Best Personal Loan Rates in Winona Lake, 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 Winona Lake, Indiana include: Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Elements Financial Federal Credit UnionElements Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.98% offering Credit Builder Loan at 5.00% APR, Energy Plus Credit UnionEnergy Plus Credit UnionA+5.0 ★Texas Ratio: 1.46% offering LAWN & GARDEN EQUIPMENT LOANS New at 5.50% APR, Staley Credit UnionStaley Credit UnionA+5.0 ★Texas Ratio: 0.82% offering Credit Builder Loans at 5.70% APR, and Northwest Bank Warren, PANorthwest Bank Warren, PAA+5.0 ★Texas Ratio: 5.33% offering Equipment Term Loans at 5.99% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Winona Lake borrowers have access to 55 lenders serving the Indiana area, with personal loan rates as low as 4.50% APR from Baxter Credit Union. 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 Winona Lake, Indiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Winona Lake, 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 9, 2026
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; (Current Model Year Not Previously Titled)
No additional details available.
Offer valid on equipment term loans only. No lines of credit. Offer expires 4/15/2026. No refinancing of Northwest exisiting debt. SBA Loans and business credit cards are not eligible for promotional offer. All standard rates and terms apply. See bank for detials.
As Low As
$100.00 application fee
As Low As; (Current Model Year Not Previously Titled)
As Low As; Purchase: 5.625% for 30-Year Fixed
As Low As; - (30-year rate shown)
As Low As; - (30-year rate shown)
As Low As; - (30-year rate shown)
No additional details available.
No additional details available.
As Low As; for 30-Year Fixed
As Low As; for 30-Year Fixed
No additional details available.
720 & Higher
720 & Higher
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
720 & Higher
As Low As; - (10-year rate shown)
As Low As
No additional details available.
As Low As; March Madness Special
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
As Low As; Personal loans must be in the amount of $5,000 or greater to qualify for promotional rate. Your personal loan rate may vary based on amount borrowed, length of term and creditworthiness. Payment example: Borrow $5000 for 12 months at 6.99%; monthly payment = $432.61. All accounts have to be in good standing. All loans subject to underwriting standards. Promotion ends 04.30.2026, and Afena FCU reserves the right to change or discontinue the promotion without notice.
720 & Higher
As Low As
As Low As
720 & Higher
No additional details available.
As Low As; Get up to $5000
MAX 72 months
As Low As
720 & Higher
720 & Higher
As Low As
As Low As
As Low As
720 & Higher
720 & Higher
As Low As
As Low As
As Low As; starts at 7.50%*
As Low As; (Up To 10th Previous Model Year)
As Low As
No additional details available.
700-719
700-719
As Low As
As Low As
As Low As; Up to $2,000
No additional details available.
700-719
700-719
As Low As
As Low As
$2500
As Low As; Credit score of 630 and above required
As Low As
700-719
700-719
As Low As
No additional details available.
As Low As
660-699
660-699
As Low As
660-699
660-699
As Low As
As Low As
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.
No additional details available.
No additional details available.
As Low As; Subject to credit approval. Some restrictions may apply.
As Low As
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
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
660-699
660-699
As Low As
(1/2 SIG 1/2 Shares); Maximum - $20,000.00 (60 Months); Per Board Approval
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
660-699
660-699
As Low As
As Low As
As Low As
As Low As
660-699
660-699
As Low As
No additional details available.
MAX 48 months
As Low As
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
700-719
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Up to $25,000*. No application fee!
As Low As
As Low As
As Low As
As Low As
660-699
As Low As
As Low As
As Low As
As Low As
As Low As
660-699
As Low As
As Low As
$500-$4999
Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit.
660-699
660-699
720 & Higher
As Low As; Personal loans must be in the amount of $5,000 or greater to qualify for promotional rate. Your personal loan rate may vary based on amount borrowed, length of term and creditworthiness. Payment example: Borrow $5000 for 12 months at 6.99%; monthly payment = $432.61. All accounts have to be in good standing. All loans subject to underwriting standards. Promotion ends 04.30.2026, and Afena FCU reserves the right to change or discontinue the promotion without notice.
As Low As; March Madness Special
As Low As
As Low As
No additional details available.
As Low As; starts at 7.50%*
As Low As
As Low As
As Low As
As Low As
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.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
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.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Up to $25,000*. No application fee!
As Low As
As Low As
As Low As
$500-$4999
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
MAX 48 months
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
Winona Lake, IN Personal Loan Rate Trends
Compare local Winona Lake, 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 0.313 points over the past 7 days to 10.424% APR.
Indiana signature loan rates fell 1.466 points over the past 7 days to 9.656% 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 Winona Lake, Indiana?
What are the best personal loan rates in Winona Lake, Indiana?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Elements Financial Federal Credit Union: 5.00% (Credit Builder Loan)
- Energy Plus Credit Union: 5.50% (LAWN & GARDEN EQUIPMENT LOANS New)
- Staley Credit Union: 5.70% (Credit Builder Loans)
- Northwest Bank Warren, PA: 5.99% (Equipment Term Loans)
Personal Loan Calculators
