Best Personal Loan Rates in North Tonawanda, 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 North Tonawanda, New York include: Citizens BankCitizens Bank301 Meadow Dr, North Tonawanda, NY, 14120A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, Northwest Bank Warren, PANorthwest Bank Warren, PA1035 Payne Ave, North Tonawanda, NY, 14120A+5.0 ★Texas Ratio: 5.33% offering Equipment Term Loans at 5.99% APR, NIAGARAS CHOICENIAGARAS CHOICE3577 Niagara Falls Blvd, North Tonawanda, NY, 14120A+5.0 ★Texas Ratio: 0.16% offering Signature (Personal Loan) at 8.80% APR, Cornerstone Community Federal Credit UnionCornerstone Community Federal Credit Union107 Main St, North Tonawanda, NY, 14120 5309A+5.0 ★Texas Ratio: 3.52% offering Personal Loan at 9.49% APR, and NIAGARA REGIONALNIAGARA REGIONAL1285 Erie Ave, North Tonawanda, NY, 14120F1.0 ★Texas Ratio: 63.89% offering Personal Loan at 10.00% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
North Tonawanda has 6 local institutions in our database, with personal loan rates as low as 5.45% APR from Citizens Bank at 301 Meadow Dr, North Tonawanda, NY, 14120. 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 North Tonawanda, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in North Tonawanda, 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
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.
As Low As; Rate includes auto-pay discount of .25%
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Fixed rates
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Variable rates
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No additional details available.
As Low As; Up to $5,000.00; Special ends 3/31/2026
No additional details available.
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Secured by Shares
As Low As
Call the Credit Union for More Details or to Apply!
No additional details available.
As Low As
(seasonal)
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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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As Low As; with 1year repayment
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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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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No additional details available.
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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.
No additional details available.
No additional details available.
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1-Year Loan Term
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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
As Low As; Regular APR: 14.00%
As Low As; With 1st National Deposit Account as Collateral
No additional details available.
No additional details available.
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As Low As; Rates are based on credit history and term
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; 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
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As Low As; Winter Loan Sale
As Low As
No additional details available.
As Low As; RATES AND AMOUNTS ARE BASED ON CREDIT HISTORY
As Low As
No additional details available.
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As Low As; Personal Loan Rates
As Low As
No additional details available.
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.
No additional details available.
As Low As; Special fixed up to 15 months!
As Low As; Rates as low as 5.625% (6.508% APR)
No additional details available.
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As Low As; Rates are based on credit history and term
No additional details available.
No additional details available.
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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
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
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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As Low As; New electronics, home renovations, catch up on bills.
new rates require a minimum advance of $1,000.00
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As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
Secured by Share Certificate
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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
No additional details available.
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.
$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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Maximum Financing: $20,000
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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.
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As Low As
As Low As; Rate includes auto-pay discount of .25%
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Secured by Shares
No additional details available.
As Low As; Max $2,500
As Low As; With 1st National Deposit Account as Collateral
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
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
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Range: 640-679; Rating: B; Max Term
As Low As; Personal Loan Rates
As Low As; Credit Score 640-679
As Low As; Special fixed up to 15 months!
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; 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
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
Secured by Share Certificate
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As Low As
No additional details available.
No additional details available.
No additional details available.
Maximum Financing: $20,000
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.
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.
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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.
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As Low As; Amount of Loan: Up to $20,000
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No additional details available.
No additional details available.
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As Low As; 12-24 months max
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up to 48 months
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49 to 60 months
As Low As; *APR Indicates Annual Percentage Rate. All rates are subject to change. Rates are based on a member's credit. The rate you qualify for may be higher than the low as rates indicated. These rates also assume A credit with automatic payment made from your E&G checking account. Please call the credit union or click here for complete rate details.
As Low As
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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)
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
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
$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
North Tonawanda, NY Personal Loan Rate Trends
Compare local North Tonawanda, 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 0.942 points over the past 7 days to 9.752% APR.
New York signature loan rates fell 0.500 points over the past 7 days to 9.642% 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 North Tonawanda, New York?
What are the best personal loan rates in North Tonawanda, New York?
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
- Northwest Bank Warren, PA: 5.99% (Equipment Term Loans)
- NIAGARAS CHOICE: 8.80% (Signature (Personal Loan))
- Cornerstone Community Federal Credit Union: 9.49% (Personal Loan)
- NIAGARA REGIONAL: 10.00% (Personal Loan)
Personal Loan Calculators
