Best Personal Loan Rates in Durham, North Carolina (NC) - 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 Durham, North Carolina include: Latino Community Credit UnionLatino Community Credit Union100 W Morgan St, Durham, NC, 27701 3315A+5.0 ★Texas Ratio: 5.99% offering Loan at 7.00% APR, COASTALCOASTALSouth Square, Durham, NC, 27707A+5.0 ★Texas Ratio: 0.50% offering Personal Loan at 9.49% APR, Vision Financial Federal Credit UnionVision Financial Federal Credit Union214 Pacific Ave, Durham, NC, 27704A+5.0 ★Texas Ratio: 0.50% offering Personal/Signature Loan at 10.50% APR, State Employees Credit UnionState Employees Credit Union3810 BEN FRANKLIN BLVD, DURHAM, NC, 27704A-5.0 ★Texas Ratio: 15.54% offering Open-End Signature Loan at 11.25% APR, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Durham has 4 local institutions in our database, with personal loan rates as low as 7.00% APR from Latino Community Credit Union at 100 W Morgan St, Durham, NC, 27701 3315. 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 Durham, North Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Durham, 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 27, 2026
All rates are based on a term of 84 months
All rates are based on a term of 84 months
All rates are based on a term of 84 months
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All rates are based on a term of 84 months
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All rates are based on a term of 84 months
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All rates are based on a term of 84 months
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Regular APR: 14.75% - 18.00%
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As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
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Up to 60 months
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$14,999
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As Low As; Working on a project? Need to make a purchase? We can help!
Unsecured
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$15,000 -$25,000
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As Low As; Up to 60 Months
As Low As; Maximum term for lowest rate is 60 months.
Fixed Rates only. Terms available up to 60 months.
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$1500.00
$1499.00
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$250; As Low As
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$1,250; As Low As
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$3,500; As Low As
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$7,000; As Low As
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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.
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APR will be determined at time of application based on member-applicant qualifications.
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Rates as low as; Pick Your Own Category! 5% on Pick Your Own Category; 3% on Gas; 2% on Groceries & Wholesale Clubs; 1% on Other Purchases
Qualifications Required: Must be primary account holder; Member for 90 days prior to application; Direct deposit within 61 days prior to application; Accounts in good standing.; Application fee: $20; Membership eligibility required. Terms and Conditions apply.
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As Low As; Working on a project? Need to make a purchase? We can help!
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$1499.00
$1500.00
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Fixed Rates only. Terms available up to 60 months.
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As Low As; Maximum term for lowest rate is 60 months.
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Regular APR: 14.75% - 18.00%
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Up to 60 months
Unsecured
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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.
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Rates as low as; Pick Your Own Category! 5% on Pick Your Own Category; 3% on Gas; 2% on Groceries & Wholesale Clubs; 1% on Other Purchases
Durham, NC Personal Loan Rate Trends
Compare local Durham, 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.
North Carolina personal loan rates rose 0.520 points over the past 7 days to 10.585% APR.
North Carolina signature loan rates currently average 12.747% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in North Carolina?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in North Carolina?
Are credit unions or banks better for personal loans in Durham, North Carolina?
What are the best personal loan rates in Durham, North Carolina?
- Latino Community Credit Union: 7.00% (Loan)
- COASTAL: 9.49% (Personal Loan)
- Vision Financial Federal Credit Union: 10.50% (Personal/Signature Loan)
- State Employees Credit Union: 11.25% (Open-End Signature Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Calculators
