MonitorBankRates
☰
Home › Personal Loans › North Carolina › Charlotte iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our editorial team independently verifies all rates and data displayed. Advertiser relationships do not influence our health rating, star rankings, Texas Ratio calculation, or the rates shown.

Best Personal Loan Rates in Charlotte, North Carolina (NC) - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to North Carolina borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: April 19, 2026

Current personal loan options available to borrowers in Charlotte, North Carolina include: Allegacy Federal Credit UnionAllegacy Federal Credit Union100 Queens Rd, Charlotte, NC, 28204A5.0 ★Texas Ratio: 6.91% offering Share Loan at 5.75% APR, Self-Help Credit UnionSelf-Help Credit Union1065 Providence Rd, Charlotte, NC, 28207 2568A5.0 ★Texas Ratio: 7.18% offering Energy Saver Loans at 5.75% APR, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union5023 Central Ave, Charlotte, NC, 28205A+5.0 ★Texas Ratio: 4.17% offering Personal Loans at 6.75% APR, Latino Community Credit UnionLatino Community Credit Union3130 Milton Rd, Charlotte, NC, 28215A+5.0 ★Texas Ratio: 5.99% offering Loan at 7.00% APR, and Truliant Federal Credit UnionTruliant Federal Credit Union6051 Tyvola Glen Cir, Charlotte, NC, 28217A5.0 ★Texas Ratio: 7.58% offering Personal Loans at 7.99% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Charlotte has 14 local institutions in our database, with personal loan rates as low as 5.75% APR from Allegacy Federal Credit Union at 100 Queens Rd, Charlotte, NC, 28204. 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 Charlotte, North Carolina.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Charlotte, North Carolina. 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 19, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Share Loan
5.75%
View
▼
APR5.75%
Last UpdatedApril 19, 2026
Details

Payroll Deduction or Automatic Draft APR

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Energy Saver Loans
5.75%
View
▼
APR5.75%
Last UpdatedApril 19, 2026
Details

up to 180 months

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Solar Loans
5.75%
View
▼
APR5.75%
Last UpdatedApril 19, 2026
Details

up to 240 months

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Computer Loan
6.00%
View
▼
APR6.00%
Last UpdatedApril 19, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Share Loan
6.25%
View
▼
APR6.25%
Last UpdatedApril 19, 2026
Details

Non-Payroll Deduction APR

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Computer Loan
6.50%
View
▼
APR6.50%
Last UpdatedApril 19, 2026
Details

As Low As; Non-Payroll Deduction

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Personal Loans
6.75%
View
▼
APR6.75%
Last UpdatedApril 19, 2026
Details

As Low As

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Loan
7.00%
View
▼
APR7.00%
Last UpdatedApril 19, 2026
Details

All rates are based on a term of 84 months

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Personal Loans
7.50%
View
▼
APR7.50%
Last UpdatedApril 19, 2026
Details

As Low As

Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
6051 Tyvola Glen Cir, Charlotte, NC, 28217
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedApril 19, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
8.00%
View
▼
APR8.00%
Last UpdatedApril 19, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedApril 19, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
8.25%
View
▼
APR8.25%
Last UpdatedApril 19, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
8.50%
View
▼
APR8.50%
Last UpdatedApril 19, 2026
Details

As Low As

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Loan
8.50%
View
▼
APR8.50%
Last UpdatedApril 19, 2026
Details

All rates are based on a term of 84 months

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Consolidation Loan
8.99%
View
▼
APR8.99%
Last UpdatedApril 19, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Loan
9.00%
View
▼
APR9.00%
Last UpdatedApril 19, 2026
Details

All rates are based on a term of 84 months

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
9.25%
View
▼
APR9.25%
Last UpdatedApril 19, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Consolidation Loan
9.49%
View
▼
APR9.49%
Last UpdatedApril 19, 2026
Details

As Low As; Non-Payroll Deduction

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Personal Loans
9.50%
View
▼
APR9.50%
Last UpdatedApril 19, 2026
Details

As Low As

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Loan to Value 95%
9.75%
View
▼
APR9.75%
Last UpdatedApril 19, 2026
Details

All rates are based on a term of 84 months

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Lifestyle Loan
9.85%
View
▼
APR9.85%
Last UpdatedApril 19, 2026
Details

Payroll Deduction or Automatic Draft APR

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Signature
9.90%
View
▼
APR9.90%
Last UpdatedApril 19, 2026
Details

As Low As

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan Credit Scores 780 & Higher
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

No additional details available.

