Best Personal Loan Rates in New Orleans, Louisiana (LA) - May 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 New Orleans, Louisiana include: Post Office Employees Credit UnionPost Office Employees Credit Union701 Loyola Ave, New Orleans, LA, 70113A+5.0 ★Texas Ratio: 0.97% offering Consolidation Loan at 4.75% APR, Internal Revenue Federal Credit UnionInternal Revenue Federal Credit Union1555 Poydras St, New Orleans, LA, 70112 3726A+5.0 ★Texas Ratio: 0.75% offering Personal Loan at 6.50% APR, Keesler Federal Credit UnionKeesler Federal Credit Union3700 Orleans Ave, New Orleans, LA, 70119A+5.0 ★Texas Ratio: 3.87% offering Prime Rate Loan at 6.75% APR, Instep Credit UnionInstep Credit Union400 Russell Ave Bldg 509, New Orleans, LA, 70143 5077A5.0 ★Texas Ratio: 7.38% offering Lifestyle Loans at 7.25% APR, and Campus Federal Credit UnionCampus Federal Credit Union433 Bolivar St Rm 102, New Orleans, LA, 70112 7021A+5.0 ★Texas Ratio: 1.67% offering Lot Loan at 7.75% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
New Orleans has 12 local institutions in our database, with personal loan rates as low as 4.75% APR from Post Office Employees Credit Union at 701 Loyola Ave, New Orleans, LA, 70113. 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 New Orleans, Louisiana.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in New Orleans, 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: May 23, 2026
New Orleans Personal Loan Rates
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As Low As; 90% Loan to Value
As Low As
As Low As; $500 - $50,000
Variable Rate, Revolving Line Of Credit; Terms Up To 20 Years
As Low As
As Low As
As Low As; 80% loan to value
No additional details available.
$5,000 to $50,000
Terms Up To 60 Months; No Collateral Required
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
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As Low As
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
No additional details available.
As Low As
As Low As; Loan Amount: $25,000 or more
As Low As; Loan Amount: $25,000 or more
As Low As
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
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
No additional details available.
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
As Low As
Credit Builder and Payday Loan Alternative; No Credit Check
As Low As; Copy of invoice from school/college required
Offers is valid March 1, 2026 thru May 31, 2026. Offer excludes refinancing GCFCU loans.
As Low As
As Low As
As Low As; Purchase acreage or raw land. Up to 100% Loan to Value
As Low As; Up to 84 Months
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As Low As; Up to 84 Months
As Low As; Up to 84 Months
As Low As; Up to 60 Months
As Low As; Up to 60 Months
As Low As; Up to 72 Months
As Low As
As Low As; Purchase acreage or raw land. Up to 100% Loan to Value
As Low As
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
As Low As; Terms up to 10 years. Contact us toapply.
As Low As; APR varies by term. Terms up to 10 years.
As Low As; APR varies by term. Terms up to 10 years.
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.
Under $20,000.00
As Low As
As Low As; APR varies by term. Terms up to 10 years.
Over $20,000.00
As Low As; Purchase acreage or raw land. Up to 100% Loan to Value
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; Parishes approved for Property Loans are: Lafayette, St Landry, Vermillion, Acadia and St. Martin
No additional details available.
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Under $20,000.00
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As Low As
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.
Over $20,000.00
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As Low As; Up to $20,000. Terms based on loan amount. Exclusions and conditions apply.
No additional details available.
As Low As
As Low As; Depending on Your Credit Score, you could be eligible for up to $15,000.00
As Low As
No additional details available.
Loan amount is over $10,000
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).
As Low As; Up to 60 months; Maximum amount $20,000
As Low As; Terms up to 2 years.
No additional details available.
As Low As
No additional details available.
Loan amount is over $15,000
max. 60 mo.
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Loan amount is over $25,000
As Low As; Catch up on bills, home repairs, etc.
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As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
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As Low As; Finance up to $10,000; 90 day no pay
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As Low As; Terms based on loan amount
As Low As; 12 months
As Low As; Loan amount and term are subject to credit approval. Must have an open Share Account to qualify.
