Best Personal Loan Rates in Louisiana - July 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 Louisiana include: River Region Federal Credit UnionRiver Region Federal Credit Union1625 Lutcher Ave, Lutcher, LA, 70071A+5.0 ★Texas Ratio: 2.07% offering 1-Year Term Loan at 3.99% APR, Post Office Employees Credit UnionPost Office Employees Credit Union4624 W Napoleon Ave, Metairie, LA, 70001 2492A+5.0 ★Texas Ratio: 0.97% offering Consolidation Loan at 4.75% APR, Engage Federal Credit UnionEngage Federal Credit Union256 Highway 3175 Byp, Natchitoches, LA, 71457 9601A+5.0 ★Texas Ratio: 3.12% offering New/Used Recreational (2016 - Current) Loan at 5.00% APR, Alive Credit UnionAlive Credit Union2739 W Church St, Hammond, LA, 70401A+5.0 ★Texas Ratio: 4.19% offering Tactical Loan at 5.00% APR, and BRECO Federal Credit UnionBRECO Federal Credit Union3029 S Sherwood Forest Blvd, Baton Rouge, LA, 70816A-5.0 ★Texas Ratio: 13.75% offering Land Loans at 5.20% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Louisiana side-by-side. Louisiana personal loan rates currently start as low as 3.99% APR from River Region Federal Credit Union at 1625 Lutcher Ave, Lutcher, LA, 70071. 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 Louisiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Louisiana. 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 25, 2026
Louisiana Personal Loan Rates
As Low As; Copy of invoice from school/college required
As Low As; Rates are based on credit score & term of the loan. Loan Loyalty Discounts apply only when there is no other 1.25% discount promotion. Optional - Start your Debt Diet with our FREE Financial Wellness Review.
As low as
As low as
As Low As; Purchase acreage or raw land. Up to 100% Loan to Value
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Maximum Loan Amount: Less than $15,000
As Low As
As Low As; Purchase acreage or raw land. Up to 100% Loan to Value
As Low As
Maximum Loan Amount: $15,000 - $19,999.99
Maximum Loan Amount: $20,000 - $29,999.99
No additional details available.
APR varies by term.
APR varies by term.
Contact us toapply.
No additional details available.
As Low As
No additional details available.
No additional details available.
APR varies by term.
Rate Ranges Are Based On Credit Worthiness
Rate Ranges Are Based On Credit Worthiness
Maximum Loan Amount: $40,000 or more
As Low As; Starting at
Maximum Loan Amount: $30,000 - $39,999.99
Rate Ranges Are Based On Credit Worthiness
As Low As; Purchase acreage or raw land. Up to 100% Loan to Value
No additional details available.
No additional details available.
As Low As
As Low As; Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As; Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
No additional details available.
As Low As; Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
Maximum Amount: 20% of Gross Income - Depends on Credit Score
No additional details available.
As Low As
No additional details available.
90% Loan to Value
As low as
As low as; Up to $20,000. Terms based on loan amount. Exclusions and conditions apply.
No additional details available.
Borrow up to $2,500. Rates depend on credit. Some restrictions may apply.
As Low As; $500 - $50,000
Maximum Amount: $1,000
No additional details available.
Depending on Your Credit Score, you could be eligible for up to $15,000.00
As Low As
No additional details available.
As Low As
Fixed-rate; Maximum amount $20,000
No additional details available.
As Low As
80% loan to value
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Credit Score: Above 749
Unsecured loan up to $15,000.00. 9-18% APR (see chart below).
No additional details available.
As low as
No additional details available.
No additional details available.
As Low As; Catch up on bills, home repairs, etc.
As Low As
No additional details available.
No additional details available.
Limited time only New Year Special: January - April Summer Special: May - August Holiday Special: September - December
Contact credit union for more details.
As Low As
As Low As
As Low As; Savings Over 3 Years $426
No Collateral Required
No additional details available.
As Low As; See all Loan Rates
As Low As; APR = Annual Percentage Rates. Please contact a Loan Officer for more information.
As low as; Terms based on loan amount
As low as
No additional details available.
APR varies by term.
Rates at a Glance
As Low As
No additional details available.
Maximum 15% Salary up to $10,000 after 1 Year of Employment. Maximum 5% Salary 3 Months to 1 Year of Employment. Loans over 36 months based on credit worthiness
No additional details available.
As Low As
As Low As
Rates as low as 10% APR*; Loans of $500 to $13,000; Low variable rates based on credit worthiness; Local decision-making; No collateral necessary; NO application fee; Flexible repayment terms; NO pre-payment penalty; Personalized service at every step
No additional details available.
As Low As; Loan Amount: $10,000 or more
Loan Amount: $10,000 or more; As Low As
No additional details available.
No additional details available.
As Low As;*
As Low As;*
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
Debt Ratio < or = 29.99%; No Public Records; No Past Due Accounts; Bankruptcy Over 10 Years Old (From Date of Discharge)
As Low As
As Low As; Credit Rating: A+
Paper Grade: A; Credit Score Range: 720+
As Low As
No additional details available.
