Best Personal Loan Rates in New York - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in New York include: Finger Lakes Federal Credit UnionFinger Lakes Federal Credit Union27 Seneca St, Geneva, NY, 14456 3502A+5.0 ★Texas Ratio: 0.84% offering Graduate Loan at 3.99% APR, FASNY Federal Credit UnionFASNY Federal Credit Union107 Washington Ave, Albany, NY, 12210 2231A+5.0 ★Texas Ratio: 0.01% offering 24 months Loan at 3.99% APR, Holy Family Parma Federal Credit UnionHoly Family Parma Federal Credit Union110 John Muir Dr, Amherst, NY, 14228 1148A+5.0 ★Texas Ratio: 2.32% offering All Loans at 4.00% APR, Allegany First Federal Credit UnionAllegany First Federal Credit Union27 W Main St, Fillmore, NY, 14735A+5.0 ★Texas Ratio: 0.13% offering 2024 and Newer Loan at 4.00% APR, and TrustCo BankTrustCo Bank112 State St, Albany, NY, 12207A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR. Personal loan rates as of July 24, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across New York side-by-side. New York personal loan rates currently start as low as 3.99% APR from Finger Lakes Federal Credit Union at 27 Seneca St, Geneva, NY, 14456 3502. 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 New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in New York. 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 24, 2026
New York Personal Loan Rates
Variable Rate APR: 4.00% - 12.50%
No additional details available.
Variable Rate APR: 4.00% - 12.50%
Beacon Score: 725+
As Low As
No additional details available.
Fixed
Fixed
Fixed
APR for Model Years 2023 and Newer
No additional details available.
ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts
No additional details available.
No additional details available.
Fixed
APR*
No additional details available.
As Low As; *
APR for Model Years 2023 and Newer
No additional details available.
Beacon Score: 725+
Beacon Score: 725+
No additional details available.
No additional details available.
As Low As
APR for Model Years 2023 and Newer
Up to 125% of LTV
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
$2,500.00
Call the Credit Union for More Details or to Apply!
As low as; Borrow Up to $4,000
As Low As;*
APR for Model Years 2023 and Newer
As Low As; New and used 2025 - 2026
seasonal
seasonal
No additional details available.
Rates below are based on a credit score of 730 or higher. Lower rates may apply for terms less than 60 months.
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
Get $5,000 for 18 months*
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; New and used 2025 - 2026
As Low As; Rates and terms accurate as of 4/06/2026. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For lease buyout terms of 66 months estimated monthly payment of $17.43 per $1000 borrowed for 2023-2026 vehicles. Minimum auto loan is $1,000. Payment is based on rate of 5.14%.
As Low As
As Low As
As Low As; Used 2021 - 2024
APR for Model Years 2023 and Newer
The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. As low as*
No additional details available.
As Low As
No additional details available.
As Low As; New and used 2025 - 2026
No additional details available.
As Low As; Used 2021 - 2024
As Low As;*
No additional details available.
APR for Model Years 2019-2022
As Low As
APR for Model Years 2019-2022
As Low As
The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. As low as*
Beacon Score: 675 - 724
Beacon Score: 675 - 724
Beacon Score: 725+
As Low As
As Low As
No additional details available.
Up to 125% of LTV
As Low As; Used 2021 - 2024
No additional details available.
No additional details available.
Rates as low as
No additional details available.
No additional details available.
As Low As
APR for Model Years 2023 and Newer
APR for Model Years 2019-2022
As Low As
The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable. As low as*
As Low As
No additional details available.
Beacon Score: 725+
As Low As
As Low As
No additional details available.
All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
As Low As; New and used 2025 - 2026
As Low As; 0% origination
Rates as low as
As Low As; Relationship Premium
As Low As;*
As Low As
No additional details available.
As Low As; Relationship Premium
All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
No additional details available.
Borrow up to 5k
As Low As; APR accurate as of 12/04/23 for qualified applicants only, and is subject to change without prior notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Advertised rates are the lowest available for this product. Not all applicants will be approved and some may be offered credit at different rates and terms, all subject to approval. For Wedding Loan terms of 48 months estimated monthly payment of $23.49 per $1,000 borrowed.
No additional details available.
No additional details available.
As Low As; *
No additional details available.
APR for Model Years 2019-2022
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As;*
No additional details available.
No additional details available.
15% - 20% Down Payment Required w/no PMI; 10% Down Payment Required w/PMI
Rates as low as
80% CLTV
As Low As; Used 2021 - 2024
Rates as low as
As Low As; Relationship Premium
All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.
As Low As
As Low As
As Low As
Over $30,000.00; As Low As
ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts
New York Personal Loan Rates
No additional details available.
Get $5,000 for 18 months*
Rates as low as
No additional details available.
New York Debt Consolidation Loan Rates
No additional details available.
No additional details available.
Rate available to member in good standing, based on credit qualifications, approved starting January 1, 2025 for loans from $300 and to $25,000. Rate reflects .25% discount for automatic payments from your MHV savings or checking account. As an example, a 47-month term with a fixed rate of 7.49% APR would result in an estimated payment of $24.57 for each $1,000 financed. Subject to change or terminate at the discretion of MHV. Internal MHV Personal Loan refinances are not applicable with this promotional rate.
No additional details available.
No additional details available.
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days; *
APR without Direct Deposit: 9.49%
No additional details available.
No additional details available.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
APR without Direct Deposit: 9.99%
No additional details available.
APR without Direct Deposit: 10.49%
No additional details available.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
APR without Direct Deposit: 10.99%
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
As Low As
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
As Low As; APR*
No additional details available.
Fixed rate; discount with direct deposit; $20 application fee
New York Signature Loan Rates
No additional details available.
New York Personal Loan Rate Trends
Compare local New York 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.
New York personal loan rates fell 0.204 points over the past 7 days to 10.045% APR.
New York signature loan rates rose 0.455 points over the past 7 days to 10.513% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New York 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 New York 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 New York. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NY.
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 New York?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in New York?
Are credit unions or banks better for personal loans in New York?
What are the best personal loan rates in New York?
- Finger Lakes Federal Credit Union: 3.99% (Graduate Loan)
- FASNY Federal Credit Union: 3.99% (24 months Loan)
- Holy Family Parma Federal Credit Union: 4.00% (All Loans)
- Allegany First Federal Credit Union: 4.00% (2024 and Newer Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