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Greater Up to 48 Months
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

$1500.00

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Less Up to 24 Months
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

$1499.00

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
10.00%
View
▼
APR10.00%
Last UpdatedApril 19, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Personal Loans
10.25%
View
▼
APR10.25%
Last UpdatedApril 19, 2026
Details

As Low As

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
7422 Carmel Executive Park Dr Ste 100, Charlotte, NC, 28226 0426
All-Purpose Loan
10.74%
View
▼
APR10.74%
Last UpdatedApril 19, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
10.75%
View
▼
APR10.75%
Last UpdatedApril 19, 2026
Details

As Low As

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Loan to Value 70%
10.75%
View
▼
APR10.75%
Last UpdatedApril 19, 2026
Details

All rates are based on a term of 84 months

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Open-End Signature Loan
11.25%
View
▼
APR11.25%
Last UpdatedApril 19, 2026
Details

No additional details available.

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28273
Personal Loan
11.40%
View
▼
APR11.40%
Last UpdatedApril 19, 2026
Details

No additional details available.

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Signature Loans with Collateral
11.50%
View
▼
APR11.50%
Last UpdatedApril 19, 2026
Details

up to 48 months

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
MAX LOAN TERMS
11.50%
View
▼
APR11.50%
Last UpdatedApril 19, 2026
Details

As Low As

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Loan to Value 85%
11.75%
View
▼
APR11.75%
Last UpdatedApril 19, 2026
Details

All rates are based on a term of 84 months

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
2830 Boyer St, Charlotte, NC, 28208
Signature
12.00%
View
▼
APR12.00%
Last UpdatedApril 19, 2026
Details

As Low As

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Consumer Loan
12.50%
View
▼
APR12.50%
Last UpdatedApril 19, 2026
Details

No additional details available.

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Recruit Loan
12.50%
View
▼
APR12.50%
Last UpdatedApril 19, 2026
Details

No additional details available.

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Signature- Unsecured
12.50%
View
▼
APR12.50%
Last UpdatedApril 19, 2026
Details

up to 48 months

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Unsecured Loan
13.50%
View
▼
APR13.50%
Last UpdatedApril 19, 2026
Details

Payroll Deduction or Automatic Draft APR

Nova Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3601 Mulberry Church Rd, Charlotte, NC, 28208
Personal Loan
14.00%
View
▼
APR14.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Unsecured
14.25%
View
▼
APR14.25%
Last UpdatedApril 19, 2026
Details

As Low As; Payroll Deduction or Automatic Draft APR

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Open-End Signature Loan
14.25%
View
▼
APR14.25%
Last UpdatedApril 19, 2026
Details

No additional details available.

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Unsecured
14.75%
View
▼
APR14.75%
Last UpdatedApril 19, 2026
Details

As Low As; Non-Payroll Deduction APR

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Personal Loans
15.00%
View
▼
APR15.00%
Last UpdatedApril 19, 2026
Details

As Low As; ...

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
No Credit Check Loan*
15.00%
View
▼
APR15.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Personal Loan, Signature
15.00%
View
▼
APR15.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Signature Personal Loan
16.00%
View
▼
APR16.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan - Credit Rebuilding
17.90%
View
▼
APR17.90%
Last UpdatedApril 19, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Credit Builder Loan
4.50%
View
▼
APR4.50%
Last UpdatedApril 19, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Refinance Loan
4.64%
View
▼
APR4.64%
Last UpdatedApril 19, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
View
▼
APR4.80%
Last UpdatedApril 19, 2026
Details

As Low As

RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Technology Loans
5.99%
View
▼
APR5.99%
Last UpdatedApril 19, 2026
Details

As Low As; Terms up to 12 months. Maximum loan amount is $5,000.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Credit Builder Loan
6.50%
View
▼
APR6.50%
Last UpdatedApril 19, 2026
Details

As Low As

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Credit Builder Plus Loan
6.75%
View
▼
APR6.75%
Last UpdatedApril 19, 2026
Details

No additional details available.

ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Signature Loan
6.75%
View
▼
APR6.75%
Last UpdatedApril 19, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
6.90%
View
▼
APR6.90%
Last UpdatedApril 19, 2026
Details

$3000; Score: A+ = 750+

ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Energy Efficient Loan
6.90%
View
▼
APR6.90%
Last UpdatedApril 19, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedApril 19, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Unsecured (signature)
7.00%
View
▼
APR7.00%
Last UpdatedApril 19, 2026
Details

Up to 60 months

Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Personal Loan
7.25%
View
▼
APR7.25%
Last UpdatedApril 19, 2026
Details

As Low As

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Recreational Loan
7.49%
View
▼
APR7.49%
Last UpdatedApril 19, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Other Collateralized Loans Less than
7.75%
View
▼
APR7.75%
Last UpdatedApril 19, 2026
Details

$14,999

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
7.90%
View
▼
APR7.90%
Last UpdatedApril 19, 2026
Details

$3000; Score: B = 640-679

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Loan
7.99%
View
▼
APR7.99%
Last UpdatedApril 19, 2026
Details

As Low As

Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature
8.00%
View
▼
APR8.00%
Last UpdatedApril 19, 2026
Details

Unsecured

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Open-end Personal Loan
8.00%
View
▼
APR8.00%
Last UpdatedApril 19, 2026
Details

As Low As

Greensboro Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedApril 19, 2026
Details

As Low As

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
Equipment Loans
8.25%
View
▼
APR8.25%
Last UpdatedApril 19, 2026
Details

As Low As; Up to 48 Months

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Recreational Loan
8.50%
View
▼
APR8.50%
Last UpdatedApril 19, 2026
Details

As Low As; MODEL YEAR: 2019-2025

Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
Unsecured Lines of Credit
8.75%
View
▼
APR8.75%
Last UpdatedApril 19, 2026
Details

No additional details available.

Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Land Loans
9.00%
View
▼
APR9.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
Personal
9.00%
View
▼
APR9.00%
Last UpdatedApril 19, 2026
Details

As Low As; Up to 60 Months

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Other Collateralized Loans
9.25%
View
▼
APR9.25%
Last UpdatedApril 19, 2026
Details

$15,000 -$25,000

Civic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
Personal Loan
9.38%
View
▼
APR9.38%
Last UpdatedApril 19, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Personal Loan
9.49%
View
▼
APR9.49%
Last UpdatedApril 19, 2026
Details

As Low As

Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Credit Builder Loan
9.50%
View
▼
APR9.50%
Last UpdatedApril 19, 2026
Details

As Low As

CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Signature Loan
9.90%
View
▼
APR9.90%
Last UpdatedApril 19, 2026
Details

As Low As

TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Personal
9.95%
View
▼
APR9.95%
Last UpdatedApril 19, 2026
Details

As Low As; Up to 60 Months

RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Debt Consolidation Loans
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

As Low As; Maximum term for lowest rate is 60 months.

RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Personal Loans
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

Fixed Rates only. Terms available up to 60 months.

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Signature
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

As Low As

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share Loan
10.00%
View
▼
APR10.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedApril 19, 2026
Details

Score: A+ = 750+

TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedApril 19, 2026
Details

No additional details available.

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
10.25%
View
▼
APR10.25%
Last UpdatedApril 19, 2026
Details

$250; As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
Unsecured Term
10.50%
View
▼
APR10.50%
Last UpdatedApril 19, 2026
Details

Up to $5,000.00

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Personal/Signature Loan
10.50%
View
▼
APR10.50%
Last UpdatedApril 19, 2026
Details

As Low As

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Term Note Loan
10.50%
View
▼
APR10.50%
Last UpdatedApril 19, 2026
Details

$20,000 Maximum - Individual & Joint

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
View
▼
APR10.50%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.50%
View
▼
APR10.50%
Last UpdatedApril 19, 2026
Details

Score: A+ = 750+

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Personal Loan
10.75%
View
▼
APR10.75%
Last UpdatedApril 19, 2026
Details

As Low As; Rates start as low as 10.75% APR* for well-qualified borrowers, but do not exceed 17.50% APR*. Length of term offered varies by the amount borrowed.

