Indiana Best Personal Loan Rates - September 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 Indiana include: Dubois-Pike Federal Credit UnionDubois-Pike Federal Credit Union650 2nd St, JASPER, IN, 47546A5.0 ★Texas Ratio: 6.33% offering Personal Loans at 6.75% APR, Afena Federal Credit UnionAfena Federal Credit Union1312 W 44th St, Marion, IN, 46953 5293A5.0 ★Texas Ratio: 7.25% offering Debt Consolidation Loans at 6.99% APR, Weatherhead Federal Credit UnionWeatherhead Federal Credit Union511 N Line St, Columbia City, IN, 46725A+5.0 ★Texas Ratio: 0.79% offering Personal Loan at 6.99% APR, STAR Financial BankSTAR Financial Bank125 S Anderson St, Elwood, IN, 46036A+5.0 ★Texas Ratio: 2.88% offering Debt Free 7 Year Fixed at 7.08% APR, and Hoosier Hills Credit UnionHoosier Hills Credit Union630 Lincoln Ave, Bedford, IN, 47421 2116A5.0 ★Texas Ratio: 6.50% offering Solar Loan at 7.18% APR. Personal loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Indiana side-by-side. Indiana personal loan rates currently start as low as 6.75% APR from Dubois-Pike Federal Credit Union at 650 2nd St, JASPER, IN, 47546. Rates are continually updated, so 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 Indiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Indiana. 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: September 22, 2026
Indiana Personal Loan Rates
As Low As; Personal Loans
Rates are tiered, rate shown as low as. APR is subject to change without notice.
Special Rate; Advertised rates subject to change without notice. Rates can change based upon credit qualifications. A Loan documentation fee of $50 will be charged at the time of the loan closing. Gap Insurance required if financing 120% of the value of collateral. Cost of GAP Insurance: $225.00 Application and Approval Required.
No additional details available.
No additional details available.
A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
As Low As
As Low As; Rates subject to change at any time. All loans subject to approval and terms. Rates include all possible discounts. Contact us to determine which discounts apply to you.
As Low As
As Low As
Term: 5 Year Draw / 5 Year Repay; As Low As
As Low As
Rates as low as; Apply Online
A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples.
As Low As
Rates as low as 8.00% APR; Credit score of 630 and above required
Published APR range: 8.49% - 18.00%. Annual Percentage Rate based on credit qualifications. Rate subject to change. 8.49% APR is available for credit scores 760 or higher. Payment calculations are based on a 60 month term. Offer subject to change at any time.
As Low as; Approval based on credit worthiness. Membership eligibility required.
Loan Amount: $1,000 - $10,000; As Low As; * Rate may vary based on creditworthiness and loan term.
As Low As; Rates effective 11/3/2025
As Low As
As Low As
No additional details available.
Up to $18k financing**
As low as; Model Year: 2018 - 2020
As low as; Rates effective as of 11/01/2025
APR as low as*
As Low As; Rates subject to credit score.
As Low As
As Low As;
As low as 8.99% APR for qualified borrowers. Rates subject to credit score.
No additional details available.
As low as; Model Year: 2018 - 2020
As Low As
Loan Amount: $1,000 - $10,000; * Rate may vary based on creditworthiness and loan term.
No additional details available.
No additional details available.
Rate: Variable Prime +2.00%
1
(Financing purchases of hot tubs, UTVs, tractors and other untitled items)
No additional details available.
Credit Score: A 700-above
As Low As; *
No additional details available.
Loan Amount: $1,000 - $10,000; * Rate may vary based on creditworthiness and loan term.
No additional details available.
No additional details available.
Rate accurate as of September 14, 2026
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
Payment: $29.50/$1000
Rates updated as of 9/20/2026. APR = Annual Percentage Rate. No minimum credit score is required to apply. A credit report will be obtained to determine the rate for which the borrower qualifies. All loans are subject to approval and HHCU lending guidelines. Loan proceeds are deposited into an HHCU savings account and held as collateral until the loan is paid in full. Making payments on time may help build positive credit history; however, HHCU cannot guarantee an increase in a borrower's credit score. Payment Example: $1,000 for a 12 month term at 9.90% APR results in a monthly payment of $87.87.
Click to apply!
APR as low as*
Published APR range: 9.95%-18.00%.
Rate may vary based on individual creditworthiness.
As Low As; Fixed
Unsecured up to $25,000.00. All Rates Effective April 1st, 2026
As low as
No additional details available.
No additional details available.
As low as*
No additional details available.
Rates starting at
As Low As
As Low As*
As Low As; *
As low as
As Low As; Reviewed Every 24 Mo.
No additional details available.
