Best Personal Loan Rates in New Orleans, 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 New Orleans, Louisiana include: Post Office Employees Credit UnionPost Office Employees Credit Union701 Loyola Ave, New Orleans, LA, 70113A+5.0 ★Texas Ratio: 1.01% offering PERSONAL LOANS at 4.75% APR, Internal Revenue Federal Credit UnionInternal Revenue Federal Credit Union1555 Poydras St, New Orleans, LA, 70112 3726A+5.0 ★Texas Ratio: 0.77% offering Personal Loan at 6.50% APR, Keesler Federal Credit UnionKeesler Federal Credit Union3700 Orleans Ave, New Orleans, LA, 70119A+5.0 ★Texas Ratio: 4.31% offering New Tractor Loans at 6.99% APR, Instep Credit UnionInstep Credit Union400 Russell Ave Bldg 509, New Orleans, LA, 70143 5077A5.0 ★Texas Ratio: 7.88% offering Lifestyle Loans at 7.25% APR, and Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS1726 Oretha Castle Haley Blvd, New Orleans, LA, 70113 1313A+5.0 ★Texas Ratio: 0.03% offering Unsecured / Signature at 7.50% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
New Orleans has 14 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: April 19, 2026
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No additional details available.
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$5,000 to $50,000
No additional details available.
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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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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.
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As Low As; Loan Amount: $25,000 or more
As Low As; Loan Amount: $25,000 or more
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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)
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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
As Low As
No additional details available.
No additional details available.
2.5% above rate earned on share/cd with a minimum rate of 4.5%
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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; 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; Maximum 90% of Appraised Value; Parishes approved for Property Loans are: Lafayette, St Landry, Vermillion, Acadia and St. Martin
Maximum Loan Amount: $20,000 - $29,999.99
No additional details available.
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Maximum Loan Amount: $30,000 - $39,999.99
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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As Low As; Up to $20,000. Terms based on loan amount. Exclusions and conditions apply.
No additional details available.
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No additional details available.
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Maximum Loan Amount: $50,000 - $59,999.99
up to 60 months
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Regular APR: 9-18%
max. 60 mo.
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No additional details available.
Maximum Loan Amount: $60,000 or more
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As Low As; Catch up on bills, home repairs, etc.
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As Low As; 12 months
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As Low As; Terms based on loan amount
As Low As; Need extra cash? Get a Personal Loan from La Cap!
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No additional details available.
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.
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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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Paper Grade A, Credit Score Range 720+
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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
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
Up To $20,000.00; Up to 60 months - 5 years
Up To $20,000.00; Up to 60 months - 5 years
No additional details available.
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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
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
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
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Up to $25,000**
No additional details available.
Paper Grade E, Credit Score Range 579 or less
No additional details available.
No additional details available.
As Low As; Short term, Small amount loans - Contact credit union for details.
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As Low As; Terms based on loan amount
As Low As; 12 months
As Low As; Need extra cash? Get a Personal Loan from La Cap!
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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
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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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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 60 months - 5 years
Up To $20,000.00; Up to 60 months - 5 years
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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
$5,000 to $50,000
As Low As; Up to $20,000. Terms based on loan amount. Exclusions and conditions apply.
No additional details available.
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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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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
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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; 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; Contact credit union for more details.
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Regular APR: 9-18%
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Up to $25,000**
No additional details available.
No additional details available.
Up to $25,000**
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 0.292 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 New Orleans, Louisiana?
What are the best personal loan rates in New Orleans, Louisiana?
- Post Office Employees Credit Union: 4.75% (PERSONAL LOANS)
- Internal Revenue Federal Credit Union: 6.50% (Personal Loan)
- Keesler Federal Credit Union: 6.99% (New Tractor Loans)
- Instep Credit Union: 7.25% (Lifestyle Loans)
- Hope Federal Credit Union Jackson, MS: 7.50% (Unsecured / Signature)
Personal Loan Calculators