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Unsecured Personal Loan
10.75%
View
▼
APR10.75%
Last UpdatedApril 19, 2026
Details

As Low As; Up to 36 months**

North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Closed-End Signature
10.75%
View
▼
APR10.75%
Last UpdatedApril 19, 2026
Details

As Low As

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Personal Unsecured Loans
10.75%
View
▼
APR10.75%
Last UpdatedApril 19, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
10.75%
View
▼
APR10.75%
Last UpdatedApril 19, 2026
Details

$1,250; As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
10.90%
View
▼
APR10.90%
Last UpdatedApril 19, 2026
Details

$3000; Score: C = 600-639

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Debt Consolidation Loan
10.99%
View
▼
APR10.99%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.00%
View
▼
APR11.00%
Last UpdatedApril 19, 2026
Details

Score: A+ = 750+

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
View
▼
APR11.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Personal Loan
11.24%
View
▼
APR11.24%
Last UpdatedApril 19, 2026
Details

No additional details available.

North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Open-End Signature loan
11.25%
View
▼
APR11.25%
Last UpdatedApril 19, 2026
Details

No additional details available.

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
11.25%
View
▼
APR11.25%
Last UpdatedApril 19, 2026
Details

$3,500; As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.50%
View
▼
APR11.50%
Last UpdatedApril 19, 2026
Details

Score: A+ = 750+

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.50%
View
▼
APR11.50%
Last UpdatedApril 19, 2026
Details

No additional details available.

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
11.75%
View
▼
APR11.75%
Last UpdatedApril 19, 2026
Details

$7,000; As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.00%
View
▼
APR12.00%
Last UpdatedApril 19, 2026
Details

Score: A = 680-749

Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Disaster Loans
12.00%
View
▼
APR12.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Promotional Loan
12.00%
View
▼
APR12.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Signature Loans
12.24%
View
▼
APR12.24%
Last UpdatedApril 19, 2026
Details

As Low As; *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Signature Loan
12.24%
View
▼
APR12.24%
Last UpdatedApril 19, 2026
Details

No additional details available.

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Signature - Unsecured
12.25%
View
▼
APR12.25%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.50%
View
▼
APR12.50%
Last UpdatedApril 19, 2026
Details

Score: B = 640-679

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
Unsecured Term
12.75%
View
▼
APR12.75%
Last UpdatedApril 19, 2026
Details

$5,000.01-$15,000.00

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Personal Loans
12.75%
View
▼
APR12.75%
Last UpdatedApril 19, 2026
Details

As Low As

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loan
12.99%
View
▼
APR12.99%
Last UpdatedApril 19, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.00%
View
▼
APR13.00%
Last UpdatedApril 19, 2026
Details

Score: B = 640-679

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Comaker Loan
13.00%
View
▼
APR13.00%
Last UpdatedApril 19, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.50%
View
▼
APR13.50%
Last UpdatedApril 19, 2026
Details

Score: C = 600-639

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
View
▼
APR13.74%
Last UpdatedApril 19, 2026
Details

No additional details available.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
View
▼
APR13.74%
Last UpdatedApril 19, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
14.00%
View
▼
APR14.00%
Last UpdatedApril 19, 2026
Details

Score: C = 600-639

Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Bridge Loans
14.00%
View
▼
APR14.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Tax Relief Loans
14.00%
View
▼
APR14.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Fuel Loan
14.00%
View
▼
APR14.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
14.40%
View
▼
APR14.40%
Last UpdatedApril 19, 2026
Details

$3000; Score: D = 550-599

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
View
▼
APR14.49%
Last UpdatedApril 19, 2026
Details

No additional details available.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
View
▼
APR14.49%
Last UpdatedApril 19, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
14.50%
View
▼
APR14.50%
Last UpdatedApril 19, 2026
Details

