Best Personal Loan Rates in Schenectady, 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 Schenectady, New York include: TrustCo BankTrustCo Bank1048 State St, Schenectady, NY, 12307A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, First New York Federal Credit UnionFirst New York Federal Credit Union3085 Carman Rd, Schenectady, NY, 12303 4550A+5.0 ★Texas Ratio: 5.90% offering Solar Loan at 4.74% APR, Sunmark Credit UnionSunmark Credit Union1616 Broadway, Schenectady, NY, 12306A5.0 ★Texas Ratio: 11.71% offering Personal Loans & Lines of Credit at 4.74% APR, Citizens BankCitizens Bank1725 Altamont Ave, Schenectady, NY, 12303A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, and FNB of ScotiaFNB of Scotia120 Erie Blvd, Schenectady, NY, 12305A5.0 ★Texas Ratio: 8.63% offering Personal Loan at 6.00% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Schenectady has 10 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 1048 State St, Schenectady, NY, 12307. 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 Schenectady, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Schenectady, 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
No additional details available.
Actual rate offered may vary.
Secured by Shares
Actual rate offered may vary.
Fixed rates
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
As Low As; With 1st National Deposit Account as Collateral
Secured by Share Certificate
$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
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 03/23/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; borrow up to $7,500
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
As Low As; Stock listed on Exchange up to 2/3 value
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
As Low As; Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
Fixed rates
No additional details available.
As Low As; With Acceptable Collateral Secured
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
Variable rates
Credit Score: 740 & Above
As Low As
No additional details available.
No additional details available.
$1,000 minimum to open
No additional details available.
No additional details available.
As Low As; Unsecured
Credit Score: 700-739
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As; Up to $5,000.00; Special ends 3/31/2026
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
Call the Credit Union for More Details or to Apply!
No additional details available.
As Low As
As Low As
(seasonal)
As Low As
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.
No additional details available.
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As
As Low As
As Low As
As Low As; with 1year repayment
As Low As
$50,000; As Low As
As Low As; Max $2,500
As Low As; Winter Loan Sale
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
New money only, promotional Rate
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
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.
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
No additional details available.
As Low As
1-Year Loan Term
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; Regular APR: 14.00%
available October 15th
$3,000; available October 15- December 29, 2025
available October 15- December 29
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.
No additional details available.
As Low As
As Low As; Rates are based on credit history and term
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; 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
As Low As; Credit Score 730+
No additional details available.
As Low As; w/ Auto Pay Discount
As Low As
As Low As
As Low As
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.
As Low As
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.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As; Rates are based on credit history and 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.
As Low As
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.
As Low As
As Low As
No additional details available.
As Low As; Offer available through August 31, 2026.
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
As Low As
As Low As
New money only, promotional Rate
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As; longer terms with slightly higher rates are available
Credit Score: 730 +
Maximum Financing: $20,000
As Low As
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
Secured by Shares
As Low As; With 1st National Deposit Account as Collateral
Secured by Share Certificate
No additional details available.
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 03/23/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
No additional details available.
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
No additional details available.
As Low As; Stock listed on Exchange up to 2/3 value
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
No additional details available.
No additional details available.
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
As Low As; With Acceptable Collateral Secured
As Low As; A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above.
Credit Score: 740 & Above
As Low As
No additional details available.
No additional details available.
$1,000 minimum to open
No additional details available.
No additional details available.
As Low As; Unsecured
Credit Score: 700-739
No additional details available.
As Low As
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; 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
As Low As
As Low As
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
As Low As; Special fixed up to 15 months!
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
No additional details available.
As Low As
As Low As
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
Maximum Financing: $20,000
No additional details available.
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.
As Low As
As Low As
As Low As
No additional details available.
As Low As
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
As Low As
As Low As
No additional details available.
As Low As
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
As Low As
49 to 60 months
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As; 25-60 months max
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
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
Schenectady, NY Personal Loan Rate Trends
Compare local Schenectady, 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 0.206 points over the past 7 days to 9.809% APR.
New York signature loan rates currently average 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 Schenectady, New York?
What are the best personal loan rates in Schenectady, New York?
- TrustCo Bank: 4.00% (Passbook Loan)
- First New York Federal Credit Union: 4.74% (Solar Loan)
- Sunmark Credit Union: 4.74% (Personal Loans & Lines of Credit)
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
- FNB of Scotia: 6.00% (Personal Loan)
Personal Loan Calculators
