2837A5.0 ★Texas Ratio: 6.36% offering 2024-2025 Loan at 4.24% APR, United Equity Credit UnionUnited Equity Credit Union1130 E Pershing Rd, Decatur, IL, 62526A+5.0 ★Texas Ratio: 2.99% offering Personal Loans at 5.00% APR, Staley Credit UnionStaley Credit Union3330 N Woodford St, Decatur, IL, 62526A+5.0 ★Texas Ratio: 0.80% offering Credit Builder Loan at 5.70% APR, IBEW Local #146 Credit UnionIBEW Local #146 Credit Union3390 N Woodford St, Decatur, IL, 62526A+5.0 ★Texas Ratio: 0.00% offering Unsecured Loan at 8.00% APR, and Decatur Earthmover Credit UnionDecatur Earthmover Credit Union4855 Aldi Dr, Decatur, IL, 62521A+5.0 ★Texas Ratio: 1.84% offering Personal Loan at 8.50% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Decatur has 7 local institutions in our database, with personal loan rates as low as 4.24% APR from Citizens Equity First Credit Union at 3301 N Woodford St, Decatur, IL, 62526 2837. 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 Decatur, Illinois.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Decatur, 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
Decatur Personal Loan Rates
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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.
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Purchases and Cash Advances; and Balance Transfers that occur after six months of opening the card.
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based upon credit worthiness; Purchases and Cash Advances; and Balance Transfers that occur after six months of opening the card.
$1,000
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$1,000
As Low As; Loan rates and terms are determined by applicant's creditworthiness and are subject to DCECU credit underwriting guidelines.
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up to $3000.00
up to $3000.00
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Variable Rate**
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Variable Rate**
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Fixed Rate*
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Origination Fee: $750
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Origination Fee: $1000
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All rates are based on 725 credit score.
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$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
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Origination Fee: $1,250
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Fixed Rate*
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$3001.00 to $6000.00
$3001.00 to $6000.00
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$3001.00 to $6000.00
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Model Year: 2019 - 2021
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Model Year: 2018 - 2020
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As Low As; Loan Amount: $500 - $25,000
All rates are based on 725 credit score; 84 month term on new vehicles only based on credit score.
As Low As; Year: 2015 - 2018
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For example, a 120-month Power Equity Loan for $20,000 at a 6.715% APR, the monthly payment will be approximately $229.00.
As Low As; Model Year: 2020 - 2022
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Limit of $10,000.00
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As Low As; Model Year: 2020 - 2022
$15,000; As Low As; Amount Financed: Less than $15,000
***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
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under $10,000
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Decatur Personal Loan Rates
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$1,000
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As Low As; Loan Amount: $500 - $25,000
Limit of $10,000.00
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Decatur Debt Consolidation Loan Rates
Credit Union rates range from 7.25% to 13.25%.
Credit Union rates range from 7.25% to 13.25%.
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Decatur Signature Loan Rates
$1,000
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$1,000
up to $3000.00
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$3001.00 to $6000.00
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Decatur, IL Personal Loan Rate Trends
Compare local Decatur, 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 0.086 points over the past 7 days to 10.169% APR.
Illinois signature loan rates fell 0.091 points over the past 7 days to 12.469% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Decatur, 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 Decatur, 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 Decatur, 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 Decatur, Illinois?
What are the best personal loan rates in Decatur, Illinois?
- Citizens Equity First Credit Union: 4.24% (2024-2025 Loan)
- United Equity Credit Union: 5.00% (Personal Loans)
- Staley Credit Union: 5.70% (Credit Builder Loan)
- IBEW Local #146 Credit Union: 8.00% (Unsecured Loan)
- Decatur Earthmover Credit Union: 8.50% (Personal Loan)
Personal Loan Calculators
