Best Personal Loan Rates in Massachusetts - June 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: 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, TrustCo BankTrustCo Bank5 Cheshire Rd, Pittsfield, MA, 01201A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit Union100 Boston Scientific Way, Marlborough, MA, 01752A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, Pentucket BankPentucket Bank1 Merrimack St, Haverhill, MA, 01830A+5.0 ★Texas Ratio: 0.68% offering Credit Builder Loan at 5.00% APR, and Newburyport BankNewburyport Bank63 State St, Newburyport, MA, 01950A5.0 ★Texas Ratio: 8.70% offering Credit Building - A Loan to Help Rebuild Your Credit at 5.00% APR. Personal loan rates as of June 11, 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 Taupa Lithuanian Federal Credit Union at 368 W Broadway, South Boston, MA, 02127 2272. 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: June 11, 2026
Massachusetts Personal Loan Rates
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MINIMUM & MAXIMUM LOAN AMOUNT: $600-$2,500
Minimum & maximum loan amount: $600-$2,500
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Rates shown include .25% discount with Auto Pay from an IC Account.
Rates shown include .25% discount with Auto Pay from an IC Account.
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Rates shown include .25% discount with Auto Pay from an IC Account.
Rates shown include .25% discount with Auto Pay from an IC Account.
As Low As
As Low As; Annual Percentage Rate is with automatic payment from an FRMCU checking account. Rate quoted is 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.
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As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount.
As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of 05/15/2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
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As Low As; with a Maximum Amount of $3,000.00 and a Term up to 12 Months
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$2,000 Maximum
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30-Year Rates As Low As; Primary Residence
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As Low As; Terms from 36 to 84 months with Direct Deposit
As Low As APR*
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As Low As; 1
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Borrow up to $2500. Beginning June 1 to Aug 31, 2026.
As Low As
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FIXED APR WITH AUTO PAY; Advertised Annual Percentage Rate accurate as of 4/20/2026 and are subject to change without notice. 7.49% APR available to qualified borrowers: 1). Requesting a minimum loan amount of $2,000; 2) With a bank-obtained credit score of at least 700; 3). Who have an eligible CBNA checking account (Includes: CBNA Carefree Checking, Premium Checking, or 50 Direct Checking); AND 4). With autopay from an eligible CBNA checking account. Maximum Loan Term is 60 months. Minimum Period for Repayment: 12 Months. Credit scores below 700 can range up to a maximum APR of 16.00% (rate without eligible CBNA checking account discount and without autopay discount). No origination fee, No Pre-payment penalty fee. For example, a 60-month $15,000 unsecured loan with an 7.49% interest rate would have 60 scheduled monthly payments of approximately $300.56. All loan applications are subject to credit approval and offered loan terms are dependent upon requested loan amount, loan term, credit score, credit history, and other factors. Other terms and conditions may apply. Call for details.
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As Low As; Maximum $5,000
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As Low As; Maximum $10,000
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As Low As; Terms from 24 to 72 months with Direct Deposit
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Savings Secured
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Call or Visit a Branch to Apply | Rates Starting At: *
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As Low As; Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Membership eligibility is required.
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Up To $10,000; Pay vendors
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As Low As; APR* = Annual Percentage rates are determined by your personal credit history. Rates quoted are for members with the best credit score. Other rates are available.
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Rates Starting At: *
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Apply Online; All closings will be in person at a Cape Cod 5 Banking Center
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Massachusetts Personal Loan Rates
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As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount.
As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of 05/15/2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
As Low As; with a Maximum Amount of $3,000.00 and a Term up to 12 Months
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FIXED APR WITH AUTO PAY; Advertised Annual Percentage Rate accurate as of 4/20/2026 and are subject to change without notice. 7.49% APR available to qualified borrowers: 1). Requesting a minimum loan amount of $2,000; 2) With a bank-obtained credit score of at least 700; 3). Who have an eligible CBNA checking account (Includes: CBNA Carefree Checking, Premium Checking, or 50 Direct Checking); AND 4). With autopay from an eligible CBNA checking account. Maximum Loan Term is 60 months. Minimum Period for Repayment: 12 Months. Credit scores below 700 can range up to a maximum APR of 16.00% (rate without eligible CBNA checking account discount and without autopay discount). No origination fee, No Pre-payment penalty fee. For example, a 60-month $15,000 unsecured loan with an 7.49% interest rate would have 60 scheduled monthly payments of approximately $300.56. All loan applications are subject to credit approval and offered loan terms are dependent upon requested loan amount, loan term, credit score, credit history, and other factors. Other terms and conditions may apply. Call for details.
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As Low As; Maximum $10,000
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As Low As; Terms from 24 to 72 months with Direct Deposit
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As Low As; Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Membership eligibility is required.
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Massachusetts Debt Consolidation Loan Rates
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As Low As; Monthly Payment Per $1,000 Borrowed: $87.92 (based on a 12 month term)
As Low As; Monthly Payment Per $1,000 Borrowed: $32.23 (based on a 37 month term)
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Rates as low as APR1
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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 fell 0.262 points over the past 7 days to 11.759% APR.
Massachusetts signature loan rates rose 0.073 points over the past 7 days to 11.075% 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?
- Taupa Lithuanian Federal Credit Union: 4.00% (Floor rate Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Pentucket Bank: 5.00% (Credit Builder Loan)
- Newburyport Bank: 5.00% (Credit Building - A Loan to Help Rebuild Your Credit)
