Best Personal Loan Rates in Fayette, 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 Fayette, New York include: GPO Federal Credit UnionGPO Federal Credit UnionA+5.0 ★Texas Ratio: 2.06% offering Boost Credit Loan at 3.99% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, First New York Federal Credit UnionFirst New York Federal Credit UnionA+5.0 ★Texas Ratio: 5.90% offering Solar Loan at 4.74% APR, and First Source Federal Credit UnionFirst Source Federal Credit UnionA5.0 ★Texas Ratio: 8.13% offering Mechanical Breakdown Protection Loan at 4.74% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Fayette borrowers have access to 60 lenders serving the New York area, with personal loan rates as low as 3.99% APR from GPO Federal Credit Union. 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 Fayette, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Fayette, 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 19, 2026
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No additional details available.
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Actual rate offered may vary.
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Secured by Shares
No additional details available.
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Actual rate offered may vary.
(seasonal)
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No additional details available.
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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Primary 1-2 Family Homes, Primary Condominiums & Coops
No additional details available.
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$3,000 available October 15- December 29
No additional details available.
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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; With 1st National Deposit Account as Collateral
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
As Low As; Regular APR: 14.00%
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
No additional details available.
No additional details available.
As Low As; Rates are based on credit history and term
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No additional details available.
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
As Low As; w/ Auto Pay Discount
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As Low As; w/ Auto Pay Discount: as low as 6.39%
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As Low As; Special fixed up to 15 months!
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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.
No additional details available.
As Low As; Rates are based on credit history and term
No additional details available.
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Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums
No additional details available.
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new rates require a minimum advance of $1,000.00
No additional details available.
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Secured by Share Certificate
No additional details available.
No additional details available.
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$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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No additional details available.
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Credit Limit: $10,000 Single / $20,000 Joint Maximum
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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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.
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As Low As; Up to 60 months
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Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums
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As Low As; Up to $25,000
As Low As; w/ Auto Pay Discount: as low as 7.39%
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$300 - $25,000; As Low As
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No additional details available.
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Credit Score 760+, Credit Tier A+
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$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
No additional details available.
Secured by Shares
As Low As
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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No additional details available.
As Low As; With 1st National Deposit Account as Collateral
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
As Low As; w/ Auto Pay Discount
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As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As; Special fixed up to 15 months!
No additional details available.
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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.
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No additional details available.
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Secured by Share Certificate
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; The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
As Low As; w/ Auto Pay Discount
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$300 - $25,000; As Low As
As Low As; Up to $25,000
As Low As; w/ Auto Pay Discount: as low as 7.39%
No additional details available.
Credit Score 760+, Credit Tier A+
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
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; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
No additional details available.
No additional details available.
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.
No additional details available.
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No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
No additional details available.
No additional details available.
As Low As; months max
up to 48 months
49 to 60 months
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As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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No additional details available.
As Low As; months max
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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No additional details available.
discount with direct deposit
No additional details available.
No additional details available.
new rates require a minimum advance of $1,000.00
No additional details available.
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No additional details available.
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$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
Fayette, NY Personal Loan Rate Trends
Compare local Fayette, 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 fell 0.089 points over the past 7 days to 9.993% APR.
New York signature loan rates rose 0.042 points over the past 7 days to 9.820% 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 Fayette, New York?
What are the best personal loan rates in Fayette, New York?
- GPO Federal Credit Union: 3.99% (Boost Credit Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- First New York Federal Credit Union: 4.74% (Solar Loan)
- First Source Federal Credit Union: 4.74% (Mechanical Breakdown Protection Loan)
Personal Loan Calculators
