Best Personal Loan Rates in Amherst, New Hampshire (NH) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 New Hampshire 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 Amherst, New Hampshire include: Granite State Credit UnionGranite State Credit Union132 State Route 101A, Amherst, NH, 03031A+5.0 ★Texas Ratio: 5.41% offering Other Collateral Loans 2019-2026 at 4.39% APR, Triangle Credit UnionTriangle Credit Union138 State Route 101A, Amherst, NH, 03031A+5.0 ★Texas Ratio: 4.10% offering Share Loans at 5.05% APR, Bangor Savings BankBangor Savings Bank69 Route 101a, Amherst, NH, 03031A+5.0 ★Texas Ratio: 2.55% offering Investment Property Loan at 8.75% APR, Service Federal Credit UnionService Federal Credit Union85 State ROUTE 101A, Amherst, NH, 03031 2216A5.0 ★Texas Ratio: 11.03% offering Energy Efficiency Loan at 9.24% APR, and Pentucket BankPentucket BankA+5.0 ★Texas Ratio: 0.68% offering Credit Builder Loan at 5.00% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Amherst has 4 local institutions in our database, with personal loan rates as low as 4.39% APR from Granite State Credit Union at 132 State Route 101A, Amherst, NH, 03031. 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 Amherst, New Hampshire.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Amherst, New Hampshire. 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 12, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Other Collateral Loans 2019-2026
4.39%
▼
APR4.39%
Last UpdatedApril 13, 2026
Details
As Low As
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
138 State Route 101A, Amherst, NH, 03031
Share Loans
5.05%
▼
APR5.05%
Last UpdatedApril 13, 2026
Details
above the savings rate currently at 0.05%
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
69 Route 101a, Amherst, NH, 03031
Investment Property Loan
8.75%
▼
APR8.75%
Last UpdatedApril 13, 2026
Details
Loan Amount ?$10,000; Collateral Type Investment Property (60% LTV) Max $250,000; (Prime + 2.00%)
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Other Collateral Loans 2019-2026
8.86%
▼
APR8.86%
Last UpdatedApril 13, 2026
Details
As Low As
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
85 State ROUTE 101A, Amherst, NH, 03031 2216
Energy Efficiency Loan
9.24%
▼
APR9.24%
Last UpdatedApril 13, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Other Collateral Loans 2019-2026
9.34%
▼
APR9.34%
Last UpdatedApril 13, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Other Collateral Loans 2019-2026
9.58%
▼
APR9.58%
Last UpdatedApril 13, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Other Collateral Loans 2019-2026
9.82%
▼
APR9.82%
Last UpdatedApril 13, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Other Collateral Loans 2018 & Older
9.84%
▼
APR9.84%
Last UpdatedApril 13, 2026
Details
As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Other Collateral Loans 2019-2026
10.06%
▼
APR10.06%
Last UpdatedApril 13, 2026
Details
As Low As
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
85 State ROUTE 101A, Amherst, NH, 03031 2216
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 13, 2026
Details
As Low As
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
138 State Route 101A, Amherst, NH, 03031
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 13, 2026
Details
As Low As
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
138 State Route 101A, Amherst, NH, 03031
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 13, 2026
Details
Up to $10,000
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Debt Consolidation Loan
11.41%
▼
APR11.41%
Last UpdatedApril 13, 2026
Details
No additional details available.
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
138 State Route 101A, Amherst, NH, 03031
Personal Loans
11.49%
▼
APR11.49%
Last UpdatedApril 13, 2026
Details
Up to $20,000
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K
11.51%
▼
APR11.51%
Last UpdatedApril 13, 2026
Details
Under $30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K
11.67%
▼
APR11.67%
Last UpdatedApril 13, 2026
Details
Under $30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K
11.86%
▼
APR11.86%
Last UpdatedApril 13, 2026
Details
Under $30; As Low As
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
138 State Route 101A, Amherst, NH, 03031
Personal Loans
11.99%
▼
APR11.99%
Last UpdatedApril 13, 2026
Details
Up to $20,000
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K
12.06%
▼
APR12.06%
Last UpdatedApril 13, 2026
Details
Under $30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K & Over
12.15%
▼
APR12.15%
Last UpdatedApril 13, 2026
Details
$30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K
12.28%
▼
APR12.28%
Last UpdatedApril 13, 2026
Details
Under $30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K & Over
12.38%
▼
APR12.38%
Last UpdatedApril 13, 2026
Details
$30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K & Over
12.61%
▼
APR12.61%
Last UpdatedApril 13, 2026
Details
$30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K & Over
12.84%
▼
APR12.84%
Last UpdatedApril 13, 2026
Details
$30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K & Over
13.08%
▼
APR13.08%
Last UpdatedApril 13, 2026
Details
$30; As Low As
APR5.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR7.49%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR7.49%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR7.75%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR7.75%
Last UpdatedApril 13, 2026
Details
As Low As; Available until May 31, 2026
APR7.99%
Last UpdatedApril 13, 2026
Details
All proceeds deposited to a separate savings account until the loan is paid in full.
