Best Personal Loan Rates in Lake Charles, Louisiana (LA) - 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 Lake Charles, Louisiana include: Southwest Louisiana Credit UnionSouthwest Louisiana Credit Union4056 Ryan St, Lake Charles, LA, 70605A+5.0 ★Texas Ratio: 4.91% offering Share Pledge & CD Pledge Loans at 4.50% APR, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157A5.0 ★Texas Ratio: 8.91% offering Holiday Loan - Closed End at 6.74% APR, Allied Plastics Federal Credit UnionAllied Plastics Federal Credit Union4390 Ryan St, Lake Charles, LA, 70605 4514A5.0 ★Texas Ratio: 6.28% offering Recreational Loans at 7.25% APR, Calcasieu Parish Employees Federal Credit UnionCalcasieu Parish Employees Federal Credit Union1011 Lake Shore Dr Ste 500, Lake Charles, LA, 70601 9417A+5.0 ★Texas Ratio: 4.92% offering Signature at 10.00% APR, and CSE Federal Credit UnionCSE Federal Credit Union4321 Nelson Rd, Lake Charles, LA, 70605 4119A+5.0 ★Texas Ratio: 4.33% offering Signature Loans at 11.75% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Lake Charles has 5 local institutions in our database, with personal loan rates as low as 4.50% APR from Southwest Louisiana Credit Union at 4056 Ryan St, Lake Charles, LA, 70605. 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 Lake Charles, Louisiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lake Charles, 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: April 19, 2026
2.5% above rate earned on share/cd with a minimum rate of 4.5%
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
As Low As
As Low As; Up to $20,000. Terms based on loan amount. Exclusions and conditions apply.
As Low As
As Low As
As Low As; Terms based on loan amount
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As Low As
Up to $25,000**
No additional details available.
Up to $25,000**
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As Low As; Purchase acreage or raw land. Up to 100% Loan to Value
As Low As; Purchase acreage or raw land. Up to 100% Loan to Value
As Low As; Members are eligible after 6 months of employment; Member can qualify for 2 times their gross monthly income not to exceed $10,000.00.
Maximum Loan Amount: Less than $15,000
Maximum Loan Amount: $15,000 - $19,999.99
As Low As
As Low As; Purchase acreage or raw land. Up to 100% Loan to Value
As Low As; Maximum 90% of Appraised Value; Parishes approved for Property Loans are: Lafayette, St Landry, Vermillion, Acadia and St. Martin
As Low As
Maximum Loan Amount: $20,000 - $29,999.99
Maximum Loan Amount: $30,000 - $39,999.99
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No additional details available.
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No additional details available.
As Low As; Limited time only New Year Special: January - April Summer Special: May - August Holiday Special: September - December
As Low As; Contact credit union for more details.
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No additional details available.
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No additional details available.
No additional details available.
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As Low As
Maximum Loan Amount: $50,000 - $59,999.99
up to 60 months
As Low As
Regular APR: 9-18%
max. 60 mo.
As Low As
$5,000 to $50,000
No additional details available.
No additional details available.
As Low As
As Low As; Catch up on bills, home repairs, etc.
As Low As
Maximum Loan Amount: $60,000 or more
As Low As
As Low As
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As Low As
No additional details available.
As Low As
As Low As; 12 months
As Low As; Need extra cash? Get a Personal Loan from La Cap!
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As Low As; 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; Use for tax payment, holiday expenses, back to school, bill consolidation, and more
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; Loan Amount: $10,000 or more
As Low As; Loan Amount: $10,000 or more
No additional details available.
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As Low As; Terms available up to 48 months; No collateral required; Simple application process; Fast local decision-making
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Debt Ratio < or = 29.99%; No Public Records; No Past Due Accounts; Bankruptcy Over 10 Years Old (From Date of Discharge)
As Low As
Paper Grade A, Credit Score Range 720+
As Low As; Loan Amount: $10,000 or more
As Low As; Loan Amount: $10,000 or more
As Low As
As Low As
No additional details available.
Paper Grade A, Credit Score Range 720+
Paper Grade A, Credit Score Range 720+
As Low As
Up to 60 months financing
Borrow up to $1,200; 12-month repayment term; Perfect for gifts, travel, and holiday expenses; Quick and easy application process
No additional details available.
Special loan for disasters
$2,000; As Low As; Great for after Christmas, Easter, Back-to-school and many other benefits
As Low As; Loan Amount: $25,000 or more
As Low As; Loan Amount: $25,000 or more
Up To $20,000.00; Up to 60 months - 5 years
Up To $20,000.00; Up to 60 months - 5 years
As Low As
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)
As Low As; Loan Amount: $25,000 or more
As Low As; Loan Amount: $25,000 or more
As Low As; Loan Amount: $3,000 - $9,999
As Low As; Loan Amount: $3,000 - $9,999
As Low As
As Low As
Paper Grade B, Credit Score Range 670-719
Paper Grade B, Credit Score Range 670-719
Up To $20,000.00; Up to 60 months - 5 years
No additional details available.
