Best Personal Loan Rates in New York - June 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 York 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 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, Affinity One Federal Credit UnionAffinity One Federal Credit Union545 E 2nd St, Jamestown, NY, 14701A+5.0 ★Texas Ratio: 1.30% offering 36 Months Loan at 3.99% APR, ADVANTAGE FINANCIALADVANTAGE FINANCIAL800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104A5.0 ★Texas Ratio: 7.37% offering Balance Transfers Loan at 3.99% APR, First Choice Financial Federal Credit UnionFirst Choice Financial Federal Credit Union355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703A5.0 ★Texas Ratio: 5.73% offering 2023 & Newer Loan at 3.99% APR, and 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. Personal loan rates as of June 11, 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: June 11, 2026
New York Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Graduate Loan
3.99%
▼
APR3.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
36 Months Loan
3.99%
▼
APR3.99%
Last UpdatedJune 12, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Balance Transfers Loan
3.99%
▼
APR3.99%
Last UpdatedJune 12, 2026
Details
Intro rate for balance transfers.
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
2023 & Newer Loan
3.99%
▼
APR3.99%
Last UpdatedJune 12, 2026
Details
Up to 100% NADA + Tax + Warranty
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
48 Months Loan
3.99%
▼
APR3.99%
Last UpdatedJune 12, 2026
Details
As Low As
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
24 months Loan
3.99%
▼
APR3.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
24 Months Loan
3.99%
▼
APR3.99%
Last UpdatedJune 12, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Save & Boost Credit Loan
3.99%
▼
APR3.99%
Last UpdatedJune 12, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Personal Unsecured Loans
3.99%
▼
APR3.99%
Last UpdatedJune 12, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Flex Equity Variable Rate Loan
3.99%
▼
APR3.99%
Last UpdatedJune 12, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Flex Equity Variable Rate 12 Months Loan
3.99%
▼
APR3.99%
Last UpdatedJune 12, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Graduate Loan
4.00%
▼
APR4.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Undergraduate Loan
4.00%
▼
APR4.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Passbook Loan
4.00%
▼
APR4.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
4.00%
▼
APR4.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
36 months Loan
4.24%
▼
APR4.24%
Last UpdatedJune 12, 2026
Details
No additional details available.
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY, 14221
Recreational Loan
4.24%
▼
APR4.24%
Last UpdatedJune 12, 2026
Details
ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
2 Year Loan
4.24%
▼
APR4.24%
Last UpdatedJune 12, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
24 months Loan
4.25%
▼
APR4.25%
Last UpdatedJune 12, 2026
Details
No additional details available.
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2026 - 25 Loan
4.25%
▼
APR4.25%
Last UpdatedJune 12, 2026
Details
No additional details available.
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
New (2024-2026) Loan
4.49%
▼
APR4.49%
Last UpdatedJune 12, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
48 months Loan
4.49%
▼
APR4.49%
Last UpdatedJune 12, 2026
Details
No additional details available.
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
3 Year Loan
4.49%
▼
APR4.49%
Last UpdatedJune 12, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
36 months Loan
4.50%
▼
APR4.50%
Last UpdatedJune 12, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedJune 12, 2026
Details
No additional details available.
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2024 Loan
4.50%
▼
APR4.50%
Last UpdatedJune 12, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedJune 12, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2026 - 25 Loan
4.65%
▼
APR4.65%
Last UpdatedJune 12, 2026
Details
No additional details available.
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
2023 & Newer Loan
4.74%
▼
APR4.74%
Last UpdatedJune 12, 2026
Details
Up to 100% NADA + Tax + Warranty
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
4 Year Loan
4.74%
▼
APR4.74%
Last UpdatedJune 12, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
60 Months Loan
4.75%
▼
APR4.75%
Last UpdatedJune 12, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
72 Months Loan
4.75%
▼
APR4.75%
Last UpdatedJune 12, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
12 Month Loan
4.75%
▼
APR4.75%
Last UpdatedJune 12, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
48 months Loan
4.75%
▼
APR4.75%
Last UpdatedJune 12, 2026
Details
No additional details available.