Members First Credit Union of NH
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Land Loan
8.32%
▼
APR8.32%
Last UpdatedApril 13, 2026
Details
As Low As
APR8.75%
Last UpdatedApril 13, 2026
Details
As Low As
APR8.75%
Last UpdatedApril 13, 2026
Details
As Low As
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.29%
▼
APR9.29%
Last UpdatedApril 13, 2026
Details
As Low As
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 13, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR9.75%
Last UpdatedApril 13, 2026
Details
As Low As
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 13, 2026
Details
As Low As
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
As Low As
Precision Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.11%
March Madness Loan Special
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
As Low As; APR 10.85% based on $3000; Offer valid through April 30, 2026
APR10.50%
Last UpdatedApril 13, 2026
Details
As Low As
New Hampshire Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Mini Loans
10.50%
▼
APR10.50%
Last UpdatedApril 13, 2026
Details
(New Money Only)
Holy Rosary Credit Union Rochester, NH
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Unsecured Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 13, 2026
Details
As Low As
Members First Credit Union of NH
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Personal Unsecured
11.00%
▼
APR11.00%
Last UpdatedApril 13, 2026
Details
As Low As
New Hampshire Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedApril 13, 2026
Details
($7500 max)
APR11.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR11.00%
Last UpdatedApril 13, 2026
Details
As Low As
APR11.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR11.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Savings Bank of Walpole
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Personal Unsecured
11.69%
▼
APR11.69%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR12.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR12.13%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR12.13%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR13.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR14.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
85 State ROUTE 101A, Amherst, NH, 03031 2216
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 13, 2026
Details
As Low As
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
138 State Route 101A, Amherst, NH, 03031
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 13, 2026
Details
As Low As
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
138 State Route 101A, Amherst, NH, 03031
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 13, 2026
Details
Up to $10,000
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
138 State Route 101A, Amherst, NH, 03031
Personal Loans
11.49%
▼
APR11.49%
Last UpdatedApril 13, 2026
Details
Up to $20,000
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K
11.51%
▼
APR11.51%
Last UpdatedApril 13, 2026
Details
Under $30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K
11.67%
▼
APR11.67%
Last UpdatedApril 13, 2026
Details
Under $30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K
11.86%
▼
APR11.86%
Last UpdatedApril 13, 2026
Details
Under $30; As Low As
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
138 State Route 101A, Amherst, NH, 03031
Personal Loans
11.99%
▼
APR11.99%
Last UpdatedApril 13, 2026
Details
Up to $20,000
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K
12.06%
▼
APR12.06%
Last UpdatedApril 13, 2026
Details
Under $30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K & Over
12.15%
▼
APR12.15%
Last UpdatedApril 13, 2026
Details
$30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K
12.28%
▼
APR12.28%
Last UpdatedApril 13, 2026
Details
Under $30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K & Over
12.38%
▼
APR12.38%
Last UpdatedApril 13, 2026
Details
$30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K & Over
12.61%
▼
APR12.61%
Last UpdatedApril 13, 2026
Details
$30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K & Over
12.84%
▼
APR12.84%
Last UpdatedApril 13, 2026
Details
$30; As Low As
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Personal Loans K & Over
13.08%
▼
APR13.08%
Last UpdatedApril 13, 2026
Details
$30; As Low As
APR7.49%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR7.75%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR8.75%
Last UpdatedApril 13, 2026
Details
As Low As
APR8.75%
Last UpdatedApril 13, 2026
Details
As Low As
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.29%
▼
APR9.29%
Last UpdatedApril 13, 2026
Details
As Low As
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 13, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR9.75%
Last UpdatedApril 13, 2026
Details
As Low As
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 13, 2026
Details
As Low As
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
As Low As
APR10.50%
Last UpdatedApril 13, 2026
Details
As Low As
Holy Rosary Credit Union Rochester, NH
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Unsecured Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 13, 2026
Details
As Low As
New Hampshire Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedApril 13, 2026
Details
($7500 max)
APR11.00%
Last UpdatedApril 13, 2026
Details
As Low As
APR11.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
APR11.00%
Last UpdatedApril 13, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
132 State Route 101A, Amherst, NH, 03031
Debt Consolidation Loan
11.41%
▼
APR11.41%
Last UpdatedApril 13, 2026
Details
No additional details available.
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.29%
▼
APR9.29%
Last UpdatedApril 13, 2026
Details
As Low As
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedApril 13, 2026
Details
As Low As
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Personal Loan/Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedApril 13, 2026
Details
As Low As
Powered by
MonitorBankRates
No signature loans personal loan rates found in Amherst, NH currently.
No home improvement personal loan rates found in Amherst, NH currently.
Amherst, NH Personal Loan Rate Trends
Compare local Amherst, NH 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 — NH Avg
11.515%
Unchanged vs 7 days ago
New Hampshire personal loan rates currently average 11.515% APR.
Signature Loan — NH Avg
11.106%
▼ 0.014 vs 7 days ago
New Hampshire signature loan rates fell 0.014 points over the past 7 days to 11.106% APR.
As of Apr 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in New Hampshire?
Most lenders in Amherst, New Hampshire 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 New Hampshire often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Amherst, New Hampshire 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 New Hampshire?
Yes. Debt consolidation is one of the most common uses of personal loans in Amherst, New Hampshire. 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 Amherst, New Hampshire?
Credit unions in Amherst, New Hampshire 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 Amherst, New Hampshire?
- Granite State Credit Union: 4.39% (Other Collateral Loans 2019-2026)
- Triangle Credit Union: 5.05% (Share Loans)
- Bangor Savings Bank: 8.75% (Investment Property Loan)
- Service Federal Credit Union: 9.24% (Energy Efficiency Loan)
- Pentucket Bank: 5.00% (Credit Builder Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Amherst, New Hampshire. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 12, 2026.
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