Best Personal Loan Rates in Dunkirk, 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 Dunkirk, New York include: Greater Woodlawn Federal Credit UnionGreater Woodlawn Federal Credit Union3995 VINEYARD DR, DUNKIRK, NY, 14048A+5.0 ★Texas Ratio: 0.35% offering Vacation Loan Special at 4.95% APR, GREATER CHAUTAUQUAGREATER CHAUTAUQUA57 Lake Shore Dr W, Dunkirk, NY, 14048 1517C4.0 ★Texas Ratio: 26.83% offering Signature Loans at 7.45% APR, Community BankCommunity Bank345 Central Ave, Dunkirk, NY, 14048A+5.0 ★Texas Ratio: 3.23% offering Unsecured personal loan at 7.89% APR, GPO Federal Credit UnionGPO Federal Credit UnionA+5.0 ★Texas Ratio: 2.06% offering Boost Credit Loan at 3.99% APR, and TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Dunkirk has 3 local institutions in our database, with personal loan rates as low as 4.95% APR from Greater Woodlawn Federal Credit Union at 3995 VINEYARD DR, DUNKIRK, NY, 14048. 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 Dunkirk, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Dunkirk, 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 9, 2026
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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.
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."
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; 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
Range: 640-679; Rating: B; 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 640-679
As Low As; Credit Score 600-639
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Range: 600-639; Rating: C; Max Term
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.
As Low As
As Low As; Advertised Annual Percentage Rate accurate as of 7/22/2025 and are subject to change without notice. 7.89% APR available to qualified borrowers: 1). Requesting a minimum loan amount of $7,500; 2) With a bank-obtained credit score of at least 740; 3). Who have an eligible CBNA checking account (Includes: CBNA Carefree Checking, Premium Checking, or 50 Direct Checking); AND 4). With autopay from an eligible CBNA checking account. Maximum Loan Term is 60 months. Minimum Period for Repayment: 12 Months. Credit scores below 740 can range up to a maximum APR of 16.00% (rate without eligible CBNA checking account discount and without autopay discount). No origination fee, No Pre-payment penalty fee. For example, a 60-month $15,000 unsecured loan with an 7.89% interest rate would have 60 scheduled monthly payments of approximately $303.37.Other terms and conditions may apply. Call for details.
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As Low As; Credit Score 550-599
Range: 550-599; Rating: D; Max Term
As Low As; Credit Score Under 550
Range: Under 550; Rating: E; Max Term
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As Low As
No additional details available.
As Low As; Up to $5,000.00; Special ends 3/31/2026
No additional details available.
As Low As
Actual rate offered may vary.
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Secured by Shares
No additional details available.
As Low As
Call the Credit Union for More Details or to Apply!
No additional details available.
As Low As
As Low As
(seasonal)
No additional details available.
Actual rate offered may vary.
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.
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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As Low As; with 1year repayment
Fixed rates
As Low As; Max $2,500
$50,000; As Low As
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As Low As; Winter Loan Sale
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Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
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No additional details available.
No additional details available.
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No additional details available.
New money only, promotional Rate
No additional details available.
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Offer valid on equipment term loans only. No lines of credit. Offer expires 4/15/2026. No refinancing of Northwest exisiting debt. SBA Loans and business credit cards are not eligible for promotional offer. All standard rates and terms apply. See bank for detials.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
1-Year Loan Term
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
available October 15th
$3,000; available October 15- December 29, 2025
available October 15- December 29
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; Regular APR: 14.00%
As Low As; With 1st National Deposit Account as Collateral
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
As Low As; Rates are based on credit history and term
As Low As
As Low As; RATES AND AMOUNTS ARE BASED ON CREDIT HISTORY
No additional details available.
No additional details available.
No additional details available.
As Low As; w/ Auto Pay Discount
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As Low As; Winter Loan Sale
As Low As
No additional details available.
As Low As
As Low As; RATES AND AMOUNTS ARE BASED ON CREDIT HISTORY
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As Low As; Personal Loan Rates
No additional details available.
As Low As; Special fixed up to 15 months!
No additional details available.
No additional details available.
No additional details available.
As Low As; Rates as low as 5.625% (6.508% APR)
As Low As
As Low As
No additional details available.
As Low As
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.
As Low As
As Low As; Rates are based on credit history and term
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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No additional details available.
As Low As; New electronics, home renovations, catch up on bills.
As Low As
new rates require a minimum advance of $1,000.00
No additional details available.
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As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
Secured by Share Certificate
As Low As; Offer available through August 31, 2026.
As Low As
No additional details available.
As Low As
New money only, promotional Rate
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As Low As
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; longer terms with slightly higher rates are available
Credit Score: 730 +
Maximum Financing: $20,000
As Low As
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
No additional details available.
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As Low As
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; 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.
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; Credit Score 600-639
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Range: 600-639; Rating: C; Max Term
As Low As; Advertised Annual Percentage Rate accurate as of 7/22/2025 and are subject to change without notice. 7.89% APR available to qualified borrowers: 1). Requesting a minimum loan amount of $7,500; 2) With a bank-obtained credit score of at least 740; 3). Who have an eligible CBNA checking account (Includes: CBNA Carefree Checking, Premium Checking, or 50 Direct Checking); AND 4). With autopay from an eligible CBNA checking account. Maximum Loan Term is 60 months. Minimum Period for Repayment: 12 Months. Credit scores below 740 can range up to a maximum APR of 16.00% (rate without eligible CBNA checking account discount and without autopay discount). No origination fee, No Pre-payment penalty fee. For example, a 60-month $15,000 unsecured loan with an 7.89% interest rate would have 60 scheduled monthly payments of approximately $303.37.Other terms and conditions may apply. Call for details.
Range: 550-599; Rating: D; Max Term
As Low As; Credit Score 550-599
As Low As; Credit Score Under 550
Range: Under 550; Rating: E; Max Term
Secured by Shares
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; Max $2,500
As Low As
No additional details available.
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; w/ Auto Pay Discount
As Low As
As Low As
As Low As
As Low As
As Low As; Special fixed up to 15 months!
As Low As; Personal Loan Rates
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.
As Low As
No additional details available.
As Low As
As Low As
Secured by Share Certificate
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
Maximum Financing: $20,000
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
As Low As
No additional details available.
No additional details available.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
No additional details available.
No additional details available.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
Qualifications Required: direct deposit of net pay; a checking account; As Low As; Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
No additional details available.
As Low As
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
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up to 48 months
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49 to 60 months
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As Low As
No additional details available.
As Low As; 25-60 months max
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No additional details available.
discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
As Low As
As Low As
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
$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
Dunkirk, NY Personal Loan Rate Trends
Compare local Dunkirk, 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 0.044 points over the past 7 days to 9.804% APR.
New York signature loan rates fell 0.545 points over the past 7 days to 9.648% 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 Dunkirk, New York?
What are the best personal loan rates in Dunkirk, New York?
- Greater Woodlawn Federal Credit Union: 4.95% (Vacation Loan Special)
- GREATER CHAUTAUQUA: 7.45% (Signature Loans)
- Community Bank: 7.89% (Unsecured personal loan)
- GPO Federal Credit Union: 3.99% (Boost Credit Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
Personal Loan Calculators
