Best Personal Loan Rates in Ballston Spa, New York (NY) - April 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 Ballston Spa, New York include: TrustCo BankTrustCo Bank2 Trieble Ave, Ballston Spa, NY, 12020A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Sunmark Credit UnionSunmark Credit Union24 Trieble Ave, Ballston Spa, NY, 12020 6009A5.0 ★Texas Ratio: 11.71% offering Personal Loans & Lines of Credit at 4.74% APR, TCT Federal Credit UnionTCT Federal Credit Union416 Rowland St, Ballston Spa, NY, 12020A+5.0 ★Texas Ratio: 2.53% offering Credit Builder Loan at 6.00% APR, Stewarts Federal Credit UnionStewarts Federal Credit Union2911 State Route 9, Ballston Spa, NY, 12020A+5.0 ★Texas Ratio: 3.64% offering Recreational Loans at 7.89% APR, and GPO Federal Credit UnionGPO Federal Credit UnionA+5.0 ★Texas Ratio: 2.06% offering Boost Credit Loan at 3.99% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Ballston Spa has 4 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 2 Trieble Ave, Ballston Spa, NY, 12020. 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 Ballston Spa, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Ballston Spa, 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: April 11, 2026
No additional details available.
Secured by Shares
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
Secured by Share Certificate
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
As Low As; The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
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As Low As; The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
No additional details available.
No additional details available.
$1,000 minimum to open
No additional details available.
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Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
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Call the Credit Union for More Details or to Apply!
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(seasonal)
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Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
No additional details available.
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
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.
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$50,000; As Low As
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As Low As; Max $2,500
As Low As; Winter Loan Sale
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Primary 1-2 Family Homes, Primary Condominiums & Coops
No additional details available.
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As Low As; With 1st National Deposit Account as Collateral
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
$3,000 available October 15- December 29
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No additional details available.
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1-Year Loan Term
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; Regular APR: 14.00%
No additional details available.
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
Range: 730+; Rating: A+; Max Term
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As Low As; Rates are based on credit history and term
No additional details available.
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; Credit Score 730+
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds must be paid directly to college or university OR direct to pay off existing student loans. There is no payment deferment.
As Low As; Must be used to transfer credit cards or outstanding loans only and cannot be used to pay off existing GWFCU loans or credit cards - Only Available to "A+," "A," "B," and "C."
No additional details available.
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
No additional details available.
As Low As; w/ Auto Pay Discount
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As Low As; Winter Loan Sale
As Low As; Special fixed up to 15 months!
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As Low As; Personal Loan Rates
Range: 640-679; Rating: B; Max Term
As Low As; Credit Score 640-679
No additional details available.
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As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
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As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
As Low As; Credit Score 600-639
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As Low As; Rates are based on credit history and term
Range: 600-639; Rating: C; Max Term
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
No additional details available.
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Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums
As Low As; New electronics, home renovations, catch up on bills.
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No additional details available.
new rates require a minimum advance of $1,000.00
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As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
As Low As; Offer available through August 31, 2026.
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
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As Low As; longer terms with slightly higher rates are available
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As Low As; Only Available to "A+," "A," "B," and "C." Purchase or Refinance. Available for single residential lots up to 5 acres. Same requirements as First Mortgage Loans incl. app fee.
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Maximum Financing: $20,000
Credit Score: 730 +
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No additional details available.
As Low As; Effective through March 31st, 2026. Terms and conditions apply. All applications are subject to credit approval.
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No additional details available.
Secured by Shares
Secured by Share Certificate
As Low As; The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
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As Low As; The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
No additional details available.
$1,000 minimum to open
No additional details available.
No additional details available.
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
As Low As; Max $2,500
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No additional details available.
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
1-Year Loan Term
As Low As; With 1st National Deposit Account as Collateral
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; Credit Score 730+
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Range: 730+; Rating: A+; Max Term
As Low As; w/ Auto Pay Discount
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As Low As; Credit Score 640-679
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Range: 640-679; Rating: B; Max Term
As Low As; Personal Loan Rates
As Low As; Special fixed up to 15 months!
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
No additional details available.
Range: 600-639; Rating: C; Max Term
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; Credit Score 600-639
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No additional details available.
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Maximum Financing: $20,000
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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No additional details available.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; New electronics, home renovations, catch up on bills.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
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As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
Credit Limit: $10,000 Single / $20,000 Joint Maximum
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Credit Limit: $10,000 Single / $20,000 Joint Maximum
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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.
As Low As; Amount of Loan: Up to $20,000
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As Low As; 12-24 months max
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up to 48 months
49 to 60 months
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As Low As; 25-60 months max
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discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
As Low As
No additional details available.
No additional details available.
new rates require a minimum advance of $1,000.00
Maximum Financing: $20,000
As Low As; longer terms with slightly higher rates are available
As Low As
As Low As
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Ballston Spa, NY Personal Loan Rate Trends
Compare local Ballston Spa, NY 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 rose 0.280 points over the past 7 days to 10.082% APR.
New York signature loan rates rose 0.130 points over the past 7 days to 9.778% APR.
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 Ballston Spa, New York?
What are the best personal loan rates in Ballston Spa, New York?
- TrustCo Bank: 4.00% (Passbook Loan)
- Sunmark Credit Union: 4.74% (Personal Loans & Lines of Credit)
- TCT Federal Credit Union: 6.00% (Credit Builder Loan)
- Stewarts Federal Credit Union: 7.89% (Recreational Loans)
- GPO Federal Credit Union: 3.99% (Boost Credit Loan)
Personal Loan Calculators
