Best Personal Loan Rates in Indianapolis, Indiana (IN) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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 Indiana 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 Indianapolis, Indiana include: Lampco Federal Credit UnionLampco Federal Credit Union2186 N Sherman Dr, Indianapolis, IN, 46218A5.0 ★Texas Ratio: 10.09% offering New 2025-2026 Model Years Loan at 5.29% APR, Chicagos Bravest Credit UnionChicagos Bravest Credit Union9449 Priority Way West Dr, Indianapolis, IN, 46240A+5.0 ★Texas Ratio: 1.03% offering No Hassle Loan at 6.00% APR, STAR Financial BankSTAR Financial Bank9165 E 56th St, Indianapolis, IN, 46216A+5.0 ★Texas Ratio: 2.20% offering Debt Free 7 Year Fixed at 6.32% APR, Elements Financial Federal Credit UnionElements Financial Federal Credit Union639 S Delaware St, Indianapolis, IN, 46225A+5.0 ★Texas Ratio: 2.79% offering Elements VA Loan at 6.60% APR, and FedEx Employees Credit Association Federal Credit UnionFedEx Employees Credit Association Federal Credit Union6311 Airway Dr Ste 100, Indianapolis, IN, 46241 6400A5.0 ★Texas Ratio: 5.77% offering Land Loans at 7.25% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Indianapolis has 10 local institutions in our database, with personal loan rates as low as 5.29% APR from Lampco Federal Credit Union at 2186 N Sherman Dr, Indianapolis, IN, 46218. 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 Indianapolis, Indiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Indianapolis, 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: May 23, 2026
Indianapolis Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2186 N Sherman Dr, Indianapolis, IN, 46218
New 2025-2026 Model Years Loan
5.29%
▼
APR5.29%
Last UpdatedMay 28, 2026
Details
As Low As
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2186 N Sherman Dr, Indianapolis, IN, 46218
Used 2022-2025 Model Years Loan
5.49%
▼
APR5.49%
Last UpdatedMay 28, 2026
Details
As Low As
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
9449 Priority Way West Dr, Indianapolis, IN, 46240
No Hassle Loan
6.00%
▼
APR6.00%
Last UpdatedMay 28, 2026
Details
$100.00 application fee for one year. No credit check.
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2186 N Sherman Dr, Indianapolis, IN, 46218
Used 2020-2021 Model Years Loan
6.19%
▼
APR6.19%
Last UpdatedMay 28, 2026
Details
As Low As
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
9165 E 56th St, Indianapolis, IN, 46216
Debt Free 7 Year Fixed
6.32%
▼
APR6.32%
Last UpdatedMay 28, 2026
Details
No additional details available.
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
9165 E 56th St, Indianapolis, IN, 46216
Debt Free 10 Year Fixed
6.36%
▼
APR6.36%
Last UpdatedMay 28, 2026
Details
No additional details available.
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
639 S Delaware St, Indianapolis, IN, 46225
Elements VA Loan
6.60%
▼
APR6.60%
Last UpdatedMay 28, 2026
Details
No additional details available.
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
639 S Delaware St, Indianapolis, IN, 46225
VA Loan Purchase
6.60%
▼
APR6.60%
Last UpdatedMay 28, 2026
Details
As Low As; for 30-Year Fixed
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
639 S Delaware St, Indianapolis, IN, 46225
VA Loan Refinance
6.60%
▼
APR6.60%
Last UpdatedMay 28, 2026
Details
As Low As; for 30-Year Fixed
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
639 S Delaware St, Indianapolis, IN, 46225
USDA Loan Purchase
6.60%
▼
APR6.60%
Last UpdatedMay 28, 2026
Details
As Low As; Purchase: 6.125% for 30-Year Fixed
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
639 S Delaware St, Indianapolis, IN, 46225
FHA Loan Refinance
6.76%
▼
APR6.76%
Last UpdatedMay 28, 2026
Details
As Low As; for 30-Year Fixed
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
639 S Delaware St, Indianapolis, IN, 46225
FHA Loan Purchase
6.76%
▼
APR6.76%
Last UpdatedMay 28, 2026
Details
As Low As; for 30-Year Fixed
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2186 N Sherman Dr, Indianapolis, IN, 46218
Used 2018-2019 Model Years Loan
7.19%
▼
APR7.19%
Last UpdatedMay 28, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
6311 Airway Dr Ste 100, Indianapolis, IN, 46241 6400
Land Loans
7.25%
▼
APR7.25%
Last UpdatedMay 28, 2026
Details
No additional details available.
