Best Personal Loan Rates in Lincoln, Nebraska (NE) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Nebraska borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Lincoln, Nebraska include: Liberty First Credit UnionLiberty First Credit Union501 N 46th St, Lincoln, NE, 68503 3718A5.0 ★Texas Ratio: 6.97% offering Fixed, 80% Loan to Value at 5.75% APR, Cobalt Federal Credit UnionCobalt Federal Credit Union2801 N 86th St, Lincoln, NE, 68507 3447A5.0 ★Texas Ratio: 6.75% offering Used 2022 - 2021 Loyalty Loan at 6.04% APR, Sun Pacific Federal Credit UnionSun Pacific Federal Credit Union1345 Old Cheney Rd, Lincoln, NE, 68512 1266A+5.0 ★Texas Ratio: 3.58% offering Personal/Unsecured Loan at 7.99% APR, University of Nebraska Federal Credit UnionUniversity of Nebraska Federal Credit Union1720 P St, Lincoln, NE, 68508A+5.0 ★Texas Ratio: 3.65% offering Personal Loan at 10.99% APR, and Lincoln SDA Credit UnionLincoln SDA Credit Union4733 Prescott Ave, Lincoln, NE, 68506 5456A+5.0 ★Texas Ratio: 5.05% offering Personal Loans at 11.50% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Lincoln has 7 local institutions in our database, with personal loan rates as low as 5.75% APR from Liberty First Credit Union at 501 N 46th St, Lincoln, NE, 68503 3718. 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 Lincoln, Nebraska.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lincoln, Nebraska. 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 23, 2026
Lincoln Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Liberty First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
501 N 46th St, Lincoln, NE, 68503 3718
Fixed, 80% Loan to Value
5.75%
▼
APR5.75%
Last UpdatedMay 28, 2026
Details
No additional details available.
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2022 - 2021 Loyalty Loan
6.04%
▼
APR6.04%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2020 - 2018 Loyalty Loan
6.14%
▼
APR6.14%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2021 - 2020 Loyalty Loan
6.14%
▼
APR6.14%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2021 - 2020 Loyalty Loan
6.24%
▼
APR6.24%
Last UpdatedMay 28, 2026
Details
As Low As
Liberty First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
501 N 46th St, Lincoln, NE, 68503 3718
Fixed, 80% Loan to Value
6.25%
▼
APR6.25%
Last UpdatedMay 28, 2026
Details
No additional details available.
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2019 - 2017 Loyalty Loan
6.29%
▼
APR6.29%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2019 - 2017 Loyalty Loan
6.54%
▼
APR6.54%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2022 - 2021 Loan
6.54%
▼
APR6.54%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2020 - 2018 Loan
6.64%
▼
APR6.64%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2021 - 2020 Loan
6.64%
▼
APR6.64%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2021 - 2020 Loan
6.74%
▼
APR6.74%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2019 - 2017 Loan
6.79%
▼
APR6.79%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2019 - 2017 Loan
7.04%
▼
APR7.04%
Last UpdatedMay 28, 2026
Details
As Low As
Liberty First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
501 N 46th St, Lincoln, NE, 68503 3718
Personal Loans
7.68%
▼
APR7.68%
Last UpdatedMay 28, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Personal/Unsecured Loan
7.99%
▼
APR7.99%
Last UpdatedMay 28, 2026
Details
(Fixed)
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2017 and older Loyalty Loan
7.99%
▼
APR7.99%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2017 and older Loyalty Loan
8.04%
▼
APR8.04%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2017 and older Loan
8.49%
▼
APR8.49%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2017 and older Loan
8.54%
▼
APR8.54%
Last UpdatedMay 28, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Pinnacle Gold (Risk Grade A Loan
8.79%
▼
APR8.79%
Last UpdatedMay 28, 2026
Details
Fixed
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2017 and older Loyalty Loan
9.69%
▼
APR9.69%
Last UpdatedMay 28, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2017 and older Loan
10.19%
▼
APR10.19%
Last UpdatedMay 28, 2026
Details
As Low As
University of Nebraska Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
1720 P St, Lincoln, NE, 68508
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 28, 2026
Details
As Low As
Lincoln SDA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
4733 Prescott Ave, Lincoln, NE, 68506 5456
Personal Loans
11.50%
▼
APR11.50%
Last UpdatedMay 28, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Elite Gold (Risk Grade A) Loan
11.95%
▼
APR11.95%
Last UpdatedMay 28, 2026
Details
Fixed
MembersOwn Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1391 S 33rd St, Lincoln, NE, 68510 4508
Personal Installment
12.60%
▼
APR12.60%
Last UpdatedMay 28, 2026
Details
No additional details available.
