Best Personal Loan Rates in Poughkeepsie, New York (NY) - May 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 Poughkeepsie, New York include: TrustCo BankTrustCo Bank2656 S Rd (rt 9), Poughkeepsie, NY, 12601A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Mid-Hudson Valley Federal Credit UnionMid-Hudson Valley Federal Credit Union21 Burnett Blvd, Poughkeepsie, NY, 12603A+5.0 ★Texas Ratio: 3.48% offering SONYMA Loan at 5.57% APR, Ulster Savings BankUlster Savings Bank39 Burnett Blvd, Poughkeepsie, NY, 12603A+5.0 ★Texas Ratio: 5.39% offering SONYMA Loan at 5.68% APR, TEG Federal Credit UnionTEG Federal Credit Union1 Commerce St, Poughkeepsie, NY, 12603A+5.0 ★Texas Ratio: 2.58% offering Personal Loans at 7.99% APR, and Hudson Valley Credit UnionHudson Valley Credit Union2373 South Rd, Poughkeepsie, NY, 12601 5585A+5.0 ★Texas Ratio: 3.74% offering 180 Month Loan LTV up to 125% at 9.00% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Poughkeepsie has 5 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 2656 S Rd (rt 9), Poughkeepsie, NY, 12601. 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 Poughkeepsie, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Poughkeepsie, 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: May 23, 2026
Poughkeepsie Personal Loan Rates
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$300 - $25,000; As Low As
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Lock in 3.99% on balance transfers.
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Up to 100% NADA + Tax + Warranty
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ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts
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Up to 100% NADA + Tax + Warranty
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Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
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Up to 100% NADA + Tax + Warranty
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Call the Credit Union for More Details or to Apply!
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Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
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As Low As; *Rates below are based on a credit score of 730 or higher.
(seasonal)
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As Low As; Up to 100% Collateralized Share Balance
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As Low As; When you contact them, make sure we are the lien holder on the vehicle
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.
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As Low As; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown.
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As Low As; Loans $50,000 up to $250,000
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Up to 100% NADA + Tax + Warranty
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As Low As; When you contact them, make sure we are the lien holder on the vehicle
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Up to 100% NADA + Tax + Warranty
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As Low As; for up to 5 years
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Beacon Score: 725+
Primary 1-2 Family Homes, Primary Condominiums & Coops
Subject to credit approval. Stated rates based on credit worthiness. Loan rates available for up to 110% Loan to Value of vehicle. "Vehicle" is defined as a car or light truck/van. 0.50% discount for new and used Electronic Vehicles (excluding Hybrids).
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up to 72 months
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Limited Time!
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; When you contact them, make sure we are the lien holder on the vehicle
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As Low As; With 1st National Deposit Account as Collateral
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
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ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts
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As Low As; Rates are based on credit history and term
As Low As; Range: 730+
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Beacon Score: 725+
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Primary 1 & 2 Family Homes, Primary Condominiums & Coops
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Up to 100% NADA + Tax + Warranty
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ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts
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As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; Range: 640-679
As Low As; When you contact them, make sure we are the lien holder on the vehicle
As Low As; Special fixed up to 15 months!
As Low As; Borrow up to $25,000
As Low As; Loan Amount: $500 - $25,000
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Poughkeepsie Personal Loan Rates
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$300 - $25,000; As Low As
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$300 - $25,000; As Low As
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As Low As; Above $30,000
As Low As; Above $30,000
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
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As Low As; With 1st National Deposit Account as Collateral
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; Range: 730+
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As Low As; Loan Amount: $500 - $25,000
As Low As; Special fixed up to 15 months!
As Low As; Range: 640-679
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Poughkeepsie Debt Consolidation Loan Rates
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As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
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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.
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up to 48 months
49 to 60 months
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discount with direct deposit
Poughkeepsie Signature Loan Rates
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As Low As; Up to 100% Collateralized Share Balance
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Poughkeepsie, NY Personal Loan Rate Trends
Compare local Poughkeepsie, 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 0.477 points over the past 7 days to 10.136% APR.
New York signature loan rates rose 0.429 points over the past 7 days to 9.503% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Poughkeepsie, New York personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Poughkeepsie, New York directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Poughkeepsie, New York. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NY.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
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 Poughkeepsie, New York?
What are the best personal loan rates in Poughkeepsie, New York?
- TrustCo Bank: 4.00% (Passbook Loan)
- Mid-Hudson Valley Federal Credit Union: 5.57% (SONYMA Loan)
- Ulster Savings Bank: 5.68% (SONYMA Loan)
- TEG Federal Credit Union: 7.99% (Personal Loans)
- Hudson Valley Credit Union: 9.00% (180 Month Loan LTV up to 125%)
Poughkeepsie, New York Rates & Resources
Personal Loan Calculators