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2186 N Sherman Dr, Indianapolis, IN, 46218
Used 2016-2017 Model Years Loan
8.59%
▼
APR8.59%
Last UpdatedMay 28, 2026
Details
As Low As
Harvester Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7020 Brookville Rd, Indianapolis, IN, 46239
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 28, 2026
Details
As Low As; Subject to credit approval. Some restrictions may apply.
Harvester Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7020 Brookville Rd, Indianapolis, IN, 46239
Unsecured Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 28, 2026
Details
As Low As; *Subject to credit approval. APR is Annual Percentage Rate. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. APR is based on credit history.
Link Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5212 Rockville Rd, Indianapolis, IN, 46224
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 28, 2026
Details
As Low As; Subject to credit approval. Some restrictions may apply.
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2186 N Sherman Dr, Indianapolis, IN, 46218
Used 2011-2015 Model Years Loan
9.29%
▼
APR9.29%
Last UpdatedMay 28, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
6311 Airway Dr Ste 100, Indianapolis, IN, 46241 6400
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMay 28, 2026
Details
As Low As; and up
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2186 N Sherman Dr, Indianapolis, IN, 46218
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 28, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal / Signature / Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedMay 28, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal Signature Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedMay 28, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal Signature Consolidation Loan
10.74%
▼
APR10.74%
Last UpdatedMay 28, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal Signature Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedMay 28, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal Signature Consolidation Loan
11.24%
▼
APR11.24%
Last UpdatedMay 28, 2026
Details
As Low As
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5881 E 82nd St, Indianapolis, IN, 46250
Personal Loan (with Credit Score <740)
11.99%
▼
APR11.99%
Last UpdatedMay 28, 2026
Details
No additional details available.
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5881 E 82nd St, Indianapolis, IN, 46250
Personal Loan (with Credit Score >740)
11.99%
▼
APR11.99%
Last UpdatedMay 28, 2026
Details
No additional details available.
Professional Police Officers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1502 E Washington St, Indianapolis, IN, 46201 3849
Co-maker loan
12.00%
▼
APR12.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
Professional Police Officers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1502 E Washington St, Indianapolis, IN, 46201 3849
Personal loan
12.00%
▼
APR12.00%
Last UpdatedMay 28, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
6311 Airway Dr Ste 100, Indianapolis, IN, 46241 6400
12-12-12 Specialty Loan
12.00%
▼
APR12.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal Signature Consolidation Loan
12.29%
▼
APR12.29%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
SPECIAL: New purchases on 2023 or newer for 48-60 months Loan
3.99%
▼
APR3.99%
Last UpdatedMay 28, 2026
Details
As Low As; - limited time only
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
New/Used 2026-2025 Loan
4.24%
▼
APR4.24%
Last UpdatedMay 28, 2026
Details
As Low As
Advance Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
2022-2025 37-60 Months Loan
4.25%
▼
APR4.25%
Last UpdatedMay 28, 2026
Details
special*
Advance Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
2025-2026 37-60 Months Loan
4.25%
▼
APR4.25%
Last UpdatedMay 28, 2026
Details
special*
Fortress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
New Collateral Loan
4.39%
▼
APR4.39%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2024-2022 Loan
4.49%
▼
APR4.49%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
New/Used 2026-2025 Loan
4.49%
▼
APR4.49%
Last UpdatedMay 28, 2026
Details
As Low As
Fortress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
New Collateral Loan
4.49%
▼
APR4.49%
Last UpdatedMay 28, 2026
Details
As Low As
APR4.50%
Last UpdatedMay 28, 2026
Details
No additional details available.
