Best Personal Loan Rates in Richmond, 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 Richmond, Indiana include: Natco Credit UnionNatco Credit Union582 S ROUND BARN RD, RICHMOND, IN, 47374 4435A+5.0 ★Texas Ratio: 5.02% offering Personal loans at 9.95% APR, Health Care Professionals Federal Credit UnionHealth Care Professionals Federal Credit Union1810 Williamsburg Pike, Richmond, IN, 47374A+5.0 ★Texas Ratio: 0.20% offering Personal Loan at 9.99% APR, Perfect Circle Credit UnionPerfect Circle Credit Union77 S 37th St, Richmond, IN, 47374A+5.0 ★Texas Ratio: 5.55% offering Personal Loan at 9.99% APR, Kemba Credit UnionKemba Credit Union50 N 5th St, Richmond, IN, 47374A5.0 ★Texas Ratio: 6.17% offering Personal Loan at 13.12% 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 14, 2026 according to verified data from MonitorBankRates.
Richmond has 4 local institutions in our database, with personal loan rates as low as 9.95% APR from Natco Credit Union at 582 S ROUND BARN RD, RICHMOND, IN, 47374 4435. 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 Richmond, Indiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Richmond, 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 14, 2026
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As Low As; Up to $25,000*. No application fee!
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This APR will vary with the market based on the dividend rate.
As Low As; (Current Model Year Not Previously Titled)
Loans from $250 to $2,500
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$100.00 application fee for one year. No credit check.
No additional details available.
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As Low As; Purchase: 5.625% for 30-Year Fixed
No additional details available.
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720 & Higher
720 & Higher
No additional details available.
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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No additional details available.
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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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720 & Higher
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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)
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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720 & Higher
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720 & Higher
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As Low As; (Up To 10th Previous Model Year)
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700-719
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As Low As; Up to $2,000
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700-719
$2500
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700-719
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660-699
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660-699
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As Low As; Subject to credit approval. Some restrictions may apply.
As Low As; Subject to credit approval. Some restrictions may apply.
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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No additional details available.
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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No additional details available.
As Low As; Rate based on creditworthiness and term of loan.
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As Low As; Rate based on creditworthiness and term of loan.
Financing purchases of hot tubs, UTVs, tractors and other untitled items
No additional details available.
No additional details available.
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(1/2 SIG 1/2 Shares); Maximum - $20,000.00 (60 Months); Per Board Approval
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660-699
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660-699
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MAX 48 months
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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.
No additional details available.
700-719
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As Low As; Click to apply!
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RVs Only
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As Low As; Fixed
660-699
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As Low As; Up to $25,000*. No application fee!
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As Low As; *AS LOW AS*
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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; Subject to credit approval. Some restrictions may apply.
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; Fixed
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As Low As; Rate based on creditworthiness and term of loan.
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MAX 48 months
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As Low As; Click to apply!
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Richmond, IN Personal Loan Rate Trends
Compare local Richmond, 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 rose 0.073 points over the past 7 days to 10.191% APR.
Indiana signature loan rates fell 0.072 points over the past 7 days to 11.067% 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 Richmond, Indiana?
What are the best personal loan rates in Richmond, Indiana?
- Natco Credit Union: 9.95% (Personal loans)
- Health Care Professionals Federal Credit Union: 9.99% (Personal Loan)
- Perfect Circle Credit Union: 9.99% (Personal Loan)
- Kemba Credit Union: 13.12% (Personal Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Calculators