As Low As; APR varies by term. Terms up to 5 years.
As Low As
As Low As
As Low As; plus a chance to win $650!
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; Low variable rates based on credit worthiness
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As Low As; Rate based on creditworthiness and term of loan.
As Low As; Rates depend on credit. Some restrictions may apply.
As Low As
Paper Grade A, Credit Score Range 720+
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As Low As
Paper Grade A, Credit Score Range 720+
Paper Grade A, Credit Score Range 720+
No additional details available.
Up to $25,000**
Up to 60 months financing
Rates depend on credit. Some restrictions may apply.
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.
Special loan for disasters
$2,000; As Low As; Great for after Christmas, Easter, Back-to-school and many other benefits
No additional details available.
Up To $20,000.00
Up To $20,000.00
No additional details available.
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
As Low As
Paper Grade B, Credit Score Range 670-719
Up To $20,000.00
Paper Grade B, Credit Score Range 670-719
No additional details available.
Paper Grade B, Credit Score Range 670-719
Paper Grade C, Credit Score Range 620 - 669
No additional details available.
New Orleans Personal Loan Rates
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As Low As; $500 - $50,000
No additional details available.
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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; Up to 60 months; Maximum amount $20,000
No additional details available.
As Low As
As Low As
As Low As; Terms based on loan amount
As Low As; 12 months
As Low As; plus a chance to win $650!
As Low As
No additional details available.
As Low As; Low variable rates based on credit worthiness
As Low As; Rates depend on credit. Some restrictions may apply.
As Low As
Paper Grade A, Credit Score Range 720+
As Low As
Paper Grade A, Credit Score Range 720+
Paper Grade A, Credit Score Range 720+
Up To $20,000.00
Up To $20,000.00
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
Paper Grade B, Credit Score Range 670-719
Up To $20,000.00
Paper Grade B, Credit Score Range 670-719
Paper Grade B, Credit Score Range 670-719
Paper Grade C, Credit Score Range 620 - 669
New Orleans Debt Consolidation Loan Rates
$5,000 to $50,000
As Low As; Up to $20,000. Terms based on loan amount. Exclusions and conditions apply.
New Orleans Signature Loan Rates
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Terms Up To 60 Months; No Collateral Required
As Low As; Loan Amount: $10,000 or more
As Low As; Loan Amount: $10,000 or more
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; Loan Amount: $25,000 or more
As Low As; Loan Amount: $25,000 or more
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
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
Debt Ratio > or = 60%; Bankruptcy 0 to 1.99 Years Old (From Date of Discharge); Need Board Approval
As Low As; Copy of invoice from school/college required
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.
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; Contact credit union for more details.
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As Low As; Depending on Your Credit Score, you could be eligible for up to $15,000.00
No additional details available.
As Low As
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
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As Low As
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As Low As; Loan amount and term are subject to credit approval. Must have an open Share Account to qualify.
As Low As; APR varies by term. Terms up to 5 years.
As Low As
As Low As
No additional details available.
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No additional details available.
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Up to $25,000**
No additional details available.
No additional details available.
No additional details available.
New Orleans, LA Personal Loan Rate Trends
Compare local New Orleans, 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 0.686 points over the past 7 days to 11.591% APR.
Louisiana signature loan rates fell 0.255 points over the past 7 days to 12.036% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Orleans, 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 New Orleans, 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 New Orleans, 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 New Orleans, Louisiana?
What are the best personal loan rates in New Orleans, Louisiana?
- Post Office Employees Credit Union: 4.75% (Consolidation Loan)
- Internal Revenue Federal Credit Union: 6.50% (Personal Loan)
- Keesler Federal Credit Union: 6.75% (Prime Rate Loan)
- Instep Credit Union: 7.25% (Lifestyle Loans)
- Campus Federal Credit Union: 7.75% (Lot Loan)
New Orleans, Louisiana Rates & Resources
Personal Loan Calculators
