Best Personal Loan Rates in Buffalo, New York (NY) - April 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 Buffalo, New York include: Cadets Federal Credit UnionCadets Federal Credit Union927 Grant St, Buffalo, NY, 14207 2820A5.0 ★Texas Ratio: 9.09% offering 12 Month Short Term Loan at 4.75% APR, Erie County Employees Credit UnionErie County Employees Credit Union95 Franklin St, Buffalo, NY, 14202 3927A+5.0 ★Texas Ratio: 0.99% offering Loan at 4.99% APR, Kenmore NY Teachers Federal Credit UnionKenmore NY Teachers Federal Credit Union2265 Sheridan Dr, Buffalo, NY, 14223 1531A+5.0 ★Texas Ratio: 4.23% offering UnLOCk Personal Line-of-Credit at 5.99% APR, One Credit UnionOne Credit Union130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465A+5.0 ★Texas Ratio: 1.59% offering Personal Lifestyle Loan at 6.50% APR, and Kaleida Health Federal Credit UnionKaleida Health Federal Credit Union100 High St, Buffalo, NY, 14203 1126A+5.0 ★Texas Ratio: 0.49% offering Unsecured k at 7.75% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Buffalo has 12 local institutions in our database, with personal loan rates as low as 4.75% APR from Cadets Federal Credit Union at 927 Grant St, Buffalo, NY, 14207 2820. 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 Buffalo, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Buffalo, 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 12, 2026
No additional details available.
As Low As
As Low As
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As
As Low As
As Low As
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As
As Low As
As Low As; APR = Annual Percentage Rate. Advertised rate is "as low as" and is determined by the credit worthiness of each applicant. Rates are subject to change without notice. Rates are for new ONE Credit Union loans, current ONE Credit Union loans are not eligible for rate refinancing. At 6.50% APR you will make 24 monthly payments of $45 per $1,000 of the loan. **Not all loans qualify for 72 months. Please use our payment calculator for specific payment estimates.
As Low As
As Low As
As Low As
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; APR = Annual Percentage Rate. Advertised rate is "as low as" and is determined by the credit worthiness of each applicant. Rates are subject to change without notice. Rates are for new ONE Credit Union loans, current ONE Credit Union loans are not eligible for rate refinancing. At 6.50% APR you will make 24 monthly payments of $45 per $1,000 of the loan. **Not all loans qualify for 72 months. Please use our payment calculator for specific payment estimates.
As Low As; Up to 60 months
As Low As
As Low As; APR = Annual Percentage Rate. Advertised rate is "as low as" and is determined by the credit worthiness of each applicant. Rates are subject to change without notice. Rates are for new ONE Credit Union loans, current ONE Credit Union loans are not eligible for rate refinancing. At 6.50% APR you will make 24 monthly payments of $45 per $1,000 of the loan. **Not all loans qualify for 72 months. Please use our payment calculator for specific payment estimates.
$15
FIXED APR WITH AUTO PAY
As Low As
No additional details available.
As Low As
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; APR = Annual Percentage Rate. Advertised rate is "as low as" and is determined by the credit worthiness of each applicant. Rates are subject to change without notice. Rates are for new ONE Credit Union loans, current ONE Credit Union loans are not eligible for rate refinancing. At 6.50% APR you will make 24 monthly payments of $45 per $1,000 of the loan. **Not all loans qualify for 72 months. Please use our payment calculator for specific payment estimates.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
As Low As; 61 - 120 months
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
As Low As; APR = Annual Percentage Rate. Advertised rate is "as low as" and is determined by the credit worthiness of each applicant. Rates are subject to change without notice. Rates are for new ONE Credit Union loans, current ONE Credit Union loans are not eligible for rate refinancing. At 6.50% APR you will make 24 monthly payments of $45 per $1,000 of the loan. **Not all loans qualify for 72 months. Please use our payment calculator for specific payment estimates.
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As
As Low As
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As
As Low As
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
$15
As Low As
As Low As
As Low As
3% interest rate reduction with payroll deduction; Application Fee - $20.00; Late Fee - $30.00 after 15 days; Limit $200.00 - $1000.00
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
Secured by Shares
Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
As Low As
As Low As
Call the Credit Union for More Details or to Apply!
No additional details available.
As Low As
Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
As Low As
(seasonal)
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.
No additional details available.
As Low As
As Low As
$50,000; As Low As
As Low As
As Low As; Max $2,500
As Low As; Winter Loan Sale
As Low As
As Low As
As Low As
Primary 1-2 Family Homes, Primary Condominiums & Coops
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
$3,000 available October 15- December 29
As Low As; With 1st National Deposit Account as Collateral
No additional details available.
No additional details available.
1-Year Loan Term
As Low As; Regular APR: 14.00%
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
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.
As Low As
As Low As; Rates are based on credit history and term
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.
Range: 730+; Rating: A+; Max Term
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
No additional details available.
As Low As; w/ Auto Pay Discount
As Low As
As Low As
As Low As; Winter Loan Sale
As Low As
As Low As
No additional details available.
No additional details available.
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
As Low As; Special fixed up to 15 months!
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
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.
No additional details available.
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.
As Low As; Credit Score 600-639
No additional details available.
No additional details available.
No additional details available.
Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums
As Low As
As Low As; New electronics, home renovations, catch up on bills.
No additional details available.
new rates require a minimum advance of $1,000.00
As Low As
As Low As
As Low As; Offer available through August 31, 2026.
As Low As
Secured by Share Certificate
As Low As
As Low As
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
No additional details available.
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.
No additional details available.
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
As Low As
No additional details available.
As Low As; longer terms with slightly higher rates are available
Maximum Financing: $20,000
As Low As
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.
No additional details available.
No additional details available.
No additional details available.
Credit Score: 730 +
As Low As
As Low As
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.
As Low As; Effective through March 31st, 2026. Terms and conditions apply. All applications are subject to credit approval.
As Low As
As Low As
No additional details available.
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As
Credit Limit: $7,500 Single / $15,000 Joint Maximum
FIXED APR WITH AUTO PAY
As Low As
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
No additional details available.
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
Secured by Shares
No additional details available.
As Low As; Max $2,500
As Low As
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
Range: 730+; Rating: A+; 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 730+
As Low As; w/ Auto Pay Discount
As Low As
As Low As
As Low As
As Low As
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; 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
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
Secured by Share Certificate
No additional details available.
Maximum Financing: $20,000
No additional details available.
As Low As
As Low As; The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; New electronics, home renovations, catch up on bills.
As Low As
No additional details available.
No additional details available.
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
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
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As; 12-24 months max
As Low As
up to 48 months
49 to 60 months
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As; 25-60 months max
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
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
Buffalo, NY Personal Loan Rate Trends
Compare local Buffalo, 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 currently average 10.082% APR.
New York signature loan rates currently average 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 Buffalo, New York?
What are the best personal loan rates in Buffalo, New York?
- Cadets Federal Credit Union: 4.75% (12 Month Short Term Loan)
- Erie County Employees Credit Union: 4.99% (Loan)
- Kenmore NY Teachers Federal Credit Union: 5.99% (UnLOCk Personal Line-of-Credit)
- One Credit Union: 6.50% (Personal Lifestyle Loan)
- Kaleida Health Federal Credit Union: 7.75% (Unsecured k)
Personal Loan Calculators
