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 Signature Loans at 3.99% APR, Red River Employees Federal Credit UnionRed River Employees Federal Credit Union380 S Franklin St, Bastrop, LA, 71220A+5.0 ★Texas Ratio: 4.81% offering NEW! 2026 Loan at 4.60% 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, First Street Federal Credit UnionFirst Street Federal Credit Union709 W 1ST ST, DERIDDER, LA, 70634A+5.0 ★Texas Ratio: 0.39% offering Used Cur Yr Model Loan at 5.25% APR, and Valex Federal Credit UnionValex Federal Credit Union2495 Shreveport Hwy, Pineville, LA, 71360A-4.9 ★Texas Ratio: 16.18% offering 36 Months Loan at 5.25% 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 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 6, 2026
Louisiana Personal Loan Rates
As Low As; Copy of invoice from school/college required
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
Maximum Loan Amount: Less than $15,000
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
Maximum Loan Amount: $15,000 - $19,999.99
Maximum Loan Amount: $20,000 - $29,999.99
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
APR varies by term. Terms up to 10 years.
Terms up to 10 years. Contact us toapply.
APR varies by term. Terms up to 10 years.
Maximum Loan Amount: Less than $15,000
Loan amount Under $20,000.00. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit. Minimum and maximum loan amounts may apply. Payment example based on a $15,000 loan: $291.30 at 6.10% APR with a 60-month term. Your APR may differ based on your loan amount, repayment method, and other factors.
As Low As
No additional details available.
APR varies by term. Terms up to 10 years.
Maximum Loan Amount: $15,000 - $19,999.99
No additional details available.
Up to $10,000; As Low As
Maximum Loan Amount: $30,000 - $39,999.99
Maximum Loan Amount: $40,000 or more
As Low As; Starting at
No additional details available.
Loan amount Over $20,000.00. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit. Minimum and maximum loan amounts may apply. Payment example based on a $15,000 loan: $291.30 at 6.10% APR with a 60-month term. Your APR may differ based on your loan amount, repayment method, and other factors.
As Low As
No additional details available.
Maximum 90% of Appraised Value; Personal/Owner Occupied
$10,001-$15,000; As Low As
Monthly payments are approximately $30.97 per $1000 borrowed at 6.99% APR for 36 months.
Est. Monthly Payment per $1,000: $30.97
Maximum Loan Amount: $20,000 - $29,999.99
Interest Rates as Low Asâ€
No additional details available.
No additional details available.
As Low As
Loan amount Under $20,000.00. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit. Minimum and maximum loan amounts may apply. Payment example based on a $15,000 loan: $299.17 at 7.20% APR with a 60-month term. Your APR may differ based on your loan amount, repayment method, and other factors.
Maximum Loan Amount: $40,000 - $49,999.99
Maximum Loan Amount: $30,000 - $39,999.99
Interest Rates as Low Asâ€
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; Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
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
$15,001-$25,000; As Low As
Est. Monthly Payment per $1,000: $24.26
Monthly payments are approximately $31.20 per $1000 borrowed at 7.49% APR for 36 months.
Interest Rates as Low Asâ€
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Maximum Amount: 20% of Gross Income - Depends on Credit Score
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.
Loan amount Over $20,000.00. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit. Minimum and maximum loan amounts may apply. Payment example based on a $15,000 loan: $299.17 at 7.20% APR with a 60-month term. Your APR may differ based on your loan amount, repayment method, and other factors.
Interest Rates as Low Asâ€
As Low As; 90% Loan to Value
As Low As; Up to $20,000. Terms based on loan amount. Exclusions and conditions apply.
Est. Monthly Payment per $1,000: $20.35
No additional details available.
Interest Rates as Low Asâ€
Interest Rates as Low Asâ€
$25,001-$50,000; As Low As
As Low As; $500 - $50,000
No additional details available.
Maximum Amount: $1,000
As Low As; Depending on Your Credit Score, you could be eligible for up to $15,000.00
No additional details available.
No additional details available.
As Low As
Proceeds of loan are deposited to share savings and maintained in the account until loan balance is paid in full (100% secured).
Maximum term for loans up to $5,000 is 36 months
Loan amount is over $10,000
Maximum term for loans up to $5,000 is 36 months
Interest Rates as Low Asâ€
As Low As
Terms up to 2 years.
Fixed-rate; Maximum amount $20,000; Apply Online
No additional details available.
Maximum Loan Amount: $50,000 - $59,999.99
No additional details available.
No additional details available.
As Low As; 80% loan to value
Loan amount is over $5,000
Loan amount is over $15,000
Loan amount is over $5,000
Unsecured loan up to $15,000.00. 9-18% APR (see chart below).
Based on Credit Score: Above 749
No additional details available.
As Low As; Low minimum monthly payment of only 2% of balance or $10 (whichever is greater).
Maximum Loan Amount: $60,000 or more
No additional details available.
Loan amount is over $10,000
Loan amount is over $25,000
Loan amount is over $10,000
Catch up on bills, home repairs, etc.; As low as 9.25%
As Low As
As Low As
As Low As; $5,000 to $50,000; 2.00% Loan Origination Fee will be assessed on each loan
As Low As; Borrow up to $40,000.00 for personal needs
As Low As; *See rate sheet for details.
Fixed rates as low as 9.50% APR*; Finance up to $10,000; 90 day no pay*
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
AS LOW AS
No Collateral Required
No additional details available.
APR = Annual Percentage Rates. Please contact a Loan Officer for more information. Effective October 1, 2013, if you are more than 10 days late in making a payment, you will be charged a $10.00 late fee.
As Low As; Terms based on loan amount
As Low As; 12 months
APR varies by term. Terms up to 5 years.
$1,001 - $2,500; As Low As; Personal Loans (Unsecured)
No additional details available.
As Low As; Personal Loans
No additional details available.
As Low As
As Low As
As low as
No additional details available.
As Low As
As Low As
As Low As
As Low As; Loans of $500 to $13,000; Low variable rates based on credit worthiness; No collateral necessary; NO application fee; Flexible repayment terms; NO pre-payment penalty; Personalized service at every step
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; Apply Online
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Low minimum monthly payment of only 2% of balance or $10 (whichever is greater).
As Low As; Terms based on loan amount
As Low As; 12 months
As Low As; Personal Loans
No additional details available.
As low as
No additional details available.
As low as
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.
As Low As; $5,000 to $50,000; 2.00% Loan Origination Fee will be assessed on each loan
Louisiana Signature Loan Rates
As Low As; Copy of invoice from school/college required
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
Contact credit union for more details.
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.
As Low As; Borrow up to $40,000.00 for personal needs
As Low As; *See rate sheet for details.
AS LOW AS
No Collateral Required
APR = Annual Percentage Rates. Please contact a Loan Officer for more information. Effective October 1, 2013, if you are more than 10 days late in making a payment, you will be charged a $10.00 late fee.
As Low As
No additional details available.
APR varies by term. Terms up to 5 years.
As Low As
As Low As
As Low As
As Low As; Loans of $500 to $13,000; Low variable rates based on credit worthiness; No collateral necessary; NO application fee; Flexible repayment terms; NO pre-payment penalty; Personalized service at every step
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 currently average 11.211% APR.
Louisiana 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 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% (Signature Loans)
- Red River Employees Federal Credit Union: 4.60% (NEW! 2026 Loan)
- Engage Federal Credit Union: 5.00% (New/Used Recreational (2016 - Current) Loan)
- First Street Federal Credit Union: 5.25% (Used Cur Yr Model Loan)
- Valex Federal Credit Union: 5.25% (36 Months Loan)
