Best Personal Loan Rates in Massachusetts - 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 Massachusetts include: TrustCo BankTrustCo Bank5 Cheshire Rd, Pittsfield, MA, 01201A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Southcoast Federal Credit UnionSouthcoast Federal Credit Union101 Page St, New Bedford, MA, 02740A+5.0 ★Texas Ratio: 1.57% offering Seasonal Special - 11 month term Loan at 4.00% APR, Taupa Lithuanian Federal Credit UnionTaupa Lithuanian Federal Credit Union368 W Broadway, South Boston, MA, 02127 2272A+5.0 ★Texas Ratio: 0.50% offering Floor rate Loan at 4.00% APR, Mass Bay Credit UnionMass Bay Credit Union1250 Hancock St, Quincy, MA, 02169A+5.0 ★Texas Ratio: 5.58% offering New < 25K miles Loan at 4.49% APR, and Attleboro Municipal Employees Federal Credit UnionAttleboro Municipal Employees Federal Credit Union138 S Main St, Attleboro, MA, 02703 3909A+5.0 ★Texas Ratio: 0.00% offering 2026 - 2027 Loan at 4.50% 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 Massachusetts side-by-side. Massachusetts personal loan rates currently start as low as 4.00% APR from TrustCo Bank at 5 Cheshire Rd, Pittsfield, MA, 01201. 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 Massachusetts.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Massachusetts. 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
Massachusetts Personal Loan Rates
No additional details available.
Credit Score: 700-719
No additional details available.
No additional details available.
100% or up to 125% Financing & VSI/$125,000 Maximum
Credit Score: 680-699
No additional details available.
No additional details available.
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions.
100% or up to 125% Financing & VSI/$125,000 Maximum
No additional details available.
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions.
No additional details available.
100% or up to 125% Financing & VSI/$125,000 Maximum
Credit Score: 660-679
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Offer valid on auto loans originated on or after January 1, 2026. To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions.
$50,000; As low as; up to 9.24%
No additional details available.
Credit Score: 640-659
No additional details available.
No additional details available.
Rates shown include .25% discount with Auto Pay from an IC Account.
Rates shown include .25% discount with Auto Pay from an IC Account.
Annual Percentage Rate is with automatic payment from an FRMCU checking account. Rate quoted is for a 5 year term and for applicants with best credit score, based on individual credit worthiness and subject to change without notice. FRMCU must be in first lien position on property. Other rates and terms available. Cannot be combined with any other offer. Other restrictions may apply.
As Low As
No additional details available.
Fixed Rates as low as; Thereafter Variable at Prime Rate Minus 1.00%
No additional details available.
No additional details available.
No additional details available.
84 monthly payments of $5.84, 276 monthly payments of $6.99
$50,000; As low as; up to 9.49%
$50,000; As low as; up to 9.74%
No additional details available.
Rates shown include .25% discount with Auto Pay from an IC Account.
Rates shown include .25% discount with Auto Pay from an IC Account.
Model Year: 2026
Model Year: 2023-2026
No additional details available.
Credit & Promotional Rates applied
No additional details available.
No additional details available.
Credit Score: 620-639
$2,000 Maximum
No additional details available.
60 monthly payments of $5.60, 300 monthly payments of $6.91
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.
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36 monthly payments of $5.76, 324 monthly payments of $7.08
Model Year: 2023-2026
As Low As
$50,000; As low as; up to 9.99%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Model Year: 2023-2026
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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As Low As
As Low As
APR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
As Low As
No additional details available.
Credit Score: < 619
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APRs as low as 6.53%3; Loans up to $75,000; Origination/processing fee ranges from 0.00% to 8.00% of the loan amount; APR ranges from 5.96% APR to 35.99% APR; A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $27,198 for a term of 36 months, with an interest rate of 14.49% and a 6% origination fee of $1,632, for an APR of 18.91%. In this example, the borrower will receive $25,566 and will make 36 monthly payments of $936.
No additional details available.
No additional details available.
APR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
No additional details available.
Model Year: 2020-2022
As Low As
As Low As
No additional details available.
No additional details available.
Starting at
No additional details available.
No additional details available.
Fully Indexed Rate: 6.750%
Rates as low as; 1
No additional details available.
Model Year: 2020-2022
As Low As; Break free from debt
As Low As
Platinum; 740+
No additional details available.
As Low As
As Low As
Rate based on FICO score: 700 or more. **
Credit & Promotional Rates applied
No additional details available.
Borrow up to $2500
No additional details available.
No additional details available.
APR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
Fully Indexed Rate: 6.750%
No additional details available.
Fully Indexed Rate: 6.750%
Up to 72 months only
Fully Indexed Rate: 6.750%
Fully Indexed Rate: 6.750%
Model Year: 2020-2022
Fully Indexed Rate: 6.750%
No additional details available.
As Low As; Number of Signatures: 1
As Low As; Maximum $5,000
No additional details available.
No additional details available.
As Low As
or 10.0% APR*; Up to 106.25% financing available for qualified members, terms available with certain restrictions and nominal rate increase; Rates are Annual Percentage Rate (APR); Rates and terms are subject to change without notice; Rates are based on the term of loan and credit history
As Low As
APR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. APR = Annual Percentage Rate. APRs are based upon member's credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance.
As Low As
As Low As
A; 720-739
No additional details available.
As Low As; Maximum $10,000
Rate based on FICO score: 650-699. **
No additional details available.
Annual Percentage Rate
No additional details available.
Per Collateral Review
No additional details available.
Rates Starting At:; APR*
As Low as; Maximum $3,000
No additional details available.
No additional details available.
As low as*; Maximum $2,400
Massachusetts Personal Loan Rates
No additional details available.
APRs as low as 6.53%3; Loans up to $75,000; Origination/processing fee ranges from 0.00% to 8.00% of the loan amount; APR ranges from 5.96% APR to 35.99% APR; A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $27,198 for a term of 36 months, with an interest rate of 14.49% and a 6% origination fee of $1,632, for an APR of 18.91%. In this example, the borrower will receive $25,566 and will make 36 monthly payments of $936.
As Low As
Rate based on FICO score: 700 or more. **
or 10.0% APR*; Up to 106.25% financing available for qualified members, terms available with certain restrictions and nominal rate increase; Rates are Annual Percentage Rate (APR); Rates and terms are subject to change without notice; Rates are based on the term of loan and credit history
As Low As
As Low As; Number of Signatures: 1
As Low As
No additional details available.
Annual Percentage Rate
As Low As; Maximum $10,000
Rate based on FICO score: 650-699. **
No additional details available.
Massachusetts Debt Consolidation Loan Rates
No additional details available.
No additional details available.
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Massachusetts Signature Loan Rates
Massachusetts Personal Loan Rate Trends
Compare local Massachusetts 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.
Massachusetts personal loan rates rose 0.366 points over the past 7 days to 11.988% APR.
Massachusetts signature loan rates rose 0.127 points over the past 7 days to 11.313% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Massachusetts 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 Massachusetts 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 Massachusetts. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MA.
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 Massachusetts?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Massachusetts?
Are credit unions or banks better for personal loans in Massachusetts?
What are the best personal loan rates in Massachusetts?
- TrustCo Bank: 4.00% (Passbook Loan)
- Southcoast Federal Credit Union: 4.00% (Seasonal Special - 11 month term Loan)
- Taupa Lithuanian Federal Credit Union: 4.00% (Floor rate Loan)
- Mass Bay Credit Union: 4.49% (New < 25K miles Loan)
- Attleboro Municipal Employees Federal Credit Union: 4.50% (2026 - 2027 Loan)
