Best Personal Loan Rates in Iowa - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Iowa include: Sioux Valley Community Credit UnionSioux Valley Community Credit Union1120 6th St, Sioux City, IA, 51101 1908C+4.1 ★Texas Ratio: 25.21% offering 2018 and Older Loan at 4.35% APR, Community Choice Credit Union Johnston, IACommunity Choice Credit Union Johnston, IA8404 nw 62nd ave, Johnston, IA, 50131A+5.0 ★Texas Ratio: 2.96% offering 2024 Loan at 4.52% APR, Community 1st Credit Union Ottumwa, IACommunity 1st Credit Union Ottumwa, IA739 Pennsylvania Ave, Ottumwa, IA, 52501B-4.3 ★Texas Ratio: 21.04% offering Consumer (Model Year: 2023-2026; Terms up to 48 months) Loan at 4.59% APR, Journey Credit UnionJourney Credit Union1400 2nd Ave, Des Moines, IA, 50314 3403A+5.0 ★Texas Ratio: 5.54% offering 2024 & Newer Loan at 4.94% APR, and Members Community Credit UnionMembers Community Credit Union159 Colorado St, Muscatine, IA, 52761A+5.0 ★Texas Ratio: 0.39% offering 2023 - New Loan at 4.99% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Iowa side-by-side. Iowa personal loan rates currently start as low as 4.35% APR from Sioux Valley Community Credit Union at 1120 6th St, Sioux City, IA, 51101 1908. 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 Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Iowa. 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: July 6, 2026
Iowa Personal Loan Rates
As Low As; APR*
As Low As; APR*
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; *
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As low as; *
As Low As; *
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; **
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
APR*
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; **
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; **
As Low As; **
As Low As; *
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Relationship Rate: 5.14%*
As Low As; **
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
APR*
As Low As; 11
As Low As; Term: 66
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Term: 60
Loan Amount: $25,000
As Low As; **
Relationship Rate: 5.34%*
As Low As; Term: 48
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Term: 36
As Low As; *
Rates may vary based on term and credit qualifications. See credit union for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
No additional details available.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
APR*
80% loan-to-value ratio, Refinanced (existing loans) must add an additional $5,000 to receive this rate **Up to 180 months with 66 month balloon for loans over $15,000; APR*
No additional details available.
Interest Rate
As Low As; Loyalty APR: 5.59%
As Low As; **
No additional details available.
As Low As; **
As Low As; *
As Low As; Term: 60
No additional details available.
As Low As; Term: 48
As Low As; Loyalty APR: 5.79%
As Low As; Term: 36
As Low As
Loan Amount: $20,000
APR*
APR*
No additional details available.
As Low As
For $20,000, the monthly payment will be approximately $229.00.
No additional details available.
As Low As
As Low As; Loyalty APR: 6.34%
APR effective 10/1/2025
No additional details available.
No additional details available.
As Low As; 11
As Low As
Under $25,000
No additional details available.
APR*
No additional details available.
No additional details available.
As Low As; **
APR*
As Low As
Rates may vary based on term and credit qualifications. See credit union for details.
As Low As;*
Over $25,000
Rates subject to change. See loan officer for details.
As Low As; Term: 36
APR effective 10/1/2025
Credit Score: 700+
As Low As; 11
Rates subject to change. See loan officer for details.
As Low As
As Low As; **
No additional details available.
As Low As; Loyalty APR: 7.99%
As low as***
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Loyalty APR: 8.04%
Relationship Rate: 8.35%
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Loan Amount: $15,000
As Low As; Special APR: 6.47%
As Low As; Special APR: 6.46%
No additional details available.
As Low As; Special APR: 6.56%
Actual Rate you receive is based on your credit score and term.
$20
As Low As; Special APR: 6.68%
As Low As; Special APR: 6.67%
Under $25,000
As Low As
No additional details available.
No additional details available.
$20
Loan Amount: $10,000
No additional details available.
As Low As
Relationship Rate: 9.35%
As Low As
No additional details available.
As Low As; rates vary by term and creditworthiness
As Low As;*
As Low As
No additional details available.
As Low As; Annual Percentage Rate
As Low As
$20
As Low As; Loyalty APR: 9.69%
No additional details available.
As Low As
Over $25,000
As Low As
Over $25,000
As Low As
Iowa Personal Loan Rates
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; Annual Percentage Rate
As Low As
As Low As
As Low As
Iowa Debt Consolidation Loan Rates
Iowa Signature Loan Rates
Actual Rate you receive is based on your credit score and term.
As Low As
As Low As; rates vary by term and creditworthiness
As Low As
Iowa Personal Loan Rate Trends
Compare local Iowa 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.
Iowa personal loan rates currently average 12.139% APR.
Iowa signature loan rates currently average 11.993% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Iowa 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 Iowa 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 Iowa. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in IA.
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 Iowa?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Iowa?
Are credit unions or banks better for personal loans in Iowa?
What are the best personal loan rates in Iowa?
- Sioux Valley Community Credit Union: 4.35% (2018 and Older Loan)
- Community Choice Credit Union Johnston, IA: 4.52% (2024 Loan)
- Community 1st Credit Union Ottumwa, IA: 4.59% (Consumer (Model Year: 2023-2026; Terms up to 48 months) Loan)
- Journey Credit Union: 4.94% (2024 & Newer Loan)
- Members Community Credit Union: 4.99% (2023 - New Loan)
