Best Personal Loan Rates in Niagara Falls, 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 Niagara Falls, New York include: Niagara Falls Teachers Federal Credit UnionNiagara Falls Teachers Federal Credit Union6040 Lindbergh Ave, Niagara Falls, NY, 14304 3150A+5.0 ★Texas Ratio: 0.00% offering Summer/Holiday Loan at 5.00% APR, Citizens BankCitizens Bank8298 Niagara Falls Blvd, Niagara Falls, NY, 14304A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, Northwest Bank Warren, PANorthwest Bank Warren, PA4381 Military Rd, Niagara Falls, NY, 14305A+5.0 ★Texas Ratio: 5.33% offering Equipment Term Loans at 5.99% APR, Niagara Falls Air Force Federal Credit UnionNiagara Falls Air Force Federal Credit Union2420 Olmstead St, Niagara Falls, NY, 14304 5066A+5.0 ★Texas Ratio: 1.70% offering Unsecured A+ at 8.45% APR, and NIAGARAS CHOICENIAGARAS CHOICE3619 Packard Rd, Niagara Falls, NY, 14303 2224A+5.0 ★Texas Ratio: 0.16% offering Signature (Personal Loan) at 8.80% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Niagara Falls has 8 local institutions in our database, with personal loan rates as low as 5.00% APR from Niagara Falls Teachers Federal Credit Union at 6040 Lindbergh Ave, Niagara Falls, NY, 14304 3150. 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 Niagara Falls, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Niagara Falls, 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 6, 2026
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.
As Low As; with 1year repayment
Fixed rates
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
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.
$8,000
As Low As; Rate includes auto-pay discount of .25%
$8,000
$8,000
$8,000
As Low As
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.
As Low As
$8,000
$7,000
Fixed rates
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Variable rates
$8,000
As Low As
$7,000
$7,000
$5,000
$5,000
$5,000
$2,500
$2,500
$2,500
As Low As
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.
As Low As
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
Actual rate offered may vary.
No additional details available.
(seasonal)
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
No additional details available.
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As Low As; Max $2,500
$50,000; As Low As
As Low As
As Low As; Winter Loan Sale
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No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
New money only, promotional Rate
No additional details available.
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As Low As
No additional details available.
No additional details available.
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
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
available October 15th
available October 15- December 29
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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
$3,000; available October 15- December 29, 2025
No additional details available.
Range: 730+; Rating: A+; Max Term
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 CANNOT be used to pay off/refinance existing GWFCU loans.
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.
As Low As; RATES AND AMOUNTS ARE BASED ON CREDIT HISTORY
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.
As Low As; RATES AND AMOUNTS ARE BASED ON CREDIT HISTORY
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
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
No additional details available.
As Low As; Special fixed up to 15 months!
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.
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; Rates are based on credit history and term
As Low As
No additional details available.
No additional details available.
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No additional details available.
Range: 600-639; Rating: C; Max Term
As Low As; Credit Score 600-639
No additional details available.
No additional details available.
No additional details available.
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
As Low As; New electronics, home renovations, catch up on bills.
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.
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New money only, promotional Rate
As Low As
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No additional details available.
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As Low As; longer terms with slightly higher rates are available
Credit Score: 730 +
Maximum Financing: $20,000
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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.
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Rate includes auto-pay discount of .25%
As Low As
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.
As Low As
As Low As
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.
As Low As; With 1st National Deposit Account as Collateral
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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; 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; Special fixed up to 15 months!
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; 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
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.
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No additional details available.
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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
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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
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up to 48 months
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49 to 60 months
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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; Rate includes auto-pay discount of .25%
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
Niagara Falls, NY Personal Loan Rate Trends
Compare local Niagara Falls, 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 0.061 points over the past 7 days to 9.809% 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 Niagara Falls, New York?
What are the best personal loan rates in Niagara Falls, New York?
- Niagara Falls Teachers Federal Credit Union: 5.00% (Summer/Holiday Loan)
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
- Northwest Bank Warren, PA: 5.99% (Equipment Term Loans)
- Niagara Falls Air Force Federal Credit Union: 8.45% (Unsecured A+)
- NIAGARAS CHOICE: 8.80% (Signature (Personal Loan))
Personal Loan Calculators
