Best Personal Loan Rates in Worcester, 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 Worcester, Massachusetts include: Webster First Federal Credit UnionWebster First Federal Credit Union271 Greenwood St, Worcester, MA, 01607A+5.0 ★Texas Ratio: 2.22% offering Land Loan at 5.49% APR, Worcester Fire Dept Credit UnionWorcester Fire Dept Credit Union34 GLENNIE ST, WORCESTER, MA, 01605A+5.0 ★Texas Ratio: 2.02% offering Personal Loans at 8.75% APR, Workers Federal Credit UnionWorkers Federal Credit Union301 Grove St Ste 1, Worcester, MA, 01605A5.0 ★Texas Ratio: 9.04% offering Personal Loans at 9.49% APR, AllCom Credit UnionAllCom Credit Union36 Park Ave, Worcester, MA, 01609A+5.0 ★Texas Ratio: 0.24% offering Personal Loans Up to 12-Month Term at 9.99% APR, and IC Federal Credit UnionIC Federal Credit Union947 W Boylston St, Worcester, MA, 01606 1275A-5.0 ★Texas Ratio: 15.06% offering Freedom Loan at 9.99% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Worcester has 7 local institutions in our database, with personal loan rates as low as 5.49% APR from Webster First Federal Credit Union at 271 Greenwood St, Worcester, MA, 01607. 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 Worcester, Massachusetts.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Worcester, 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
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Max loan $10,000.
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Apply Now
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As Low As; Maximum of $1,500.00 up to 12 months
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
30-Year Rates As Low As
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Rates starting at 6.53% APR1
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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
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
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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; Maximum $2,400
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Up to $15,000
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Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate.
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$5,001.00 to $10,000.00
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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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Apply Online; 12 monthly payments of interest only. Followed by 108 payments of $13.81 per thousand advanced at 9.50% APR
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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
up to $2500; Subject to credit approval.
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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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One Signature - $5,000.00 Two Signatures - $10,000.00
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Up to $15,000
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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!
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; Various Terms Available
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$2501; Subject to credit approval.
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Starting At; ‡
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Up to $15,000
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Risk > 700; Maximum Amount: $10,000
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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
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FIXED APR WITH AUTO PAY
Up to $15,000
As Low As; Working on a project? Need to make a purchase? We can help!
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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
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.
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Estimated Payment Per $1,000: $25.36
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Up to $15,000
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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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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.
Worcester, MA Personal Loan Rate Trends
Compare local Worcester, 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 0.009 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 Worcester, Massachusetts?
What are the best personal loan rates in Worcester, Massachusetts?
- Webster First Federal Credit Union: 5.49% (Land Loan)
- Worcester Fire Dept Credit Union: 8.75% (Personal Loans)
- Workers Federal Credit Union: 9.49% (Personal Loans)
- AllCom Credit Union: 9.99% (Personal Loans Up to 12-Month Term)
- IC Federal Credit Union: 9.99% (Freedom Loan)
Personal Loan Calculators