Score: C = 600-639

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Signature Premier Rewards
14.75%
View
▼
APR14.75%
Last UpdatedApril 19, 2026
Details

Regular APR: 14.75% - 18.00%

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Extra Personal Loan
14.99%
View
▼
APR14.99%
Last UpdatedApril 19, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Personal Loan
14.99%
View
▼
APR14.99%
Last UpdatedApril 19, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
Personal Loan
15.00%
View
▼
APR15.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
Personal Loans
15.00%
View
▼
APR15.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Quick Cash Loan
15.00%
View
▼
APR15.00%
Last UpdatedApril 19, 2026
Details

APR will be determined at time of application based on member-applicant qualifications.

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Debt Consolidation
15.45%
View
▼
APR15.45%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
15.50%
View
▼
APR15.50%
Last UpdatedApril 19, 2026
Details

Score: D = 550-599

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Signature Loan
15.99%
View
▼
APR15.99%
Last UpdatedApril 19, 2026
Details

No additional details available.

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Debt Consolidation Loan
15.99%
View
▼
APR15.99%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
16.00%
View
▼
APR16.00%
Last UpdatedApril 19, 2026
Details

Score: D = 550-599

Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Debt Consolidation Loans
16.00%
View
▼
APR16.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Personal Loan
16.00%
View
▼
APR16.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
16.40%
View
▼
APR16.40%
Last UpdatedApril 19, 2026
Details

$3000; Score: E = 549

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
16.50%
View
▼
APR16.50%
Last UpdatedApril 19, 2026
Details

Score: D = 550-599

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Debt Consolidation
16.99%
View
▼
APR16.99%
Last UpdatedApril 19, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
17.00%
View
▼
APR17.00%
Last UpdatedApril 19, 2026
Details

Score: D = 550-599

Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Emergency Loan
17.95%
View
▼
APR17.95%
Last UpdatedApril 19, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Personal Loans
6.75%
View
▼
APR6.75%
Last UpdatedApril 19, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Personal Loans
7.50%
View
▼
APR7.50%
Last UpdatedApril 19, 2026
Details

As Low As

Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
6051 Tyvola Glen Cir, Charlotte, NC, 28217
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedApril 19, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedApril 19, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Personal Loans
9.50%
View
▼
APR9.50%
Last UpdatedApril 19, 2026
Details

As Low As

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan Credit Scores 780 & Higher
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

No additional details available.

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Greater Up to 48 Months
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

$1500.00

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan or Less Up to 24 Months
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

$1499.00

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Personal Loans
10.25%
View
▼
APR10.25%
Last UpdatedApril 19, 2026
Details

As Low As

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28273
Personal Loan
11.40%
View
▼
APR11.40%
Last UpdatedApril 19, 2026
Details

No additional details available.

Nova Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3601 Mulberry Church Rd, Charlotte, NC, 28208
Personal Loan
14.00%
View
▼
APR14.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Personal Loans
15.00%
View
▼
APR15.00%
Last UpdatedApril 19, 2026
Details

As Low As; ...

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Personal Loan, Signature
15.00%
View
▼
APR15.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Signature Personal Loan
16.00%
View
▼
APR16.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Personal Loan - Credit Rebuilding
17.90%
View
▼
APR17.90%
Last UpdatedApril 19, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedApril 19, 2026
Details

As Low As

Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Personal Loan
7.25%
View
▼
APR7.25%
Last UpdatedApril 19, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Loan
7.99%
View
▼
APR7.99%
Last UpdatedApril 19, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Open-end Personal Loan
8.00%
View
▼
APR8.00%
Last UpdatedApril 19, 2026
Details

As Low As

Greensboro Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
Personal Loans
8.00%
View
▼
APR8.00%
Last UpdatedApril 19, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
Personal Loan
9.38%
View
▼
APR9.38%
Last UpdatedApril 19, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Personal Loan
9.49%
View
▼
APR9.49%
Last UpdatedApril 19, 2026
Details

As Low As

RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Personal Loans
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

Fixed Rates only. Terms available up to 60 months.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedApril 19, 2026
Details

Score: A+ = 750+

TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedApril 19, 2026
Details

No additional details available.