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2023 & Newer Loan
4.59%
▼
APR4.59%
Last UpdatedMay 28, 2026
Details
As Low As
APR4.64%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2024-2022 Loan
4.74%
▼
APR4.74%
Last UpdatedMay 28, 2026
Details
As Low As
Advance Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
61-72 Months Loan
4.75%
▼
APR4.75%
Last UpdatedMay 28, 2026
Details
special*
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2021-2022 Loan
4.79%
▼
APR4.79%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2023 & Newer Loan
4.79%
▼
APR4.79%
Last UpdatedMay 28, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 28, 2026
Details
As Low As
Fortress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Used Collateral Loan
4.89%
▼
APR4.89%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2023 & Newer Loan
4.99%
▼
APR4.99%
Last UpdatedMay 28, 2026
Details
As Low As; ($15k+ financing)
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
New/Used 2026-2025 Loan
4.99%
▼
APR4.99%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2021-2022 Loan
4.99%
▼
APR4.99%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2021-2019 Loan
4.99%
▼
APR4.99%
Last UpdatedMay 28, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
Credit Saver Loan
5.00%
▼
APR5.00%
Last UpdatedMay 28, 2026
Details
This APR will vary with the market based on the dividend rate.
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2021-2019 Loan
5.24%
▼
APR5.24%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2024-2022 Loan
5.24%
▼
APR5.24%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2018-2020 Loan
5.39%
▼
APR5.39%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2021-2022 Loan
5.39%
▼
APR5.39%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2026 Model Year Loan
5.49%
▼
APR5.49%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2025 Model Year Loan
5.49%
▼
APR5.49%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2024 Model Year Loan
5.49%
▼
APR5.49%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
New/Used 2026-2025 Loan
5.49%
▼
APR5.49%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2023 Model Year Loan
5.49%
▼
APR5.49%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2018-2020 Loan
5.59%
▼
APR5.59%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2023 Model Year Loan
5.60%
▼
APR5.60%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2024 Model Year Loan
5.60%
▼
APR5.60%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2025 Model Year Loan
5.60%
▼
APR5.60%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2026 Model Year Loan
5.60%
▼
APR5.60%
Last UpdatedMay 28, 2026
Details
As Low As
Fortress Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
New Collateral Untitled Loan
5.69%
▼
APR5.69%
Last UpdatedMay 28, 2026
Details
minimum $25000.00; As Low As
APR5.70%
Last UpdatedMay 28, 2026
Details
No additional details available.
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Used 2022-2025 Loan
5.74%
▼
APR5.74%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2024-2022 Loan
5.74%
▼
APR5.74%
Last UpdatedMay 28, 2026
Details
As Low As
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
New 2025-2026 Loan
5.74%
▼
APR5.74%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
New/Used 2023-2021 Loan
5.74%
▼
APR5.74%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2023 & Newer Loan
5.79%
▼
APR5.79%
Last UpdatedMay 28, 2026
Details
As Low As; ($30k+ financing)
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
10 Year Loan
5.98%
▼
APR5.98%
Last UpdatedMay 28, 2026
Details
As Low As
Independent Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.64%
Used 2022 - 2024 Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
As Low As
Independent Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.64%
New 2025 - 2026 Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2023 & newer Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2021-2022 Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
As Low As
Advance Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
73-84 Months Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
special*
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2018-2020 Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
As Low As; ($15k+ financing)
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2026 Model Year Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2025 Model Year Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2024 Model Year Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2023 Model Year Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
New/Used 2026-2025 Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
New/Used 2023-2021 Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2020-2018 Loan
5.99%
▼
APR5.99%
Last UpdatedMay 28, 2026
Details
As Low As
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Used 2021 Loan
6.00%
▼
APR6.00%
Last UpdatedMay 28, 2026
Details
As Low As
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
New 2025-2026 Loan
6.03%
▼
APR6.03%
Last UpdatedMay 28, 2026
Details
As Low As
APR6.23%
Last UpdatedMay 28, 2026
Details
As Low As; (30-year rate shown)
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
USDA Loans
6.23%
▼
APR6.23%
Last UpdatedMay 28, 2026
Details