As Low As
Max Amount: $10,000; Rate determined by borrower's credit rating and may be as low as the rates above. We reserve the right to match any competitor's rates.
Rates as low as 10.00% APR*
As Low As; APR
Rate accurate as of September 14, 2026
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates updated as of 9/20/2026.
Credit Score: 720 & Higher
As Low As
As low as
No additional details available.
As Low As*
$2,501; As Low As
$500-$2,500; As Low As
No additional details available.
Loan Amount: $3,000 - $10,000; * Rate may vary based on creditworthiness and loan term.
No additional details available.
Credit Score: A 700-above
As low as
No additional details available.
No additional details available.
No additional details available.
No additional details available.
up to $20,000; ***
As Low As; Based on Individual Credit
Published rate range: 10.50% - 12.50%. Max Amount: $2,500 per member
Rate accurate as of September 14, 2026
Credit Score: 700-719
No additional details available.
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates updated as of 9/20/2026.
As low as
As Low As;*
No additional details available.
As Low As
As Low As
As Low As
APR as low as*
As low as
Advertised rates subject to change without notice. Rates can change based upon credit qualifications. A Loan documentation fee of $50 will be charged at the time of the loan closing. Gap Insurance required if financing 120% of the value of collateral. Cost of GAP Insurance: $225.00 Application and Approval Required.
As of 9/18/26, Consumer Loan Prime Rate is 7.00. Rates were last updated on 9/18/26. Your rate may vary depending on your credit score.
No additional details available.
Condition: Max. $6,000. Notes
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates updated as of 9/20/2026.
up to $20,000; ***
Rate accurate as of September 14, 2026
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates updated as of 9/20/2026.
As low as
Published APR range: 11.24% - 17.99%*.
No additional details available.
Credit Score: 660-699
Credit Score: A 700-above
As low as
No additional details available.
Minimum loan amount $500+
up to $20,000; ***
As Low As
As low as
Maximum amount $25,000
Rates current as of July 1, 2026, and are subject to change based on market conditions and borrower eligibility. The maximum interest rate for this offer is 18.00% APR and the minimum approved loan amount is $500. Rates advertised reflect all available discounts (0.25% setup of automatic payments). No other discounts can be supplied to Your Choice Loan promotion.
As Low As
Minimum loan amount $5,000+
Tier A; Above 10%
As low as
No additional details available.
Rate accurate as of September 14, 2026
Indiana Personal Loan Rates
As Low As; Personal Loans
Special Rate; Advertised rates subject to change without notice. Rates can change based upon credit qualifications. A Loan documentation fee of $50 will be charged at the time of the loan closing. Gap Insurance required if financing 120% of the value of collateral. Cost of GAP Insurance: $225.00 Application and Approval Required.
As Low As
As Low As
Term: 5 Year Draw / 5 Year Repay; As Low As
As Low As
As Low as; Approval based on credit worthiness. Membership eligibility required.
Loan Amount: $1,000 - $10,000; As Low As; * Rate may vary based on creditworthiness and loan term.
As Low As; Rates effective 11/3/2025
As Low As
As Low As
As low as; Rates effective as of 11/01/2025
APR as low as*
As Low As; Rates subject to credit score.
As Low As
As low as 8.99% APR for qualified borrowers. Rates subject to credit score.
As Low As
Loan Amount: $1,000 - $10,000; * Rate may vary based on creditworthiness and loan term.
Credit Score: A 700-above
Loan Amount: $1,000 - $10,000; * Rate may vary based on creditworthiness and loan term.
No additional details available.
Rate accurate as of September 14, 2026
As Low As
As Low As
As Low As
APR as low as*
Rate may vary based on individual creditworthiness.
As Low As; Fixed
As low as
As low as*
No additional details available.
Rates starting at
As Low As
As Low As*
As low as
Rate accurate as of September 14, 2026
As Low As
As low as
No additional details available.
As Low As*
$500-$2,500; As Low As
Loan Amount: $3,000 - $10,000; * Rate may vary based on creditworthiness and loan term.
Credit Score: A 700-above
As low as
No additional details available.
As Low As; Based on Individual Credit
Rate accurate as of September 14, 2026
As low as
No additional details available.
APR as low as*
As low as
Advertised rates subject to change without notice. Rates can change based upon credit qualifications. A Loan documentation fee of $50 will be charged at the time of the loan closing. Gap Insurance required if financing 120% of the value of collateral. Cost of GAP Insurance: $225.00 Application and Approval Required.
As of 9/18/26, Consumer Loan Prime Rate is 7.00. Rates were last updated on 9/18/26. Your rate may vary depending on your credit score.
Condition: Max. $6,000. Notes
Rate accurate as of September 14, 2026
Published APR range: 11.24% - 17.99%*.
