Best Personal Loan Rates in Newton Lower Falls, 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 Newton Lower Falls, Massachusetts include: TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Somerville School Employees Federal Credit UnionSomerville School Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.27% offering Any Good Purpose Loan at 4.50% APR, Southcoast Federal Credit UnionSouthcoast Federal Credit UnionA+5.0 ★Texas Ratio: 1.60% offering Debt Consolidation Program at 4.99% APR, and First Citizens Federal Credit UnionFirst Citizens Federal Credit UnionA+5.0 ★Texas Ratio: 2.23% offering Personal Loan at 5.00% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Newton Lower Falls borrowers have access to 68 lenders serving the Massachusetts area, with personal loan rates as low as 4.00% APR from TrustCo Bank. 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 Newton Lower Falls, Massachusetts.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Newton Lower Falls, 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 11, 2026
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As Low As
As Low As
Maximum Amount: 10,000; Platinum 740+
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$5,000
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As Low As; Maximum of $1,500.00 up to 12 months
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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.
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As Low As
$5,000
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$2,000 Maximum
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Up to $5,000
As Low As; Primary Residence
As Low As
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As Low As; Member must qualify for the rate. Featured rate includes 0.25% for payroll deducted payment. Borrow $10,000 for 1 Year, Pay $86.41 per $1,000 borrowed. Cannot be used to pay off existing Alpha CU debt. Special available for a limited time.
As Low As; Terms from 36 to 84 months with Direct Deposit
As Low As
As Low As
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Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
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As Low As; Term: 24 months
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Vacation Loans up to $2500 @ 7% from June 1 to August 31. Must be paid in full by the following June.
$5,000
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Up to $5,000
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As Low As; Number of Signatures: 1
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As Low As; Maximum $5,000
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As Low As
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As Low As; Available until May 31, 2026
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FIXED APR WITH AUTO PAY
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
As Low As
Amount: One Signature - $5,000.00; Two Signatures - $10,000.00
As Low As
Up to $15,000
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As Low As; Maximum $10,000
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As Low As
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Up to $5,000
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As Low As
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Savings Secured
As Low as; Maximum $3,000
As Low As; Terms from 24 to 72 months with Direct Deposit
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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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As low as; Maximum $2,400
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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.
Up to $15,000
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As Low As
As Low As; From April 1 to May 31
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$5,001.00 to $10,000.00
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As Low As
All closings will be in person at a Cape Cod 5 Banking Center
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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$5,000 Maximum
$15,000; As Low As
As Low As; Maximum Loan Amount: $12,500
As Low As; Up to $7,500.00 / 60 months; Over $7,500.00 can be taken for 72 months
As Low As; From February 1 to April 15
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3.00% above the APY of the account securing the loan, whichever is greater
As Low As
As Low As
As Low As
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As Low As
As Low As; Number of Signatures: 1
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FIXED APR WITH AUTO PAY
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
Up to $15,000
As Low As
As Low As; Maximum $10,000
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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
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As Low As
Up to $15,000
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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$5,000 Maximum
As Low As; Maximum Loan Amount: $12,500
As Low As; Up to $7,500.00 / 60 months; Over $7,500.00 can be taken for 72 months
Maximum Amount: 10,000; Platinum 740+
As Low As
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As Low As
$15,000; 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.
Newton Lower Falls, MA Personal Loan Rate Trends
Compare local Newton Lower Falls, 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 rose 0.777 points over the past 7 days to 11.859% APR.
Massachusetts signature loan rates rose 0.133 points over the past 7 days to 11.071% 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 Newton Lower Falls, Massachusetts?
What are the best personal loan rates in Newton Lower Falls, Massachusetts?
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Somerville School Employees Federal Credit Union: 4.50% (Any Good Purpose Loan)
- Southcoast Federal Credit Union: 4.99% (Debt Consolidation Program)
- First Citizens Federal Credit Union: 5.00% (Personal Loan)
Newton Lower Falls, Massachusetts Rates & Resources
Personal Loan Calculators
