Best Personal Loan Rates in Lakewood, 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 Lakewood, New York include: Greater Woodlawn Federal Credit UnionGreater Woodlawn Federal Credit Union351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750A+5.0 ★Texas Ratio: 0.35% offering Vacation Loan Special at 4.95% APR, Community BankCommunity Bank1 W Fairmount Ave, Lakewood, NY, 14750A+5.0 ★Texas Ratio: 3.23% offering Unsecured Personal loan at 7.89% APR, Affinity One Federal Credit UnionAffinity One Federal Credit Union10 Sessions Ave, Lakewood, NY, 14750 2114A+5.0 ★Texas Ratio: 1.32% offering Signature Loan at 7.99% APR, Jamestown Area Community Federal Credit UnionJamestown Area Community Federal Credit Union121 Chautauqua Ave, Lakewood, NY, 14750A+5.0 ★Texas Ratio: 0.00% offering Unsecured Loan at 8.50% 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.
Lakewood has 4 local institutions in our database, with personal loan rates as low as 4.95% APR from Greater Woodlawn Federal Credit Union at 351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750. 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 Lakewood, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lakewood, 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
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.
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; 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; 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 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
Range: 600-639; Rating: C; 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.
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.
FIXED APR WITH AUTO PAY
No additional details available.
As Low As
As Low As; Credit Score 550-599
Range: 550-599; Rating: D; Max Term
Range: Under 550; Rating: E; Max Term
As Low As; Credit Score Under 550
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
No additional details available.
As Low As
Call the Credit Union for More Details or to Apply!
No additional details available.
(seasonal)
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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
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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.
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No additional details available.
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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.
No additional details available.
No additional details available.
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No additional details available.
No additional details available.
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No additional details available.
No additional details available.
As Low As; Regular APR: 14.00%
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
1-Year Loan Term
As Low As
No additional details available.
As Low As
As Low As; With 1st National Deposit Account as Collateral
$3,000 available October 15- December 29
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
No additional details available.
As Low As
As Low As; Rates are based on credit history and term
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
As Low As; Winter Loan Sale
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As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As; Personal Loan Rates
As Low As
As Low As; Special fixed up to 15 months!
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
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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.
As Low As
As Low As; Rates are based on credit history and term
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; New electronics, home renovations, catch up on bills.
As Low As
No additional details available.
new rates require a minimum advance of $1,000.00
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As Low As
No additional details available.
No additional details available.
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.
As Low As
Secured by Share Certificate
As Low As
As Low As
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
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.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As
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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.
No additional details available.
No additional details available.
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.
No additional details available.
As Low As
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
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.
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; 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
FIXED APR WITH AUTO PAY
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
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.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; With 1st National Deposit Account as Collateral
1-Year Loan Term
As Low As; w/ Auto Pay Discount
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As Low As
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As Low As
As Low As; Personal Loan Rates
As Low As; Special fixed up to 15 months!
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.
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.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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
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.
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
No additional details available.
No additional details available.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
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
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As Low As
No additional details available.
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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
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No additional details available.
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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)
No additional details available.
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
Lakewood, NY Personal Loan Rate Trends
Compare local Lakewood, 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 0.292 points over the past 7 days to 10.082% APR.
New York signature loan rates fell 0.084 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 Lakewood, New York?
What are the best personal loan rates in Lakewood, New York?
- Greater Woodlawn Federal Credit Union: 4.95% (Vacation Loan Special)
- Community Bank: 7.89% (Unsecured Personal loan)
- Affinity One Federal Credit Union: 7.99% (Signature Loan)
- Jamestown Area Community Federal Credit Union: 8.50% (Unsecured Loan)
- GPO Federal Credit Union: 3.99% (Boost Credit Loan)
Personal Loan Calculators
