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, FNB of ScotiaFNB of Scotia120 Erie Blvd, Schenectady, NY, 12305A5.0 ★Texas Ratio: 8.63% offering Personal Loan at 6.00% APR, and BROADVIEWBROADVIEW3200 Balltown Rd, Schenectady, NY, 12304A+5.0 ★Texas Ratio: 0.00% offering Sportscraft Loan at 8.24% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Schenectady has 6 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 27, 2026
No additional details available.
Actual rate offered may vary.
Secured by Shares
Actual rate offered may vary.
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
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.
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.
No additional details available.
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
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.
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
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.
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.
No additional details available.
No additional details available.
No additional details available.
$1,000 minimum to open
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Unsecured
No additional details available.
As Low As; $1,000 minimum to open
No additional details available.
As Low As; Intro rate as low as 3.99% APR*
As Low As; 3.99% APR*
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
seasonal
As Low As; 4.99% APR*
As Low As; 4.99% APR*
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.
As Low As
As Low As
As Low As
As Low As; 5.49% APR*
As Low As; 5.49% APR*
$50,000; As Low As
As Low As
As Low As
As Low As; New car for the used car price
As Low As; 5.74% APR*
Primary 1-2 Family Homes, Primary Condominiums & Coops
No additional details available.
As Low As; 5.99% APR*
As Low As; 5.99% APR*
As Low As
No additional details available.
As Low As
No additional details available.
$3,000 available October 15- December 29
As Low As
No additional details available.
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
No additional details available.
No additional details available.
As Low As; Rates are based on credit history and term
No additional details available.
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
As Low As; w/ Auto Pay Discount
As Low As
As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As; 6.49% APR*
As Low As; 6.49% APR*
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As; Special fixed up to 15 months!
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; 6.74% APR*
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
$4,999
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Rates are based on credit history and term
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums
No additional details available.
As Low As
new rates require a minimum advance of $1,000.00
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; 6.99% APR*
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; 7.24% APR*
No additional details available.
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; Up to 60 months
No additional details available.
$8,000 - $10,000
No additional details available.
Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums
As Low As; w/ Auto Pay Discount
As Low As
As Low As
As Low As
As Low As
$300 - $25,000; As Low As
As Low As
As Low As; w/ Auto Pay Discount: as low as 7.39%
As Low As; Starting at 7.49%
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As; Fixed up to 36 months
No additional details available.
No additional details available.
$15
No additional details available.
As Low As; Rates are based on credit history and term
As Low As
As Low As
No additional details available.
No additional details available.
FIXED APR WITH AUTO PAY
No additional details available.
As Low As
As Low As
Secured by Shares
As Low As; With 1st National Deposit Account as Collateral
Secured by Share Certificate
As Low As
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.
No additional details available.
No additional details available.
No additional details available.
$1,000 minimum to open
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Unsecured
No additional details available.
As Low As; $1,000 minimum to open
As Low As
No additional details available.
As Low As; New car for the used car price
No additional details available.
As Low As; w/ Auto Pay Discount
As Low As
As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As; Special fixed up to 15 months!
No additional details available.
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
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; w/ Auto Pay Discount
As Low As
As Low As
$300 - $25,000; As Low As
As Low As; w/ Auto Pay Discount: as low as 7.39%
As Low As; Starting at 7.49%
No additional details available.
As Low As
As Low As; Fixed up to 36 months
No additional details available.
No additional details available.
FIXED APR WITH AUTO PAY
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.
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
No additional details available.
No additional details available.
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.
No additional details available.
As Low As
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
No additional details available.
As Low As; 10.50%
No additional details available.
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
No additional details available.
As Low As; 11.50%
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
discount with direct deposit
No additional details available.
$4,999
new rates require a minimum advance of $1,000.00
As Low As
As Low As
$8,000 - $10,000
As Low As
As Low As
No additional details available.
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
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 rose 0.051 points over the past 7 days to 9.831% APR.
New York signature loan rates fell 0.328 points over the past 7 days to 9.520% 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)
- FNB of Scotia: 6.00% (Personal Loan)
- BROADVIEW: 8.24% (Sportscraft Loan)
Personal Loan Calculators