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
View
▼
APR10.50%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.50%
View
▼
APR10.50%
Last UpdatedApril 19, 2026
Details

Score: A+ = 750+

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Personal Loan
10.75%
View
▼
APR10.75%
Last UpdatedApril 19, 2026
Details

As Low As; Rates start as low as 10.75% APR* for well-qualified borrowers, but do not exceed 17.50% APR*. Length of term offered varies by the amount borrowed.

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Unsecured Personal Loan
10.75%
View
▼
APR10.75%
Last UpdatedApril 19, 2026
Details

As Low As; Up to 36 months**

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.00%
View
▼
APR11.00%
Last UpdatedApril 19, 2026
Details

Score: A+ = 750+

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
View
▼
APR11.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Personal Loan
11.24%
View
▼
APR11.24%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.50%
View
▼
APR11.50%
Last UpdatedApril 19, 2026
Details

Score: A+ = 750+

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.50%
View
▼
APR11.50%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.00%
View
▼
APR12.00%
Last UpdatedApril 19, 2026
Details

Score: A = 680-749

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.50%
View
▼
APR12.50%
Last UpdatedApril 19, 2026
Details

Score: B = 640-679

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Personal Loans
12.75%
View
▼
APR12.75%
Last UpdatedApril 19, 2026
Details

As Low As

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loan
12.99%
View
▼
APR12.99%
Last UpdatedApril 19, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.00%
View
▼
APR13.00%
Last UpdatedApril 19, 2026
Details

Score: B = 640-679

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.50%
View
▼
APR13.50%
Last UpdatedApril 19, 2026
Details

Score: C = 600-639

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
View
▼
APR13.74%
Last UpdatedApril 19, 2026
Details

No additional details available.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
View
▼
APR13.74%
Last UpdatedApril 19, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
14.00%
View
▼
APR14.00%
Last UpdatedApril 19, 2026
Details

Score: C = 600-639

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
14.50%
View
▼
APR14.50%
Last UpdatedApril 19, 2026
Details

Score: C = 600-639

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Extra Personal Loan
14.99%
View
▼
APR14.99%
Last UpdatedApril 19, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Personal Loan
14.99%
View
▼
APR14.99%
Last UpdatedApril 19, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
Personal Loan
15.00%
View
▼
APR15.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
Personal Loans
15.00%
View
▼
APR15.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
15.50%
View
▼
APR15.50%
Last UpdatedApril 19, 2026
Details

Score: D = 550-599

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
16.00%
View
▼
APR16.00%
Last UpdatedApril 19, 2026
Details

Score: D = 550-599

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Personal Loan
16.00%
View
▼
APR16.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
16.50%
View
▼
APR16.50%
Last UpdatedApril 19, 2026
Details

Score: D = 550-599

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
17.00%
View
▼
APR17.00%
Last UpdatedApril 19, 2026
Details

Score: D = 550-599

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Debt Consolidation Loans
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

As Low As; Maximum term for lowest rate is 60 months.

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Debt Consolidation Loan
10.99%
View
▼
APR10.99%
Last UpdatedApril 19, 2026
Details

No additional details available.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
View
▼
APR14.49%
Last UpdatedApril 19, 2026
Details

No additional details available.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
View
▼
APR14.49%
Last UpdatedApril 19, 2026
Details

As Low As

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Debt Consolidation
15.45%
View
▼
APR15.45%
Last UpdatedApril 19, 2026
Details

No additional details available.

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Debt Consolidation Loan
15.99%
View
▼
APR15.99%
Last UpdatedApril 19, 2026
Details

No additional details available.

Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Debt Consolidation Loans
16.00%
View
▼
APR16.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Debt Consolidation
16.99%
View
▼
APR16.99%
Last UpdatedApril 19, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
Signature
9.90%
View
▼
APR9.90%
Last UpdatedApril 19, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Open-End Signature Loan
11.25%
View
▼
APR11.25%
Last UpdatedApril 19, 2026
Details

No additional details available.

