Best Personal Loan Rates in Boston, Massachusetts (MA) - 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 Boston, Massachusetts include: Hanscom Federal Credit UnionHanscom Federal Credit Union495 Summer St, Boston, MA, 02210A+5.0 ★Texas Ratio: 3.74% offering VA Loans at 6.30% APR, LendingClubLendingClub1 Harbor St, Boston, MA, 02210A5.0 ★Texas Ratio: 6.13% offering Personal Loans at 6.53% APR, Boston Customs Federal Credit UnionBoston Customs Federal Credit Union10 Causeway St Rm 436, Boston, MA, 02222 1051A+5.0 ★Texas Ratio: 3.37% offering Personal Loans at 10.00% APR, First Priority Credit Union Boston, MAFirst Priority Credit Union Boston, MA25 DORCHESTER AVE, BOSTON, MA, 02205A+5.0 ★Texas Ratio: 2.69% offering Unsecured Personal Loan 1 Year Term at 10.99% APR, and TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Boston has 4 local institutions in our database, with personal loan rates as low as 6.30% APR from Hanscom Federal Credit Union at 495 Summer St, Boston, MA, 02210. 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 Boston, Massachusetts.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Boston, 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: April 27, 2026
30-Year Rates As Low As
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Rates starting at 6.53% APR1
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APR ranges from 6.53% 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 January 7, 2026, are subject to change without notice, and may not be available for all Personal Loan products.
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Apply Now
As Low As; Maximum of $1,500.00 up to 12 months
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or 3.00% above the APY of the account securing the loan, whichever is greater
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As Low As; Annual Percentage Rate is with automatic payment from an FRMCU checking account. Payment per $1,000 is $19.18. 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; Maximum Amount of $3,000.00
$2,000 Maximum
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Up to $5,000
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As Low As; Terms from 36 to 84 months with Direct Deposit
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Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
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Up to $5,000
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As Low As; Hang up on Credit Card debt once and for all with help from Norfolk Credit Union! -Call the credit union for details at 508-528-3360
As Low As; $10,000
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FIXED APR WITH AUTO PAY
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Up to $15,000
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
As Low As; Working on a project? Need to make a purchase? We can help!
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Starting at
Up to $5,000
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As Low as; Maximum $3,000
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; Maximum $2,400
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Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate.
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Up to $15,000
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$5,001.00 to $10,000.00
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Apply Online; 12 monthly payments of interest only. Followed by 108 payments of $13.81 per thousand advanced at 9.50% APR
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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Apply in person at a Cape Cod 5 Banking Center; 84 monthly payments of $16.47 per $1,000 advanced at 9.75% APR
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$5,000 Maximum
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up to $2500; Subject to credit approval.
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Max loan $10,000.
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Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate.
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As Low As; Up to $7,500.00 / 60 months; Over $7,500.00 can be taken for 72 months
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Estimated Payment Per $1,000: $25.36
Rate subject to credit approval
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Up to $15,000
One Signature - $5,000.00 Two Signatures - $10,000.00
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$5,001.00 to $10,000.00
One Signature - $5,000.00 Two Signatures - $10,000.00
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As Low As; 10.50
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As Low As; Apply for a Personal Loan today!
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As Low As; Various Terms Available
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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.
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$2501; Subject to credit approval.
Starting At; ‡
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Up to $15,000
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Risk > 700; Maximum Amount: $10,000
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APR ranges from 6.53% 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 January 7, 2026, are subject to change without notice, and may not be available for all Personal Loan products.
or 3.00% above the APY of the account securing the loan, whichever is greater
As Low As; Maximum Amount of $3,000.00
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As Low As; $10,000
FIXED APR WITH AUTO PAY
Up to $15,000
As Low As; Working on a project? Need to make a purchase? We can help!
No additional details available.
Starting at
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Up to $15,000
Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate.
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$5,000 Maximum
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As Low As; Up to $7,500.00 / 60 months; Over $7,500.00 can be taken for 72 months
Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate.
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up to $2500; Subject to credit approval.
Up to $15,000
No additional details available.
No additional details available.
Estimated Payment Per $1,000: $25.36
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As Low As; Various Terms Available
As Low As; Apply for a Personal Loan today!
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Starting At; ‡
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$2501; Subject to credit approval.
Up to $15,000
No additional details available.
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No additional details available.
Rates starting at 6.53% APR1
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As Low As; Hang up on Credit Card debt once and for all with help from Norfolk Credit Union! -Call the credit union for details at 508-528-3360
No additional details available.
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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.
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.
Boston, MA Personal Loan Rate Trends
Compare local Boston, MA 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 0.022 points over the past 7 days to 11.811% APR.
Massachusetts signature loan rates fell 0.052 points over the past 7 days to 11.168% APR.
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 Boston, Massachusetts?
What are the best personal loan rates in Boston, Massachusetts?
- Hanscom Federal Credit Union: 6.30% (VA Loans)
- LendingClub: 6.53% (Personal Loans)
- Boston Customs Federal Credit Union: 10.00% (Personal Loans)
- First Priority Credit Union Boston, MA: 10.99% (Unsecured Personal Loan 1 Year Term)
- TrustCo Bank: 4.00% (Passbook Loan)
Personal Loan Calculators