As Low As; (30-year rate shown)
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
FHA Loans
6.23%
▼
APR6.23%
Last UpdatedMay 28, 2026
Details
As Low As; (30-year rate shown)
APR6.24%
Last UpdatedMay 28, 2026
Details
720 & Higher
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2020-2018 Loan
6.24%
▼
APR6.24%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2024-2022 Loan
6.24%
▼
APR6.24%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
New/Used 2023-2021 Loan
6.24%
▼
APR6.24%
Last UpdatedMay 28, 2026
Details
As Low As
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Used 2020 Loan
6.24%
▼
APR6.24%
Last UpdatedMay 28, 2026
Details
As Low As
Independent Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.64%
New 2025 - 2026 Loan
6.24%
▼
APR6.24%
Last UpdatedMay 28, 2026
Details
As Low As
Independent Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.64%
Used 2022 - 2024 Loan
6.24%
▼
APR6.24%
Last UpdatedMay 28, 2026
Details
As Low As
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Personal Loans
6.25%
▼
APR6.25%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2021-2022 Loan
6.29%
▼
APR6.29%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2016-2017 Loan
6.39%
▼
APR6.39%
Last UpdatedMay 28, 2026
Details
As Low As
APR6.49%
Last UpdatedMay 28, 2026
Details
720 & Higher
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2018-2015 Loan
6.49%
▼
APR6.49%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2020-2018 Loan
6.49%
▼
APR6.49%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2023 Model Year Loan
6.49%
▼
APR6.49%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2024 Model Year Loan
6.49%
▼
APR6.49%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2025 Model Year Loan
6.49%
▼
APR6.49%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2026 Model Year Loan
6.49%
▼
APR6.49%
Last UpdatedMay 28, 2026
Details
As Low As
Independent Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.64%
New 2025 - 2026 Loan
6.49%
▼
APR6.49%
Last UpdatedMay 28, 2026
Details
As Low As
Independent Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.64%
Used 2022 - 2024 Loan
6.49%
▼
APR6.49%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2022 Model Year Loan
6.50%
▼
APR6.50%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2021 Model Year Loan
6.50%
▼
APR6.50%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2020 Model Year Loan
6.50%
▼
APR6.50%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2018-20120 Loan
6.59%
▼
APR6.59%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2018-2020 Loan
6.59%
▼
APR6.59%
Last UpdatedMay 28, 2026
Details
As Low As; ($25k+ financing)
APR6.74%
Last UpdatedMay 28, 2026
Details
720 & Higher
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2017-2014 Loan
6.74%
▼
APR6.74%
Last UpdatedMay 28, 2026
Details
As Low As
Independent Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.64%
New 2025 - 2026 Loan
6.74%
▼
APR6.74%
Last UpdatedMay 28, 2026
Details
As Low As
Independent Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.64%
Used 2022 - 2024 Loan
6.74%
▼
APR6.74%
Last UpdatedMay 28, 2026
Details
As Low As
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Credit Builder Plus Loan
6.75%
▼
APR6.75%
Last UpdatedMay 28, 2026
Details
No additional details available.
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loans
6.75%
▼
APR6.75%
Last UpdatedMay 28, 2026
Details
As Low As; *AS LOW AS*
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2016-2017 Loan
6.79%
▼
APR6.79%
Last UpdatedMay 28, 2026
Details
As Low As
Eastern Indiana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Used 2017-2019 Loan
6.84%
▼
APR6.84%
Last UpdatedMay 28, 2026
Details
As Low As
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Land Loans
6.85%
▼
APR6.85%
Last UpdatedMay 28, 2026
Details
As Low As; (10-year rate shown)
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Land Loans - (10-year rate shown)
6.85%
▼
APR6.85%
Last UpdatedMay 28, 2026
Details
As Low As
Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
New Teacher Transition Loan
6.99%
▼
APR6.99%
Last UpdatedMay 28, 2026
Details
Qualifications Required: Proof of employment is required; Setup of direct deposit or auto payment is required; Active membership account is required; Required Checking account and Direct Deposit (minimum $1,000 per month for life of the loan)
Independent Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.64%
Used 2021 Loan
6.99%
▼
APR6.99%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
New Lawn & Garden Loan
6.99%
▼
APR6.99%
Last UpdatedMay 28, 2026
Details
As Low As
Independent Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.64%
New 2025 - 2026 Loan
6.99%
▼
APR6.99%
Last UpdatedMay 28, 2026
Details
As Low As
APR6.99%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2019 Model Year & Older Loan
6.99%
▼
APR6.99%
Last UpdatedMay 28, 2026
Details
As Low As
APR6.99%
Last UpdatedMay 28, 2026
Details
As Low As
APR6.99%
Last UpdatedMay 28, 2026
Details
720 & Higher
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
Recreational Loan
7.00%
▼
APR7.00%
Last UpdatedMay 28, 2026
Details
MAX 72 months
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1-Time Construction Loan
7.07%
▼
APR7.07%
Last UpdatedMay 28, 2026
Details
No additional details available.