Paper Grade B, Credit Score Range 670-719
Maximum Loan Amount: $70,000 or more (Motor Homes Only)
Paper Grade C, Credit Score Range 620 - 669
Debt Ratio 40% to 49.99%; Public Records; Some (3 or 4) 30 Day Past Due; Some (1 or 2) 60 Day Past Due; Bankruptcy 3 to 6.00 Years Old (From Date of Discharge)
Paper Grade C, Credit Score Range 620 - 669
Up To $20,000.00; Up to 60 months - 5 years
Up To $20,000.00; Up to 60 months - 5 years
Debt Ratio 50% to 59.99%; Bankruptcy 2 to 2.99 Years Old (From Date of Discharge)
Paper Grade D, Credit Score Range 580 - 619
Up To $20,000.00; Up to 60 months - 5 years
Paper Grade D, Credit Score Range 580 - 619
As Low As
As Low As
Paper Grade E, Credit Score Range 579 or less
No additional details available.
No additional details available.
No additional details available.
As Low As; Loan Amount: Less than $3,000
As Low As; Loan Amount: Less than $3,000
Debt Ratio > or = 60%; Bankruptcy 0 to 1.99 Years Old (From Date of Discharge); Need Board Approval
No additional details available.
As Low As; Short term, Small amount loans - Contact credit union for details.
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No additional details available.
No additional details available.
No additional details available.
As Low As; Terms based on loan amount
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No additional details available.
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As Low As; 12 months
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As Low As
As Low As; Need extra cash? Get a Personal Loan from La Cap!
As Low As
No additional details available.
As Low As; 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; Use for tax payment, holiday expenses, back to school, bill consolidation, and more
No additional details available.
As Low As
As Low As; Terms available up to 48 months; No collateral required; Simple application process; Fast local decision-making
As Low As
As Low As
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
Up To $20,000.00; Up to 60 months - 5 years
Up To $20,000.00; Up to 60 months - 5 years
As Low As
As Low As
Paper Grade B, Credit Score Range 670-719
Paper Grade B, Credit Score Range 670-719
Up To $20,000.00; Up to 60 months - 5 years
Paper Grade B, Credit Score Range 670-719
Paper Grade C, Credit Score Range 620 - 669
Paper Grade C, Credit Score Range 620 - 669
Up To $20,000.00; Up to 60 months - 5 years
Up To $20,000.00; Up to 60 months - 5 years
Up To $20,000.00; Up to 60 months - 5 years
Paper Grade D, Credit Score Range 580 - 619
Paper Grade D, Credit Score Range 580 - 619
No additional details available.
Paper Grade E, Credit Score Range 579 or less
As Low As; Up to $20,000. Terms based on loan amount. Exclusions and conditions apply.
$5,000 to $50,000
As Low As
As Low As
Up to $25,000**
Up to $25,000**
As Low As; Members are eligible after 6 months of employment; Member can qualify for 2 times their gross monthly income not to exceed $10,000.00.
No additional details available.
As Low As; Contact credit union for more details.
As Low As
As Low As
As Low As
Regular APR: 9-18%
No additional details available.
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As Low As
No additional details available.
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As Low As
No additional details available.
As Low As
As Low As; Loan Amount: $10,000 or more
As Low As; Loan Amount: $10,000 or more
As Low As
As Low As
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As Low As
Debt Ratio < or = 29.99%; No Public Records; No Past Due Accounts; Bankruptcy Over 10 Years Old (From Date of Discharge)
As Low As; Loan Amount: $10,000 or more
As Low As; Loan Amount: $10,000 or more
As Low As
As Low As; Loan Amount: $25,000 or more
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)
As Low As; Loan Amount: $25,000 or more
As Low As; Loan Amount: $25,000 or more
As Low As; Loan Amount: $3,000 - $9,999
As Low As; Loan Amount: $3,000 - $9,999
No additional details available.
Debt Ratio 40% to 49.99%; Public Records; Some (3 or 4) 30 Day Past Due; Some (1 or 2) 60 Day Past Due; Bankruptcy 3 to 6.00 Years Old (From Date of Discharge)
Debt Ratio 50% to 59.99%; Bankruptcy 2 to 2.99 Years Old (From Date of Discharge)
As Low As; Loan Amount: Less than $3,000
As Low As; Loan Amount: Less than $3,000
No additional details available.
Debt Ratio > or = 60%; Bankruptcy 0 to 1.99 Years Old (From Date of Discharge); Need Board Approval
Lake Charles, LA Personal Loan Rate Trends
Compare local Lake Charles, LA 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 0.292 points over the past 7 days to 11.658% APR.
Louisiana signature loan rates rose 0.049 points over the past 7 days to 12.189% APR.
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 Lake Charles, Louisiana?
What are the best personal loan rates in Lake Charles, Louisiana?
- Southwest Louisiana Credit Union: 4.50% (Share Pledge & CD Pledge Loans)
- Northrop Grumman Federal Credit Union: 6.74% (Holiday Loan - Closed End)
- Allied Plastics Federal Credit Union: 7.25% (Recreational Loans)
- Calcasieu Parish Employees Federal Credit Union: 10.00% (Signature)
- CSE Federal Credit Union: 11.75% (Signature Loans)
Personal Loan Calculators