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2023 - 17 Loan
4.75%
▼
APR4.75%
Last UpdatedJune 12, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedJune 12, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
Up to 48 Months Loan
4.89%
▼
APR4.89%
Last UpdatedJune 12, 2026
Details
As Low As
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
2022-2020 Loan
4.89%
▼
APR4.89%
Last UpdatedJune 12, 2026
Details
Up to 100% NADA + Tax + Warranty
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
Personal Signature Loans
4.90%
▼
APR4.90%
Last UpdatedJune 12, 2026
Details
No additional details available.
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2024 Loan
4.90%
▼
APR4.90%
Last UpdatedJune 12, 2026
Details
No additional details available.
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
Loan Special
4.90%
▼
APR4.90%
Last UpdatedJune 12, 2026
Details
Call the Credit Union for More Details or to Apply!
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Vacation Loan Special
4.95%
▼
APR4.95%
Last UpdatedJune 12, 2026
Details
As Low As
Twin Rivers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
23 Phillips St, Massena, NY, 13662
New Loan
4.99%
▼
APR4.99%
Last UpdatedJune 12, 2026
Details
As Low As; *Rates below are based on a credit score of 730 or higher.
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Holiday Loan
4.99%
▼
APR4.99%
Last UpdatedJune 12, 2026
Details
(seasonal)
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
4.99%
▼
APR4.99%
Last UpdatedJune 12, 2026
Details
As Low As
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
New (2024-2026) Loan
4.99%
▼
APR4.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
49 to 66 Months Loan
4.99%
▼
APR4.99%
Last UpdatedJune 12, 2026
Details
As Low As
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
60 months Loan
4.99%
▼
APR4.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
5 Year Loan
4.99%
▼
APR4.99%
Last UpdatedJune 12, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2016 - 13 Loan
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
10 Years Loan
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
1st / 60% LTV; Draw Period: 5 years
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
IAM Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.38%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Non-Collateral Signature Loans
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
15 Month Loan
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Credit Builder Loan
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
As Low As
Your Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 John Muir Dr, Amherst, NY, 14228 1148
Spring into Summer Loan
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Niagara Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6040 Lindbergh Ave, Niagara Falls, NY, 14304 3150
Summer/Holiday Loan
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
As Low As; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown. All Loan Rates are stated in terms of Annual Percentage Rate (APR). Loan Rates are for qualified members.
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
36-48 Months Loan
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
As Low As; When you contact them, make sure we are the lien holder on the vehicle
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2023 - 17 Loan
5.10%
▼
APR5.10%
Last UpdatedJune 12, 2026
Details
No additional details available.
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
5.14%
▼
APR5.14%
Last UpdatedJune 12, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
67 to 75 Months Loan
5.19%
▼
APR5.19%
Last UpdatedJune 12, 2026
Details
As Low As
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
Used 2021 - 2024 Loan
5.24%
▼
APR5.24%
Last UpdatedJune 12, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
6 Year Loan
5.24%
▼
APR5.24%
Last UpdatedJune 12, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2012 & Older Loan
5.25%
▼
APR5.25%
Last UpdatedJune 12, 2026
Details
No additional details available.
Niagara Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6040 Lindbergh Ave, Niagara Falls, NY, 14304 3150
Summer/Holiday Loan
5.25%
▼
APR5.25%
Last UpdatedJune 12, 2026
Details
As Low As; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
60 months Loan
5.25%
▼
APR5.25%
Last UpdatedJune 12, 2026
Details
No additional details available.
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
84 Months Loan
5.25%
▼
APR5.25%
Last UpdatedJune 12, 2026
Details
As Low As
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
5.34%
▼
APR5.34%
Last UpdatedJune 12, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2016 - 13 Loan
5.35%
▼
APR5.35%
Last UpdatedJune 12, 2026
Details
No additional details available.