No additional details available.
As Low As; Loan Amount: $10,000 or more
Loan Amount: $10,000 or more; As Low As
Paper Grade: A; Credit Score Range: 720+
Paper Grade: A; Credit Score Range: 720+
As Low As; Approximate Payment (per $1,000): $24.12
Limits: 5X Gross Monthly Income
No additional details available.
No additional details available.
Credit Score: 700-749
As Low As; Payment calculated on a monthly factor of 2.25% for each increment or partial increment of $1,000 outstanding balance and rounded to the next even dollar amount. See credit agreement for more details. Interest rate is variable and may change after loan funding.
Limits: 5X Gross Monthly Income
$2,000; As Low As; Great for after Christmas, Easter, Back-to-school and many other benefits
Special loan for disasters
Loan Amount: $25,000 or more; As Low As
As Low As; Loan Amount: $25,000 or more
Limits: 5X Gross Monthly Income
No additional details available.
Limits: 5X Gross Monthly Income
No additional details available.
Limits: 4X Gross Monthly Income
No additional details available.
No additional details available.
Debt Ratio 30% to 39.99%; No Public Records; Some (1 or 2) 30 Day Past Due; Bankruptcy 7 to 10 Years Old (From Date of Discharge)
Credit Score: 650-699
Loan Amount: $25,000 or more; As Low As
As Low As; Loan Amount: $25,000 or more
Loan Amount: $3,000 - $9,999; As Low As
Louisiana Personal Loan Rates
As Low As; Starting at
No additional details available.
As Low As; $500 - $50,000
Fixed-rate; Maximum amount $20,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As low as
As Low As; See all Loan Rates
As low as; Terms based on loan amount
No additional details available.
Rates at a Glance
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As;*
No additional details available.
No additional details available.
As Low As
Paper Grade: A; Credit Score Range: 720+
As Low As
No additional details available.
Paper Grade: A; Credit Score Range: 720+
Paper Grade: A; Credit Score Range: 720+
As Low As; Approximate Payment (per $1,000): $24.12
No additional details available.
No additional details available.
Louisiana Debt Consolidation Loan Rates
As Low As; Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
As low as; Up to $20,000. Terms based on loan amount. Exclusions and conditions apply.
Louisiana Signature Loan Rates
As Low As; Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
No additional details available.
As Low As
Depending on Your Credit Score, you could be eligible for up to $15,000.00
As Low As
Unsecured loan up to $15,000.00. 9-18% APR (see chart below).
No additional details available.
No additional details available.
No additional details available.
Contact credit union for more details.
As Low As
No Collateral Required
As Low As; APR = Annual Percentage Rates. Please contact a Loan Officer for more information.
As Low As
APR varies by term.
As low as
Rates as low as 10% APR*; Loans of $500 to $13,000; Low variable rates based on credit worthiness; Local decision-making; No collateral necessary; NO application fee; Flexible repayment terms; NO pre-payment penalty; Personalized service at every step
As Low As
Maximum 15% Salary up to $10,000 after 1 Year of Employment. Maximum 5% Salary 3 Months to 1 Year of Employment. Loans over 36 months based on credit worthiness
Loan Amount: $10,000 or more; As Low As
As Low As; Loan Amount: $10,000 or more
No additional details available.
Debt Ratio < or = 29.99%; No Public Records; No Past Due Accounts; Bankruptcy Over 10 Years Old (From Date of Discharge)
As Low As; Credit Rating: A+
Loan Amount: $10,000 or more; As Low As
As Low As; Loan Amount: $10,000 or more
No additional details available.
Loan Amount: $25,000 or more; As Low As
As Low As; Loan Amount: $25,000 or more
No additional details available.
Debt Ratio 30% to 39.99%; No Public Records; Some (1 or 2) 30 Day Past Due; Bankruptcy 7 to 10 Years Old (From Date of Discharge)
Loan Amount: $25,000 or more; As Low As
As Low As; Loan Amount: $25,000 or more
Loan Amount: $3,000 - $9,999; As Low As
Louisiana Personal Loan Rate Trends
Compare local Louisiana 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.
Louisiana personal loan rates rose 0.071 points over the past 7 days to 11.597% APR.
Louisiana signature loan rates rose 0.004 points over the past 7 days to 12.221% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Louisiana 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 Louisiana 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 Louisiana. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in LA.
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 Louisiana?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Louisiana?
Are credit unions or banks better for personal loans in Louisiana?
What are the best personal loan rates in Louisiana?
- River Region Federal Credit Union: 3.99% (1-Year Term Loan)
- Post Office Employees Credit Union: 4.75% (Consolidation Loan)
- Engage Federal Credit Union: 5.00% (New/Used Recreational (2016 - Current) Loan)
- Alive Credit Union: 5.00% (Tactical Loan)
- BRECO Federal Credit Union: 5.20% (Land Loans)