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Signature Loans with Collateral
11.50%
View
▼
APR11.50%
Last UpdatedApril 19, 2026
Details

up to 48 months

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
2830 Boyer St, Charlotte, NC, 28208
Signature
12.00%
View
▼
APR12.00%
Last UpdatedApril 19, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Signature- Unsecured
12.50%
View
▼
APR12.50%
Last UpdatedApril 19, 2026
Details

up to 48 months

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Open-End Signature Loan
14.25%
View
▼
APR14.25%
Last UpdatedApril 19, 2026
Details

No additional details available.

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Personal Loan, Signature
15.00%
View
▼
APR15.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
3130 Milton Rd, Charlotte, NC, 28215
Signature Personal Loan
16.00%
View
▼
APR16.00%
Last UpdatedApril 19, 2026
Details

No additional details available.

ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Signature Loan
6.75%
View
▼
APR6.75%
Last UpdatedApril 19, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Unsecured (signature)
7.00%
View
▼
APR7.00%
Last UpdatedApril 19, 2026
Details

Up to 60 months

Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature
8.00%
View
▼
APR8.00%
Last UpdatedApril 19, 2026
Details

Unsecured

CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
Signature Loan
9.90%
View
▼
APR9.90%
Last UpdatedApril 19, 2026
Details

As Low As

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Signature
9.99%
View
▼
APR9.99%
Last UpdatedApril 19, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Personal/Signature Loan
10.50%
View
▼
APR10.50%
Last UpdatedApril 19, 2026
Details

As Low As

North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Closed-End Signature
10.75%
View
▼
APR10.75%
Last UpdatedApril 19, 2026
Details

As Low As

North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Open-End Signature loan
11.25%
View
▼
APR11.25%
Last UpdatedApril 19, 2026
Details

No additional details available.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Signature Loans
12.24%
View
▼
APR12.24%
Last UpdatedApril 19, 2026
Details

As Low As; *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Signature Loan
12.24%
View
▼
APR12.24%
Last UpdatedApril 19, 2026
Details

No additional details available.

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Signature - Unsecured
12.25%
View
▼
APR12.25%
Last UpdatedApril 19, 2026
Details

No additional details available.

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Signature Premier Rewards
14.75%
View
▼
APR14.75%
Last UpdatedApril 19, 2026
Details

Regular APR: 14.75% - 18.00%

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Signature Loan
15.99%
View
▼
APR15.99%
Last UpdatedApril 19, 2026
Details

No additional details available.

No home improvement personal loan rates found in Charlotte, NC currently.

Charlotte, NC Personal Loan Rate Trends

Compare local Charlotte, NC 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.

View Full North Carolina Personal Loan Trends →
Personal Loan — NC Avg
10.849%
Unchanged vs 7 days ago

North Carolina personal loan rates currently average 10.849% APR.

Signature Loan — NC Avg
12.616%
Unchanged vs 7 days ago

North Carolina signature loan rates currently average 12.616% APR.

As of Apr 19, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions

What credit score do I need for a personal loan in North Carolina?

Most lenders in Charlotte, North Carolina require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in North Carolina often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Charlotte, North Carolina require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in North Carolina?

Yes. Debt consolidation is one of the most common uses of personal loans in Charlotte, North Carolina. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Charlotte, North Carolina?

Credit unions in Charlotte, North Carolina often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Charlotte, North Carolina?

  • Allegacy Federal Credit Union: 5.75% (Share Loan)
  • Self-Help Credit Union: 5.75% (Energy Saver Loans)
  • Carolinas Telco Federal Credit Union: 6.75% (Personal Loans)
  • Latino Community Credit Union: 7.00% (Loan)
  • Truliant Federal Credit Union: 7.99% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Charlotte, North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.

Charlotte, North Carolina Rates & Resources

$
Charlotte, North Carolina CD Rates
$
Charlotte, North Carolina Savings Rates
$
Charlotte, North Carolina Money Market Rates
$
Charlotte, North Carolina Mortgage Rates
$
Charlotte, North Carolina Checking Rates
$
Charlotte, North Carolina Auto Loan Rates

Personal Loan Calculators

Personal Loan Calculator Debt Consolidation Calculator