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
Used 2021 - 2024 Loan
5.39%
▼
APR5.39%
Last UpdatedJune 12, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
3 Year Loan
5.49%
▼
APR5.49%
Last UpdatedJune 12, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
2 Year Loan
5.49%
▼
APR5.49%
Last UpdatedJune 12, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY, 13440 2430
60 months Loan
5.49%
▼
APR5.49%
Last UpdatedJune 12, 2026
Details
As Low As
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
24 - 60 months Loan
5.49%
▼
APR5.49%
Last UpdatedJune 12, 2026
Details
No additional details available.
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
New (2024-2026) Loan
5.49%
▼
APR5.49%
Last UpdatedJune 12, 2026
Details
No additional details available.
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
2023 & Newer Loan
5.49%
▼
APR5.49%
Last UpdatedJune 12, 2026
Details
Up to 100% NADA + Tax + Warranty
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
Personal Loans
5.49%
▼
APR5.49%
Last UpdatedJune 12, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
Musical Instruments Loan Tier Two
5.49%
▼
APR5.49%
Last UpdatedJune 12, 2026
Details
As Low As; Loans $50,000 up to $250,000
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
60 Months Loan
5.50%
▼
APR5.50%
Last UpdatedJune 12, 2026
Details
As Low As; When you contact them, make sure we are the lien holder on the vehicle
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
10 Years Loan
5.50%
▼
APR5.50%
Last UpdatedJune 12, 2026
Details
2nd / 60% LTV; Draw Period: 5 years
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
10 Year Loan
5.51%
▼
APR5.51%
Last UpdatedJune 12, 2026
Details
No additional details available.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
Up to 48 Months Loan
5.54%
▼
APR5.54%
Last UpdatedJune 12, 2026
Details
As Low As
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
10 Year Monthly Loan
5.54%
▼
APR5.54%
Last UpdatedJune 12, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY, 12401
SONYMA Loan
5.57%
▼
APR5.57%
Last UpdatedJune 12, 2026
Details
No additional details available.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
76 to 84 Months Loan
5.59%
▼
APR5.59%
Last UpdatedJune 12, 2026
Details
As Low As
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
Used 2021 - 2024 Loan
5.59%
▼
APR5.59%
Last UpdatedJune 12, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2012 & Older Loan
5.60%
▼
APR5.60%
Last UpdatedJune 12, 2026
Details
No additional details available.
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
7 Year Monthly Loan
5.61%
▼
APR5.61%
Last UpdatedJune 12, 2026
Details
No additional details available.
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
7/1 Hybrid In-House Loan
5.63%
▼
APR5.63%
Last UpdatedJune 12, 2026
Details
Rates change daily
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
2022-2020 Loan
5.64%
▼
APR5.64%
Last UpdatedJune 12, 2026
Details
Up to 100% NADA + Tax + Warranty
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
12 Year Monthly Loan
5.64%
▼
APR5.64%
Last UpdatedJune 12, 2026
Details
No additional details available.
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
425 Neptune Ave, Brooklyn, NY, 11224 4559
Mortagages Loan
5.70%
▼
APR5.70%
Last UpdatedJune 12, 2026
Details
As Low As
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY, 12958
321 RELOC Loan
5.70%
▼
APR5.70%
Last UpdatedJune 12, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY, 13440 2430
60 months Loan
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
7 Year Loan
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
4 Year Loan
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
2022 - 2023 Loan
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
No additional details available.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
49 to 66 Months Loan
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
As Low As
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
924 Turin St, Rome, NY, 13440
Personal Loan
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
As Low As
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
36-48 Months Loan
5.75%
▼
APR5.75%
Last UpdatedJune 12, 2026
Details
Beacon Score: 725+
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY, 13440 2430
12 months Loan
5.75%
▼
APR5.75%
Last UpdatedJune 12, 2026
Details
As Low As
Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4621 Millennium Dr, Geneseo, NY, 14454
Model Year 2024 Loan
5.84%
▼
APR5.84%
Last UpdatedJune 12, 2026
Details
No additional details available.
