Best Personal Loan Rates in Massachusetts (MA) - 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 Massachusetts include: 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, Selfreliance Federal Credit UnionSelfreliance Federal Credit Union103 N Elm St, Westfield, MA, 01085A5.0 ★Texas Ratio: 9.40% offering 2024 or Newer Loan at 4.89% APR, Pentucket BankPentucket Bank1 Merrimack St, Haverhill, MA, 01830A+5.0 ★Texas Ratio: 0.68% offering Credit Builder Loan at 5.00% APR, and First Citizens Federal Credit UnionFirst Citizens Federal Credit Union468 COUNTY ST, NEW BEDFORD, MA, 02740A+5.0 ★Texas Ratio: 2.19% offering Personal Loan at 5.00% APR. Personal loan rates as of May 22, 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: May 22, 2026
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As Low As
As Low As
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As Low As; Maximum of $1,500.00 up to 12 months
$1,500.00 Maximum
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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.
As Low As; with a Maximum Amount of $3,000.00 and a Term up to 12 Months
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As Low As
$2,000 Maximum
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As Low As
As Low As
30-Year Rates As Low As; Primary Residence
As Low As; Term: 24 months
As Low As; Terms from 36 to 84 months with Direct Deposit
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As Low As
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As Low As
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As Low As
As Low As
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
Must be paid in full by June 2027
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As Low As
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FIXED APR WITH AUTO PAY
As Low As
As Low As
As Low As; Maximum $5,000
As Low As
As Low As
As Low As
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As Low As
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
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As Low As
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As Low As; Starting at
As Low As; Maximum $10,000
As Low As
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As Low As
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As Low as
As Low As; Terms from 24 to 72 months with Direct Deposit
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As low as
As Low As
As Low As
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; Individual borrower limits subject to approval.; Longer terms available for qualified borrowers.; $10,000 Maximum Loan Limit for qualified borrowers.; All rates are subject to change without notice.
As Low As
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As Low As
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Call or Visit a Branch to Apply
As Low As
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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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As Low As
As Low As
As Low As
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As Low As
As Low As
As Low As
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As Low As
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; Individual borrower limits subject to approval.; Longer terms available for qualified borrowers.; $10,000 Maximum Loan Limit for qualified borrowers.; All rates are subject to change without notice.
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All closings will be in person at a Cape Cod 5 Banking Center
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As Low As
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As Low As
$5,000 Maximum
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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As Low As
As Low As
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As Low As
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up to $2500
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Max loan $10,000.
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As Low As; Up to $7,500.00 / 60 months; Over $7,500.00 can be taken for 72 months
As Low As
Up to 106.25% financing available for qualified members, terms available with certain restrictions and nominal rate increase
As Low As
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As Low As
Rate subject to credit <br/> approval
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One Signature - $5,000.00 Two Signatures - $10,000.00
One Signature - $5,000.00 Two Signatures - $10,000.00
Loan amounts up to $10,000
As Low As
As Low As
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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
As Low As
As Low As
As Low As
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FIXED APR WITH AUTO PAY
As Low As
As Low As
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As Low As
As Low As; Maximum $10,000
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As Low As; Starting at
As Low As; Terms from 24 to 72 months with Direct Deposit
As Low As
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As Low As
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As Low As
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As Low As
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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As Low As
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As Low As
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As Low As
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As Low As
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$5,000 Maximum
As Low As; Up to $7,500.00 / 60 months; Over $7,500.00 can be taken for 72 months
up to $2500
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.
As Low As
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Up to 106.25% financing available for qualified members, terms available with certain restrictions and nominal rate increase
As Low As
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As Low As
As Low As
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As Low As
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$15,000 Maximum
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As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; Individual borrower limits subject to approval.; Longer terms available for qualified borrowers.; $10,000 Maximum Loan Limit for qualified borrowers.; All rates are subject to change without notice.
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.; Individual borrower limits subject to approval.; Longer terms available for qualified borrowers.; $10,000 Maximum Loan Limit for qualified borrowers.; All rates are subject to change without notice.
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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 0.091 points over the past 7 days to 11.856% APR.
Massachusetts signature loan rates fell 0.034 points over the past 7 days to 11.019% 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)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Selfreliance Federal Credit Union: 4.89% (2024 or Newer Loan)
- Pentucket Bank: 5.00% (Credit Builder Loan)
- First Citizens Federal Credit Union: 5.00% (Personal Loan)