APR7.14%
Last UpdatedMay 28, 2026
Details
No additional details available.
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
New Lawn & Garden Loan
7.19%
▼
APR7.19%
Last UpdatedMay 28, 2026
Details
As Low As; ($20k+ financing)
APR7.19%
Last UpdatedMay 28, 2026
Details
No additional details available.
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
New/Used 2023-2021 Loan
7.24%
▼
APR7.24%
Last UpdatedMay 28, 2026
Details
As Low As
APR7.24%
Last UpdatedMay 28, 2026
Details
As Low As
Independent Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.64%
Used 2021 Loan
7.24%
▼
APR7.24%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2018-2015 Loan
7.24%
▼
APR7.24%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2013-2011 Loan
7.24%
▼
APR7.24%
Last UpdatedMay 28, 2026
Details
As Low As
APR7.24%
Last UpdatedMay 28, 2026
Details
720 & Higher
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2017-2014 Loan
7.24%
▼
APR7.24%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2020 Model Year Loan
7.25%
▼
APR7.25%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2021 Model Year Loan
7.25%
▼
APR7.25%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2022 Model Year Loan
7.25%
▼
APR7.25%
Last UpdatedMay 28, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedMay 28, 2026
Details
As Low As
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Equifast Loan
7.25%
▼
APR7.25%
Last UpdatedMay 28, 2026
Details
As Low As
Advance Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
2018-2021 49-60 Months Loan
7.25%
▼
APR7.25%
Last UpdatedMay 28, 2026
Details
No additional details available.
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
New Lawn & garden Loan
7.29%
▼
APR7.29%
Last UpdatedMay 28, 2026
Details
As Low As; (up to $20k financing)
APR7.33%
Last UpdatedMay 28, 2026
Details
No additional details available.
APR7.49%
Last UpdatedMay 28, 2026
Details
As Low As
Independent Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.64%
Used 2021 Loan
7.49%
▼
APR7.49%
Last UpdatedMay 28, 2026
Details
As Low As
Indiana Heartland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.01%
2014-2015 Loan
7.49%
▼
APR7.49%
Last UpdatedMay 28, 2026
Details
As Low As
APR7.49%
Last UpdatedMay 28, 2026
Details
720 & Higher
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2019 Model Year & Older Loan
7.49%
▼
APR7.49%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2020-2018 Loan
7.49%
▼
APR7.49%
Last UpdatedMay 28, 2026
Details
As Low As
Thrive Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
2013-2011 Loan
7.49%
▼
APR7.49%
Last UpdatedMay 28, 2026
Details
As Low As
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature Loan
7.49%
▼
APR7.49%
Last UpdatedMay 28, 2026
Details
As Low As
APR7.50%
Last UpdatedMay 28, 2026
Details
As Low As; starts at 7.50%*
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Unsecured Loan
7.50%
▼
APR7.50%
Last UpdatedMay 28, 2026
Details
As Low As
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
1 Pay Note Loan
7.50%
▼
APR7.50%
Last UpdatedMay 28, 2026
Details
As Low As; *AS LOW AS*
Financial Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature Loan
7.60%
▼
APR7.60%
Last UpdatedMay 28, 2026
Details
As Low As
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MonitorBankRates
Indianapolis Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Harvester Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7020 Brookville Rd, Indianapolis, IN, 46239
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 28, 2026
Details
As Low As; Subject to credit approval. Some restrictions may apply.