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
5.84%
▼
APR5.84%
Last UpdatedJune 12, 2026
Details
As Low As
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
591 E Main St, Bay Shore, NY, 11706 8505
Pre-Owned Loan
5.88%
▼
APR5.88%
Last UpdatedJune 12, 2026
Details
As Low As
Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
180 Schwenk Dr, Kingston, NY, 12401
SONYMA Loan
5.88%
▼
APR5.88%
Last UpdatedJune 12, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
55 Water St, New York, NY, 10041
Relationship Premium Loan
5.89%
▼
APR5.89%
Last UpdatedJune 12, 2026
Details
As Low As; Relationship Premium
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
100 Port Washington Blvd, Roslyn, NY, 11576
Personal Loan
5.90%
▼
APR5.90%
Last UpdatedJune 12, 2026
Details
No additional details available.
Sidney Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
42 Union St, Sidney, NY, 13838
Drop My Rate Promotion Loan
5.92%
▼
APR5.92%
Last UpdatedJune 12, 2026
Details
No additional details available.
Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4621 Millennium Dr, Geneseo, NY, 14454
Model Year 2023 Loan
5.94%
▼
APR5.94%
Last UpdatedJune 12, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
55 Water St, New York, NY, 10041
Relationship Premium Loan
5.94%
▼
APR5.94%
Last UpdatedJune 12, 2026
Details
As Low As; Relationship Premium
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY, 13440 2430
120 months Loan
5.99%
▼
APR5.99%
Last UpdatedJune 12, 2026
Details
As Low As
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3960 Hillman Ave, Bronx, NY, 10463
Any Purpose 12 mo Loan
5.99%
▼
APR5.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3960 Hillman Ave, Bronx, NY, 10463
All Purpose Loan
5.99%
▼
APR5.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
5 Year Loan
5.99%
▼
APR5.99%
Last UpdatedJune 12, 2026
Details
Rates quoted are the lowest available rates based on overall creditworthiness
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Holiday Loan
5.99%
▼
APR5.99%
Last UpdatedJune 12, 2026
Details
As Low As
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
72 months Loan
5.99%
▼
APR5.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
New (2024-2026) Loan
5.99%
▼
APR5.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
5.99%
▼
APR5.99%
Last UpdatedJune 12, 2026
Details
As Low As
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
9823 Science Center Dr, Painted Post, NY, 14870
Collateral Loans
5.99%
▼
APR5.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
464 Fairview Ave, Hudson, NY, 12534
Fuel Loan
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation Loan
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
10 Year Loan
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
15% - 20% Down Payment Required w/no PMI; 10% Down Payment Required w/PMI
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1 Chemung Canal Plz, Elmira, NY, 14901
CLTV 2nd Lien Loan
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
90% CLTV: 6.500% APR
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
36-48 Months Loan
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
As Low As; When you contact them, make sure we are the lien holder on the vehicle
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
25 Year Bi-Weekly Special Loan
6.08%
▼
APR6.08%
Last UpdatedJune 12, 2026
Details
No additional details available.
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
Used 2021 - 2024 Loan
6.09%
▼
APR6.09%
Last UpdatedJune 12, 2026
Details
As Low As
Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4621 Millennium Dr, Geneseo, NY, 14454
Model Year 2023 Loan
6.14%
▼
APR6.14%
Last UpdatedJune 12, 2026
Details
No additional details available.
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
55 Water St, New York, NY, 10041
Relationship Premium Loan
6.14%
▼
APR6.14%
Last UpdatedJune 12, 2026
Details
As Low As; Relationship Premium
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
67 to 75 Months Loan
6.14%
▼
APR6.14%
Last UpdatedJune 12, 2026
Details
As Low As
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
6.24%
▼
APR6.24%
Last UpdatedJune 12, 2026
Details
No additional details available.