MembersOwn Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1391 S 33rd St, Lincoln, NE, 68510 4508
Personal Installment
13.10%
▼
APR13.10%
Last UpdatedMay 28, 2026
Details
No additional details available.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
SP Gold (Risk Grade B) Loan
13.57%
▼
APR13.57%
Last UpdatedMay 28, 2026
Details
Fixed
Lincoln Public School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
5621 N St, Lincoln, NE, 68510
Debt Consolidation Loan
14.40%
▼
APR14.40%
Last UpdatedMay 28, 2026
Details
Payroll deduction or ACH
Lincoln Public School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
5621 N St, Lincoln, NE, 68510
Debt Consolidation Loan
15.40%
▼
APR15.40%
Last UpdatedMay 28, 2026
Details
No additional details available.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Elite Classic (Risk Grade C) Loan
16.85%
▼
APR16.85%
Last UpdatedMay 28, 2026
Details
Fixed
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
SP Classic (Risk Grade D) Loan
17.79%
▼
APR17.79%
Last UpdatedMay 28, 2026
Details
Fixed
MembersOwn Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1391 S 33rd St, Lincoln, NE, 68510 4508
QuickCASH loan
18.00%
▼
APR18.00%
Last UpdatedMay 28, 2026
Details
$20 processing fee
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Emergency Loan
28.00%
▼
APR28.00%
Last UpdatedMay 28, 2026
Details
(Fixed)
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
100% NADA Retail Loan
5.00%
▼
APR5.00%
Last UpdatedMay 28, 2026
Details
A+
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
100% NADA Retail Loan
5.25%
▼
APR5.25%
Last UpdatedMay 28, 2026
Details
A
Chadron Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.10%
Recreational Loan
5.50%
▼
APR5.50%
Last UpdatedMay 28, 2026
Details
As Low As
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
4-H Loans
5.75%
▼
APR5.75%
Last UpdatedMay 28, 2026
Details
Up To $4000.00
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2022 to 2014 Loan
5.75%
▼
APR5.75%
Last UpdatedMay 28, 2026
Details
No additional details available.
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
100% NADA Retail Loan
6.00%
▼
APR6.00%
Last UpdatedMay 28, 2026
Details
B
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
and Over Loan
6.00%
▼
APR6.00%
Last UpdatedMay 28, 2026
Details
$18,000; A+
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
and over Loan
6.75%
▼
APR6.75%
Last UpdatedMay 28, 2026
Details
$30,000; A+
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedMay 28, 2026
Details
As Low As
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
and Over Loan
7.25%
▼
APR7.25%
Last UpdatedMay 28, 2026
Details
$18,000; A
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
2013 - Prior Loan
7.25%
▼
APR7.25%
Last UpdatedMay 28, 2026
Details
No additional details available.
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
and over Loan
7.75%
▼
APR7.75%
Last UpdatedMay 28, 2026
Details
$30,000; A
Central Nebraska Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedMay 28, 2026
Details
As Low As; Maximum Limit $5000.00
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
and Over Loan
8.25%
▼
APR8.25%
Last UpdatedMay 28, 2026
Details
$18,000; B
Neighborhood Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Unsecured Closed End Loan
8.45%
▼
APR8.45%
Last UpdatedMay 28, 2026
Details
No additional details available.
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Unsecured
8.49%
▼
APR8.49%
Last UpdatedMay 28, 2026
Details
Credit Score Ranking A & B
Meadow Grove Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
College Loan
8.50%
▼
APR8.50%
Last UpdatedMay 28, 2026
Details
/ $10,000
Roberts Dairy Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Personal Loan max)
9.00%
▼
APR9.00%
Last UpdatedMay 28, 2026
Details
$7000
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Personal Lines Of Credit Loan
9.00%
▼
APR9.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 28, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Unsecured Loan
9.24%
▼
APR9.24%
Last UpdatedMay 28, 2026
Details
As Low As; ($10,000 Maximum)
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Unsecured - MIS Loan
9.25%
▼
APR9.25%
Last UpdatedMay 28, 2026
Details
40% Debt Ratio - $2,500
Neighborhood Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Personal Loan
9.45%
▼
APR9.45%
Last UpdatedMay 28, 2026
Details
No additional details available.
