Best Personal Loan Rates in Muncie, Indiana (IN) - April 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 Muncie, Indiana include: STAR Financial BankSTAR Financial Bank400 N High St, Muncie, IN, 47305A+5.0 ★Texas Ratio: 2.20% offering Debt Free 7 Year Fixed at 6.07% APR, PrimeTrust Financial Federal Credit UnionPrimeTrust Financial Federal Credit Union3700 W Bethel Ave, Muncie, IN, 47304A+5.0 ★Texas Ratio: 2.97% offering equity Loans -up to 90% LTV (Loan to Value) 5 year at 7.00% APR, Thrive Federal Credit UnionThrive Federal Credit Union2610 N Wheeling Ave, Muncie, IN, 47303A5.0 ★Texas Ratio: 7.25% offering Personal Loan at 7.75% APR, First County Federal Credit UnionFirst County Federal Credit Union1100 W 11th St, Muncie, IN, 47302 2232A5.0 ★Texas Ratio: 6.22% offering Personal Loan at 8.49% APR, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Muncie has 4 local institutions in our database, with personal loan rates as low as 6.07% APR from STAR Financial Bank at 400 N High St, Muncie, IN, 47305. 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 Muncie, Indiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Muncie, 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: April 12, 2026
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Qualifications Required: Must be a member of Thrive for at least 90 days and in good standing; Income verification is required; Full underwriting with credit report is required; Application Fee for the first loan is $20.00. Application fee for loans within 6 months of the first application date is $0.00 (free). After 6 months, full underwriting is required, and the application fee will be $20.00.
Qualifications Required: Must be a member of Thrive for at least 90 days and in good standing; Income verification is required; Full underwriting with credit report is required; Application Fee for the first loan is $20.00. Application fee for loans within 6 months of the first application date is $10.00. After 6 months, full underwriting is required and the application fee will be $20.00.
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This APR will vary with the market based on the dividend rate.
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$100.00 application fee for one year. No credit check.
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As Low As; Purchase: 5.625% for 30-Year Fixed
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720 & Higher
720 & Higher
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As Low As; Purchase: 5.750% for 30-Year Fixed
As Low As; Refinance: 5.750% for 30-Year Fixed
720 & Higher
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As Low As; Vehicle loans starting as low as 5.29% APR and personal loans starting as low as 6.99% APR!
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Guaranteed approval for at least $500; Borrow up to $3,500; Fast approval and turnaround; No prepayment penalties; FREE 24/7 online access to your accounts and easy payments with Online Banking and Mobile Banking; Required Checking account and Direct Deposit (minimum $1,000 per month for life of the loan)
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As Low As; Get up to $5000
MAX 72 months
As Low As; Let us help you book that Spring Break trip with our Spring Break Get-A-Way loan. Bon Voyage!
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700-719
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$2500
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As Low As; Credit score of 630 and above required
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660-699
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660-699
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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. The accuracy of these calculators and their applicability to your circumstances are not guaranteed. You should obtain personal advice from qualified professionals.
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Maximum $5,000; Fast approval and turnaround; No prepayment penalties; FREE 24/7 online access to your accounts; Easy online payments with Online Banking and Mobile Banking
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660-699
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As Low As; Rate based on creditworthiness and term of loan.
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(1/2 SIG 1/2 Shares); Maximum - $20,000.00 (60 Months); Per Board Approval
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MAX 48 months
As Low As; APR = Annual Percentage Rate. As low as 9.00% Rate/ 9.565% APR. CLFCU membership required for all borrowers. Subject to CLFCU lending and credit policy, credit score, collateral (if applicable), and maximum relationship discount pricing per CLFCU lending policy. Some restrictions apply. All rates subject to change or withdrawal without notice.
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RVs Only
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660-699
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As Low As; Vehicle loans starting as low as 5.29% APR and personal loans starting as low as 6.99% APR!
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As Low As; starts at 7.50%*
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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. The accuracy of these calculators and their applicability to your circumstances are not guaranteed. You should obtain personal advice from qualified professionals.
As Low As; Subject to credit approval. Some restrictions may apply.
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As Low As; APR = Annual Percentage Rate. As low as 9.00% Rate/ 9.565% APR. CLFCU membership required for all borrowers. Subject to CLFCU lending and credit policy, credit score, collateral (if applicable), and maximum relationship discount pricing per CLFCU lending policy. Some restrictions apply. All rates subject to change or withdrawal without notice.
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As Low As; Up to $25,000*. No application fee!
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MAX 48 months
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Muncie, IN Personal Loan Rate Trends
Compare local Muncie, 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.
Indiana personal loan rates currently average 10.118% APR.
Indiana signature loan rates currently average 11.139% APR.
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 Muncie, Indiana?
What are the best personal loan rates in Muncie, Indiana?
- STAR Financial Bank: 6.07% (Debt Free 7 Year Fixed)
- PrimeTrust Financial Federal Credit Union: 7.00% (equity Loans -up to 90% LTV (Loan to Value) 5 year)
- Thrive Federal Credit Union: 7.75% (Personal Loan)
- First County Federal Credit Union: 8.49% (Personal Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Calculators