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY, 13440 2430
120 months Loan
6.24%
▼
APR6.24%
Last UpdatedJune 12, 2026
Details
As Low As
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY, 14221
Recreational Loan
6.24%
▼
APR6.24%
Last UpdatedJune 12, 2026
Details
ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts
Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4621 Millennium Dr, Geneseo, NY, 14454
Model Year 2022 Loan
6.24%
▼
APR6.24%
Last UpdatedJune 12, 2026
Details
No additional details available.
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
2022 - 2023 Loan
6.24%
▼
APR6.24%
Last UpdatedJune 12, 2026
Details
No additional details available.
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.27%
2525 Military Rd, Niagara Falls, NY, 14304
Used Models (up to 10 years old) Loan
6.24%
▼
APR6.24%
Last UpdatedJune 12, 2026
Details
As Low As
Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4621 Millennium Dr, Geneseo, NY, 14454
Model Year 2023 Loan
6.24%
▼
APR6.24%
Last UpdatedJune 12, 2026
Details
No additional details available.
Griffith Institute Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
64 E Main St Ste 3, Springville, NY, 14141
New Recreational Loans
6.25%
▼
APR6.25%
Last UpdatedJune 12, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
PERSONAL LOANS (CLOSED END)
6.25%
▼
APR6.25%
Last UpdatedJune 12, 2026
Details
As Low As; Range: 730+
Cattaraugus County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 Fair Oak St, Little Valley, NY, 14755
Recreational Loans (2022 and Newer)
6.25%
▼
APR6.25%
Last UpdatedJune 12, 2026
Details
As Low As; Rates are based on credit history and term
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
60 Months Loan
6.25%
▼
APR6.25%
Last UpdatedJune 12, 2026
Details
Beacon Score: 725+
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1 Chemung Canal Plz, Elmira, NY, 14901
CLTV 2nd Lien Loan
6.25%
▼
APR6.25%
Last UpdatedJune 12, 2026
Details
80% CLTV
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
72 months Loan
6.25%
▼
APR6.25%
Last UpdatedJune 12, 2026
Details
No additional details available.
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.25%
▼
APR6.25%
Last UpdatedJune 12, 2026
Details
No additional details available.
ONEIDA COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
New finance 90% Loan
6.25%
▼
APR6.25%
Last UpdatedJune 12, 2026
Details
No additional details available.
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
25 Year Bi-Weekly Loan
6.33%
▼
APR6.33%
Last UpdatedJune 12, 2026
Details
No additional details available.
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
591 E Main St, Bay Shore, NY, 11706 8505
Pre-Owned Loan
6.33%
▼
APR6.33%
Last UpdatedJune 12, 2026
Details
As Low As
Powered by
MonitorBankRates
New York Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
Personal Loans
5.49%
▼
APR5.49%
Last UpdatedJune 12, 2026
Details
As Low As
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
924 Turin St, Rome, NY, 13440
Personal Loan
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
As Low As
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
100 Port Washington Blvd, Roslyn, NY, 11576
Personal Loan
5.90%
▼
APR5.90%
Last UpdatedJune 12, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
PERSONAL LOANS (CLOSED END)
6.25%
▼
APR6.25%
Last UpdatedJune 12, 2026
Details
As Low As; Range: 730+
Powered by
MonitorBankRates
New York Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation Loan
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation Loan
7.00%
▼
APR7.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3960 Hillman Ave, Bronx, NY, 10463
Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2998 Chili Ave, Rochester, NY, 14624 4537
Debt Relief Loan
8.00%
▼
APR8.00%
Last UpdatedJune 12, 2026
Details
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation Loan
8.00%
▼
APR8.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedJune 12, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
Debt Consolidation Loan
9.00%
▼
APR9.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation Loan
9.00%
▼
APR9.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 12 Months
9.25%
▼
APR9.25%
Last UpdatedJune 12, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedJune 12, 2026
Details
As Low As
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation Loan
9.74%
▼
APR9.74%
Last UpdatedJune 12, 2026
Details
No additional details available.