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Signature Loan
9.49%
▼
APR9.49%
Last UpdatedMay 28, 2026
Details
No additional details available.
Chadron Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.10%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 28, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMay 28, 2026
Details
As Low As
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMay 28, 2026
Details
No additional details available.
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Personal Loan max)
10.00%
▼
APR10.00%
Last UpdatedMay 28, 2026
Details
$7000
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMay 28, 2026
Details
As Low As
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
100% NADA Retail Loan
10.25%
▼
APR10.25%
Last UpdatedMay 28, 2026
Details
C
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
Personal (Unsecured) Loan
10.25%
▼
APR10.25%
Last UpdatedMay 28, 2026
Details
$5,000 Max
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMay 28, 2026
Details
No additional details available.
North Platte Union Pacific Employee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Personal Loan For 2 Years
10.75%
▼
APR10.75%
Last UpdatedMay 28, 2026
Details
2 Years (24 Months)
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedMay 28, 2026
Details
As Low As
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
and Over Loan
11.00%
▼
APR11.00%
Last UpdatedMay 28, 2026
Details
$18,000; C
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
Personal Loans (Unsecured)
11.24%
▼
APR11.24%
Last UpdatedMay 28, 2026
Details
As Low As
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
Personal (Unsecured) Loan
11.25%
▼
APR11.25%
Last UpdatedMay 28, 2026
Details
$5,000 Max
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
Personal Loans (Unsecured)
11.49%
▼
APR11.49%
Last UpdatedMay 28, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.07%
Personal Installment Loan
11.50%
▼
APR11.50%
Last UpdatedMay 28, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
Personal Loans (Unsecured)
11.74%
▼
APR11.74%
Last UpdatedMay 28, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
11.75%
▼
APR11.75%
Last UpdatedMay 28, 2026
Details
As Low As
Northeast Nebraska Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Unsecured Loan
11.99%
▼
APR11.99%
Last UpdatedMay 28, 2026
Details
No additional details available.
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Signature Loan - Large
12.00%
▼
APR12.00%
Last UpdatedMay 28, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.07%
Credit Builder Loan
12.00%
▼
APR12.00%
Last UpdatedMay 28, 2026
Details
As Low As
Meadow Grove Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured Loan
12.00%
▼
APR12.00%
Last UpdatedMay 28, 2026
Details
Up to 2 months gross salary with B credit
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
Personal Loans (Unsecured)
12.24%
▼
APR12.24%
Last UpdatedMay 28, 2026
Details
As Low As
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
100% NADA Retail Loan
12.25%
▼
APR12.25%
Last UpdatedMay 28, 2026
Details
D
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
and Over Loan
12.50%
▼
APR12.50%
Last UpdatedMay 28, 2026
Details
$18,000; D
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Unsecured
12.99%
▼
APR12.99%
Last UpdatedMay 28, 2026
Details
Credit Score Ranking C & D
Northeast Nebraska Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Unsecured Loan
12.99%
▼
APR12.99%
Last UpdatedMay 28, 2026
Details
No additional details available.
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Signature Loan - Small
13.00%
▼
APR13.00%
Last UpdatedMay 28, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.07%
Budget Affordable Loan
13.00%
▼
APR13.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
13.75%
▼
APR13.75%
Last UpdatedMay 28, 2026
Details
As Low As
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
Personal (Unsecured) Loan
14.25%
▼
APR14.25%
Last UpdatedMay 28, 2026
Details
$5,000 Max
Northeast Nebraska Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Unsecured Loan
14.49%
▼
APR14.49%
Last UpdatedMay 28, 2026
Details
No additional details available.
Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
Unsecured Loan
15.25%
▼
APR15.25%
Last UpdatedMay 28, 2026
Details
Base rate
Meadow Grove Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured Loan
16.00%
▼
APR16.00%
Last UpdatedMay 28, 2026
Details
Up to 2 months gross salary with B credit
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
Personal (Unsecured) Loan
16.25%
▼
APR16.25%
Last UpdatedMay 28, 2026
Details
$5,000 Max
Northeast Nebraska Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Unsecured Loan
16.99%
▼
APR16.99%
Last UpdatedMay 28, 2026
Details
No additional details available.