Harvester Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7020 Brookville Rd, Indianapolis, IN, 46239
Unsecured Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 28, 2026
Details
As Low As; *Subject to credit approval. APR is Annual Percentage Rate. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. APR is based on credit history.
Link Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
5212 Rockville Rd, Indianapolis, IN, 46224
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 28, 2026
Details
As Low As; Subject to credit approval. Some restrictions may apply.
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5881 E 82nd St, Indianapolis, IN, 46250
Personal Loan (with Credit Score <740)
11.99%
▼
APR11.99%
Last UpdatedMay 28, 2026
Details
No additional details available.
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5881 E 82nd St, Indianapolis, IN, 46250
Personal Loan (with Credit Score >740)
11.99%
▼
APR11.99%
Last UpdatedMay 28, 2026
Details
No additional details available.
Professional Police Officers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1502 E Washington St, Indianapolis, IN, 46201 3849
Personal loan
12.00%
▼
APR12.00%
Last UpdatedMay 28, 2026
Details
As Low As
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
Personal Loans
6.25%
▼
APR6.25%
Last UpdatedMay 28, 2026
Details
As Low As
Dubois-Pike Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loans
6.75%
▼
APR6.75%
Last UpdatedMay 28, 2026
Details
As Low As; *AS LOW AS*
APR6.99%
Last UpdatedMay 28, 2026
Details
As Low As
APR7.50%
Last UpdatedMay 28, 2026
Details
As Low As; starts at 7.50%*
Powered by
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Indianapolis Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
9165 E 56th St, Indianapolis, IN, 46216
Debt Free 7 Year Fixed
6.32%
▼
APR6.32%
Last UpdatedMay 28, 2026
Details
No additional details available.
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
9165 E 56th St, Indianapolis, IN, 46216
Debt Free 10 Year Fixed
6.36%
▼
APR6.36%
Last UpdatedMay 28, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 28, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 28, 2026
Details
As Low As
Powered by
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Indianapolis Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
6311 Airway Dr Ste 100, Indianapolis, IN, 46241 6400
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMay 28, 2026
Details
As Low As; and up
Lampco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.09%
2186 N Sherman Dr, Indianapolis, IN, 46218
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 28, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal / Signature / Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedMay 28, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal Signature Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedMay 28, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal Signature Consolidation Loan
10.74%
▼
APR10.74%
Last UpdatedMay 28, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal Signature Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedMay 28, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal Signature Consolidation Loan
11.24%
▼
APR11.24%
Last UpdatedMay 28, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal Signature Consolidation Loan
12.29%
▼
APR12.29%
Last UpdatedMay 28, 2026
Details
As Low As
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature Loan
7.49%
▼
APR7.49%
Last UpdatedMay 28, 2026
Details
As Low As
Financial Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature Loan
7.60%
▼
APR7.60%
Last UpdatedMay 28, 2026
Details
As Low As
Powered by
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Indianapolis, IN Personal Loan Rate Trends
Compare local Indianapolis, IN 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 — IN Avg
10.334%
▼ 0.409 vs 7 days ago
Indiana personal loan rates fell 0.409 points over the past 7 days to 10.334% APR.
Signature Loan — IN Avg
11.485%
▲ 0.312 vs 7 days ago
Indiana signature loan rates rose 0.312 points over the past 7 days to 11.485% APR.
As of May 28, 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 Indianapolis, 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 Indianapolis, 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 Indianapolis, 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?
Most lenders in Indianapolis, Indiana 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 Indiana often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Indianapolis, Indiana 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 Indiana?
Yes. Debt consolidation is one of the most common uses of personal loans in Indianapolis, Indiana. 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 Indianapolis, Indiana?
Credit unions in Indianapolis, Indiana 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 Indianapolis, Indiana?
- Lampco Federal Credit Union: 5.29% (New 2025-2026 Model Years Loan)
- Chicagos Bravest Credit Union: 6.00% (No Hassle Loan)
- STAR Financial Bank: 6.32% (Debt Free 7 Year Fixed)
- Elements Financial Federal Credit Union: 6.60% (Elements VA Loan)
- FedEx Employees Credit Association Federal Credit Union: 7.25% (Land Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Indianapolis, Indiana. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 23, 2026.
Indianapolis, Indiana Rates & Resources
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