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
125 Wireless Blvd, Hauppauge, NY, 11788 3971
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
As Low As; *The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
As Low As
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation Loan
10.24%
▼
APR10.24%
Last UpdatedJune 12, 2026
Details
No additional details available.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 13 - 24 Months
10.25%
▼
APR10.25%
Last UpdatedJune 12, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedJune 12, 2026
Details
As Low As
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedJune 12, 2026
Details
No additional details available.
Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Debt Consolidation Loan
10.50%
▼
APR10.50%
Last UpdatedJune 12, 2026
Details
As Low As; months max
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured - up to 48 months Loan
10.74%
▼
APR10.74%
Last UpdatedJune 12, 2026
Details
No additional details available.
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured Loan
10.74%
▼
APR10.74%
Last UpdatedJune 12, 2026
Details
No additional details available.
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured Loan
10.89%
▼
APR10.89%
Last UpdatedJune 12, 2026
Details
No additional details available.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 25 - 36 Months
11.25%
▼
APR11.25%
Last UpdatedJune 12, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation Loan
11.49%
▼
APR11.49%
Last UpdatedJune 12, 2026
Details
As Low As
Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Debt Consolidation Loan
11.50%
▼
APR11.50%
Last UpdatedJune 12, 2026
Details
As Low As; months max
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 37 - 48 Months
12.20%
▼
APR12.20%
Last UpdatedJune 12, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation Loan
12.49%
▼
APR12.49%
Last UpdatedJune 12, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 49 - 60 Months (5K Plus)
13.25%
▼
APR13.25%
Last UpdatedJune 12, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
274 Rugar St, Plattsburgh, NY, 12901
Debt Consolidation Loan
13.50%
▼
APR13.50%
Last UpdatedJune 12, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Debt Consolidation Loan
14.50%
▼
APR14.50%
Last UpdatedJune 12, 2026
Details
No additional details available.
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.98%
1112 Saint Nicholas Ave, New York, NY, 10032
Debt Consolidation Loans
18.00%
▼
APR18.00%
Last UpdatedJune 12, 2026
Details
Fixed rate; discount with direct deposit; $20 application fee; 1% origination fee (upon approval of the loan); Amount: $500-$10,000
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New York Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
4.00%
▼
APR4.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
Personal Signature Loans
4.90%
▼
APR4.90%
Last UpdatedJune 12, 2026
Details
No additional details available.
IAM Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.38%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Non-Collateral Signature Loans
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
As Low As
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
6.24%
▼
APR6.24%
Last UpdatedJune 12, 2026
Details
No additional details available.
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MonitorBankRates
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.
Personal Loan — NY Avg
10.048%
▲ 0.039 vs 7 days ago
New York personal loan rates rose 0.039 points over the past 7 days to 10.048% APR.
Signature Loan — NY Avg
9.666%
▲ 0.182 vs 7 days ago
New York signature loan rates rose 0.182 points over the past 7 days to 9.666% APR.
As of Jun 12, 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 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?
Most lenders in New York 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 York often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in New York 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 York?
Yes. Debt consolidation is one of the most common uses of personal loans in New York. 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 New York?
Credit unions in New York 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 New York?
- Finger Lakes Federal Credit Union: 3.99% (Graduate Loan)
- Affinity One Federal Credit Union: 3.99% (36 Months Loan)
- ADVANTAGE FINANCIAL: 3.99% (Balance Transfers Loan)
- First Choice Financial Federal Credit Union: 3.99% (2023 & Newer Loan)
- FASNY Federal Credit Union: 3.99% (24 months Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 11, 2026.