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Personal Lines Of Credit Loan
17.00%
▼
APR17.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
Box Butte Public Employees Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.64%
Personal (Unsecured) Loan
17.25%
▼
APR17.25%
Last UpdatedMay 28, 2026
Details
$5,000 Max
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Short-Term Unsecured
18.00%
▼
APR18.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
18.00%
▼
APR18.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
Northeast Nebraska Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Unsecured Loan
18.00%
▼
APR18.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.07%
Fast Fund Loan
18.00%
▼
APR18.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
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Lincoln Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Liberty First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
501 N 46th St, Lincoln, NE, 68503 3718
Personal Loans
7.68%
▼
APR7.68%
Last UpdatedMay 28, 2026
Details
As Low As
University of Nebraska Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
1720 P St, Lincoln, NE, 68508
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 28, 2026
Details
As Low As
Lincoln SDA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
4733 Prescott Ave, Lincoln, NE, 68506 5456
Personal Loans
11.50%
▼
APR11.50%
Last UpdatedMay 28, 2026
Details
As Low As
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 28, 2026
Details
As Low As
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Personal Loan max)
9.00%
▼
APR9.00%
Last UpdatedMay 28, 2026
Details
$7000
Neighborhood Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Personal Loan
9.45%
▼
APR9.45%
Last UpdatedMay 28, 2026
Details
No additional details available.
Chadron Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.10%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 28, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMay 28, 2026
Details
As Low As
Consumers Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Personal Loan max)
10.00%
▼
APR10.00%
Last UpdatedMay 28, 2026
Details
$7000
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMay 28, 2026
Details
As Low As
North Platte Union Pacific Employee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Personal Loan For 2 Years
10.75%
▼
APR10.75%
Last UpdatedMay 28, 2026
Details
2 Years (24 Months)
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedMay 28, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
Personal Loans (Unsecured)
11.24%
▼
APR11.24%
Last UpdatedMay 28, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
Personal Loans (Unsecured)
11.49%
▼
APR11.49%
Last UpdatedMay 28, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
Personal Loans (Unsecured)
11.74%
▼
APR11.74%
Last UpdatedMay 28, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
11.75%
▼
APR11.75%
Last UpdatedMay 28, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
Personal Loans (Unsecured)
12.24%
▼
APR12.24%
Last UpdatedMay 28, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
13.75%
▼
APR13.75%
Last UpdatedMay 28, 2026
Details
As Low As
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Personal Loan
18.00%
▼
APR18.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
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Lincoln Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Lincoln Public School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
5621 N St, Lincoln, NE, 68510
Debt Consolidation Loan
14.40%
▼
APR14.40%
Last UpdatedMay 28, 2026
Details
Payroll deduction or ACH
Lincoln Public School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
5621 N St, Lincoln, NE, 68510
Debt Consolidation Loan
15.40%
▼
APR15.40%
Last UpdatedMay 28, 2026
Details
No additional details available.
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Lincoln Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Roberts Dairy Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMay 28, 2026
Details
No additional details available.
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Signature Loan
9.49%
▼
APR9.49%
Last UpdatedMay 28, 2026
Details
No additional details available.
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMay 28, 2026
Details
No additional details available.
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMay 28, 2026
Details
No additional details available.
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Signature Loan - Large
12.00%
▼
APR12.00%
Last UpdatedMay 28, 2026
Details
As Low As
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Signature Loan - Small
13.00%
▼
APR13.00%
Last UpdatedMay 28, 2026
Details
As Low As
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Lincoln, NE Personal Loan Rate Trends
Compare local Lincoln, NE 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.
Personal Loan — NE Avg
11.554%
▲ 0.207 vs 7 days ago
Nebraska personal loan rates rose 0.207 points over the past 7 days to 11.554% APR.
Signature Loan — NE Avg
10.662%
Unchanged vs 7 days ago
Nebraska signature loan rates currently average 10.662% APR.
As of May 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lincoln, Nebraska 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 Lincoln, Nebraska 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 Lincoln, Nebraska. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NE.
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 Nebraska?
Most lenders in Lincoln, Nebraska require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Nebraska often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Lincoln, Nebraska require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Nebraska?
Yes. Debt consolidation is one of the most common uses of personal loans in Lincoln, Nebraska. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Lincoln, Nebraska?
Credit unions in Lincoln, Nebraska often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Lincoln, Nebraska?
- Liberty First Credit Union: 5.75% (Fixed, 80% Loan to Value)
- Cobalt Federal Credit Union: 6.04% (Used 2022 - 2021 Loyalty Loan)
- Sun Pacific Federal Credit Union: 7.99% (Personal/Unsecured Loan)
- University of Nebraska Federal Credit Union: 10.99% (Personal Loan)
- Lincoln SDA Credit Union: 11.50% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lincoln, Nebraska. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 23, 2026.
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