No additional details available.
Credit Score: A 700-above
As low as
No additional details available.
As Low As
As low as
Maximum amount $25,000
Rates current as of July 1, 2026, and are subject to change based on market conditions and borrower eligibility. The maximum interest rate for this offer is 18.00% APR and the minimum approved loan amount is $500. Rates advertised reflect all available discounts (0.25% setup of automatic payments). No other discounts can be supplied to Your Choice Loan promotion.
As Low As
As low as
Rate accurate as of September 14, 2026
Indiana Debt Consolidation Loan Rates
Rates are tiered, rate shown as low as. APR is subject to change without notice.
No additional details available.
No additional details available.
Rates as low as 8.00% APR; Credit score of 630 and above required
Tier A; Above 10%
Tier B; 10% or Less
Tier A (Score 730+); 10% or Less
Tier C; 10% or Less
Tier D; 10% or Less
Tier F; Up to 15%
Indiana Signature Loan Rates
As Low As; Rates subject to change at any time. All loans subject to approval and terms. Rates include all possible discounts. Contact us to determine which discounts apply to you.
As Low As
As Low As
Published APR range: 8.49% - 18.00%. Annual Percentage Rate based on credit qualifications. Rate subject to change. 8.49% APR is available for credit scores 760 or higher. Payment calculations are based on a 60 month term. Offer subject to change at any time.
No additional details available.
Up to $18k financing**
As low as; Model Year: 2018 - 2020
As Low As;
No additional details available.
As low as; Model Year: 2018 - 2020
No additional details available.
1
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Payment: $29.50/$1000
Rates updated as of 9/20/2026. APR = Annual Percentage Rate. No minimum credit score is required to apply. A credit report will be obtained to determine the rate for which the borrower qualifies. All loans are subject to approval and HHCU lending guidelines. Loan proceeds are deposited into an HHCU savings account and held as collateral until the loan is paid in full. Making payments on time may help build positive credit history; however, HHCU cannot guarantee an increase in a borrower's credit score. Payment Example: $1,000 for a 12 month term at 9.90% APR results in a monthly payment of $87.87.
Click to apply!
Published APR range: 9.95%-18.00%.
Unsecured up to $25,000.00. All Rates Effective April 1st, 2026
No additional details available.
No additional details available.
As Low As; Reviewed Every 24 Mo.
No additional details available.
As Low As
Rates as low as 10.00% APR*
As Low As; APR
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates updated as of 9/20/2026.
No additional details available.
No additional details available.
up to $20,000; ***
Published rate range: 10.50% - 12.50%. Max Amount: $2,500 per member
No additional details available.
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates updated as of 9/20/2026.
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates updated as of 9/20/2026.
up to $20,000; ***
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates updated as of 9/20/2026.
Minimum loan amount $500+
up to $20,000; ***
Minimum loan amount $5,000+
No additional details available.
Indiana Personal Loan Rate Trends
Compare local Indiana 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.
Indiana personal loan rates rose 0.638 points over the past 7 days to 10.687% APR.
Indiana signature loan rates rose 1.105 points over the past 7 days to 10.908% APR.
Indiana Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Indiana figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current IN average personal loan APR of 10.69%, across the terms lenders serving Indiana most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.31/mo | $162.95/mo | $128.47/mo | $107.93/mo |
| $10,000 | $464.63/mo | $325.91/mo | $256.94/mo | $215.87/mo |
| $15,000 | $696.94/mo | $488.86/mo | $385.41/mo | $323.80/mo |
| $25,000 | $1,161.57/mo | $814.77/mo | $642.35/mo | $539.67/mo |
| $35,000 | $1,626.20/mo | $1,140.68/mo | $899.29/mo | $755.54/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Indiana
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the IN personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (IN average) | 10.69% | $385.41 | $3,500 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,650 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,185 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,777 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Indiana
Prequalify With a Soft Credit Check
Most lenders serving Indiana will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Indiana data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Indiana auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Indiana high-yield savings account costs nothing and earns interest instead of paying it
Indiana Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $385 monthly loan payment is roughly 10.7% of the median individual income in Indiana. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Indiana.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current IN average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Indiana 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 Indiana 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 Indiana. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in IN.
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 Indiana?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Indiana?
Are credit unions or banks better for personal loans in Indiana?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Indiana?
- Dubois-Pike Federal Credit Union: 6.75% (Personal Loans)
- Afena Federal Credit Union: 6.99% (Debt Consolidation Loans)
- Weatherhead Federal Credit Union: 6.99% (Personal Loan)
- STAR Financial Bank: 7.08% (Debt Free 7 Year Fixed)
- Hoosier Hills Credit Union: 7.18% (Solar Loan)
