Best Personal Loan Rates in Lincoln, Nebraska - July 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 Lincoln, Nebraska include: Sun Pacific Federal Credit UnionSun Pacific Federal Credit Union1345 Old Cheney Rd, Lincoln, NE, 68512 1266A+5.0 ★Texas Ratio: 3.58% offering 2011 to 2015 Models Loan at 5.05% APR, University of Nebraska Federal Credit UnionUniversity of Nebraska Federal Credit Union1720 P St, Lincoln, NE, 68508A+5.0 ★Texas Ratio: 3.65% offering 2021 & Older - Model Years 24 Months Loan at 5.24% APR, Lincoln Public School Employees Federal Credit UnionLincoln Public School Employees Federal Credit Union5621 N St, Lincoln, NE, 68510A+5.0 ★Texas Ratio: 4.71% offering Personal Loans at 5.75% APR, Cobalt Federal Credit UnionCobalt Federal Credit Union2801 N 86th St, Lincoln, NE, 68507 3447A5.0 ★Texas Ratio: 6.75% offering New 2026 & New or Used 2025 Loan at 6.09% APR, and Liberty First Credit UnionLiberty First Credit Union501 N 46th St, Lincoln, NE, 68503 3718A5.0 ★Texas Ratio: 6.97% offering Personal Loans at 7.68% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Lincoln has 7 local institutions in our database, with personal loan rates as low as 5.05% APR from Sun Pacific Federal Credit Union at 1345 Old Cheney Rd, Lincoln, NE, 68512 1266. 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: July 6, 2026
Lincoln Personal Loan Rates
Model Year: 2011 to 2015
Model Year: 2016 to 2019
Steal A Deal Promo Rate
Model Year: 2020 to 2024
Model Year: 2025 to 2027
Model Year: 2025 to 2027
Steal A Deal Promo Rate
Rates As Low As
Steal A Deal Promo Rate
Maximum 10% of Annual LPS Income W.A.C.
Rates As Low As
As Low As; Loyalty APR: 5.59%
Model Year: 2025 to 2027
Rates As Low As
Steal A Deal Promo Rate
As Low As; Loyalty APR: 5.79%
Steal A Deal Promo Rate
Rates As Low As
Maximum 10% of Annual LPS Income W.A.C.
As Low As; Loyalty APR: 6.34%
Rates As Low As
As Low As
Maximum 10% of Annual LPS Income W.A.C.
Fixed
Steal A Deal Promo Rate
As Low As; Loyalty APR: 7.99%
As Low As; Loyalty APR: 8.04%
Rates As Low As
Maximum 10% of Annual LPS Income W.A.C.
Fixed
Maximum 10% of Annual LPS Income W.A.C.
No additional details available.
As Low As; Loyalty APR: 9.69%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Maximum 10% of Annual LPS Income W.A.C.
As Low As
No additional details available.
As Low As
Maximum 10% of Annual LPS Income W.A.C.
Fixed
No additional details available.
No additional details available.
As Low As; Variable
Fixed
10K Limit >600 Credit Score
Payroll deduction or ACH
Fixed
Fixed
($20 processing fee)
Fixed
No additional details available.
As Low As; Recreational Loan APR
As Low As; Personal Loan APR
No additional details available.
Up To $4000.00
As Low As
No additional details available.
As Low As; Rates starting as low as 6.99% APR*
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Maximum Limit $5000.00; As Low As
No additional details available.
Credit Score Ranking A & B
No additional details available.
No additional details available.
Loan rates listed above available for well-qualified members. Your loan rate may vary, depending on your credit score, loan term, and loan type.
No additional details available.
Maximum loan amount $7000
No additional details available.
As Low As; $10,000 Maximum
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Maximum Amount: Per Guidelines; Security: Unsecured
As Low As
Maximum Amount: Per Guidelines; Security: Unsecured
Maximum loan amount $7000
As Low As
Maximum Amount: Per Guidelines; Security: Unsecured
As Low As
As Low As; *
As Low As; *
Rates are stated As Low As
As Low As; *
As Low As
Credit Score: 740 & up
Rates are stated As Low As
As low as 12.00%
As Low As; *
Credit Score: 680-739
Credit Score Ranking C & D
**
As low as 13.00%
As Low As
Credit Score: 640-679
Rates As Low As*
Base rate
Rates As Low As*
Credit Score: 600-639
Rates As Low As*
Rates As Low As*
As Low As; **
No additional details available.
Credit Score: 550-599
Lincoln Personal Loan Rates
Maximum 10% of Annual LPS Income W.A.C.
Maximum 10% of Annual LPS Income W.A.C.
As Low As
Maximum 10% of Annual LPS Income W.A.C.
Maximum 10% of Annual LPS Income W.A.C.
Maximum 10% of Annual LPS Income W.A.C.
Maximum 10% of Annual LPS Income W.A.C.
As Low As
As Low As
Maximum 10% of Annual LPS Income W.A.C.
As Low As; Personal Loan APR
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Loan rates listed above available for well-qualified members. Your loan rate may vary, depending on your credit score, loan term, and loan type.
Maximum loan amount $7000
As Low As
Maximum loan amount $7000
As Low As
As Low As
As Low As; *
As Low As; *
As Low As; *
As Low As
As Low As; *
As Low As
Rates As Low As*
Rates As Low As*
Rates As Low As*
Rates As Low As*
Lincoln Debt Consolidation Loan Rates
10K Limit >600 Credit Score
Payroll deduction or ACH
No additional details available.
No additional details available.
No additional details available.
Lincoln Signature Loan Rates
No additional details available.
Maximum Amount: Per Guidelines; Security: Unsecured
Maximum Amount: Per Guidelines; Security: Unsecured
Maximum Amount: Per Guidelines; Security: Unsecured
As low as 12.00%
As low as 13.00%
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.
Nebraska personal loan rates currently average 10.341% APR.
Nebraska signature loan rates currently average 10.662% APR.
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?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Nebraska?
Are credit unions or banks better for personal loans in Lincoln, Nebraska?
What are the best personal loan rates in Lincoln, Nebraska?
- Sun Pacific Federal Credit Union: 5.05% (2011 to 2015 Models Loan)
- University of Nebraska Federal Credit Union: 5.24% (2021 & Older - Model Years 24 Months Loan)
- Lincoln Public School Employees Federal Credit Union: 5.75% (Personal Loans)
- Cobalt Federal Credit Union: 6.09% (New 2026 & New or Used 2025 Loan)
- Liberty First Credit Union: 7.68% (Personal Loans)
Personal Loan Calculators
