Best Personal Loan Rates in Springfield, Illinois - June
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Springfield, Illinois include: Credit Union 1 Credit Union Rantoul, ILCredit Union 1 Credit Union Rantoul, IL2464 Wabash Ave, Springfield, IL, 62704A5.0 ★Texas Ratio: 7.86% offering Credit Saver Loan at 5.00% APR, Citizens Equity First Credit UnionCitizens Equity First Credit Union2424 W Iles Ave, Springfield, IL, 62704 4330A5.0 ★Texas Ratio: 6.36% offering PERSONAL (UNSECURED) Loan at 9.50% APR, Heartland Credit Union Springfield, ILHeartland Credit Union Springfield, IL2712 E Sangamon Ave, Springfield, IL, 62702A+5.0 ★Texas Ratio: 1.10% offering unsecured at 11.50% APR, Illinois Educators Credit UnionIllinois Educators Credit Union3101 Montvale Dr, Springfield, IL, 62704 4260A5.0 ★Texas Ratio: 7.11% offering Personal Loan at 12.25% APR, and Funeral Service Credit UnionFuneral Service Credit Union915 S Durkin Dr Ste A, Springfield, IL, 62704A+5.0 ★Texas Ratio: 0.00% offering Unsecured Loan at 14.50% APR. Personal loan rates as of June 11, 2026 according to verified data from MonitorBankRates.
Springfield has 5 local institutions in our database, with personal loan rates as low as 5.00% APR from Credit Union 1 Credit Union Rantoul, IL at 2464 Wabash Ave, Springfield, IL, 62704. 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 Springfield, Illinois.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Springfield, 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
Springfield Personal Loan Rates
This APR will vary with the market based on the dividend rate.
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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; As low as 12.99% APR
up to $7,500
As Low As; As low as 15.74% APR
As Low As; As low as 15.49% APR
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As Low As; Variable Rate
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As Low As; New 2026 through 2024
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As Low As; Fixed Rate
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As Low As; Loans $50,000 up to $250,000
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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.
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APR as low as
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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As Low As; Fixed Rate
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$2,000
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As Low As; Model Year 2019 - 2021
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As Low As; Model Year 2018 - 2020
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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.
As Low As
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As Low As; Borrow up to $25,000
As Low As; Loan Amount: $500 - $25,000
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As Low As; 7.000%
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Limit of $10,000.00
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MAX 72 months
under $10,000; A+
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Under $25,000; As Low As
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Regular APR: 13.25%
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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.
As Low As; Loan special-good through 8/31/2026
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Over $25,000; As Low As
New: Requires 10% down
New: Requires 10% down
As Low As; Rates include all possible discounts. Contact us to determine which discounts apply to you.
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Limit of $10,000.00
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As Low As*; Advertised unsecured loan rates include automatic payment option. Rates are 0.50% higher without automatic payment option.
$500 - $2,000
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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.
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under $10,000; A
As Low As; Loans $10,000 up to $49,000
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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Springfield Personal Loan Rates
As Low As; Personal Loans are a great way to finance that special project or dream vacation! See a Loan Officer for details.
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As Low As; Loan Amount: $500 - $25,000
Limit of $10,000.00
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As Low As; Loan special-good through 8/31/2026
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Limit of $10,000.00
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As Low As*; Advertised unsecured loan rates include automatic payment option. Rates are 0.50% higher without automatic payment option.
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APR as low as
Springfield Debt Consolidation Loan Rates
Regular APR: 13.25%
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Springfield Signature Loan Rates
As Low As; As low as 12.99% APR
As Low As; As low as 15.74% APR
As Low As; As low as 15.49% APR
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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.
Springfield, IL Personal Loan Rate Trends
Compare local Springfield, 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 rose 0.011 points over the past 7 days to 10.773% APR.
Illinois signature loan rates rose 0.373 points over the past 7 days to 13.080% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Springfield, 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 Springfield, 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 Springfield, 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 Springfield, Illinois?
What are the best personal loan rates in Springfield, Illinois?
- Credit Union 1 Credit Union Rantoul, IL: 5.00% (Credit Saver Loan)
- Citizens Equity First Credit Union: 9.50% (PERSONAL (UNSECURED) Loan)
- Heartland Credit Union Springfield, IL: 11.50% (unsecured)
- Illinois Educators Credit Union: 12.25% (Personal Loan)
- Funeral Service Credit Union: 14.50% (Unsecured Loan)
Springfield, Illinois Rates & Resources
Personal Loan Calculators
