Best Personal Loan Rates in Raleigh, North Carolina - June
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Raleigh, North Carolina include: Self-Help Credit UnionSelf-Help Credit Union7029 Harps Mill Rd, Raleigh, NC, 27615A5.0 ★Texas Ratio: 6.49% offering Energy Saver Loans at 5.75% APR, RTP Federal Credit UnionRTP Federal Credit Union7560 Creedmoor Rd, Raleigh, NC, 27613 1641A5.0 ★Texas Ratio: 5.48% offering Technology Loans at 5.99% APR, Latino Community Credit UnionLatino Community Credit Union4418 Fayetteville Rd, Raleigh, NC, 27603A+5.0 ★Texas Ratio: 5.83% offering Credit Builder Loan at 6.00% APR, Langley Federal Credit UnionLangley Federal Credit Union6308 Falls of Neuse Rd, Raleigh, NC, 27615A5.0 ★Texas Ratio: 9.72% offering VA 30 Loan at 6.42% APR, and Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union5712 Creedmoor Rd, Raleigh, NC, 27612A+5.0 ★Texas Ratio: 3.88% offering Personal Loans at 6.75% APR. Personal loan rates as of June 23, 2026 according to verified data from MonitorBankRates.
Raleigh has 11 local institutions in our database, with personal loan rates as low as 5.75% APR from Self-Help Credit Union at 7029 Harps Mill Rd, Raleigh, NC, 27615. 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 Raleigh, North Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Raleigh, 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: June 23, 2026
Raleigh Personal Loan Rates
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As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
Maximum Amount: N/A; Loan to Value: 100%
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As Low As
As Low As
As Low As; * Applies to Loan Amounts $1,000 - $35,000
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As Low As; * Applies to Loan Amounts $1,000 - $35,000
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As Low As; * Applies to Loan Amounts $1,000 - $35,000
$500; As Low As
As Low As
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As Low As
9.99% APR and up; Fixed Rates only. Terms available up to 60 months.
As Low As; Maximum term for lowest rate is 60 months.
As Low As; * Applies to Loan Amounts $1,000 - $35,000
As Low As
As Low As1 Langley's Lowest Rate Visa
As Low As; * Applies to Loan Amounts $1,000 - $35,000
As Low As
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As Low As
Maximum APR: 18.00%
As Low As
$500; As Low As
Maximum Amount: $20,000; Loan to Value: N/A
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5% Pick Your Own Category! 3% on Gas 2% on Groceries & Wholesale Clubs 1% on Other Purchases; Rates as low as1
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As Low As
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As Low As
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
Less than 140,000 miles
As Low As
Less than 100,000 miles
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Less than 75,000 miles
As Low As;*
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As Low As;*
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Less than 50,000 miles
As Low As
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As Low As; Payroll Deduction or Automatic Draft
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As Low As
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
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As Low As; Payroll Deduction or Automatic Draft
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As Low As; Non-Payroll Deduction
As Low As; APR=Annual Percentage Rate.
As Low As
As Low As
As Low As; Funding For Your Summertime. Loan amounts up to $45,000
As Low As; Non-Payroll Deduction
As Low As
Less than $14,999
As low as; Click Here
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As low as
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$20,000; As low as
As Low As
As low as
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As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
As Low As; Payroll deduction or automatic draft APR
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
As Low As
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
$15,000 -$25,000
As Low As; Non-payroll deducation APR
$20,000; As low as
$5,000+; As low as
Rates as low as 9.90%
Unsecured - 36 Mo: $418 is the difference between the amount paid in interest between Advancial Federal Credit Union's rate at 9.90% APR compared to 11.54% APR for the Charlotte Metro market average over the life of a $15,000 unsecured loan over 36 months.
As Low As
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$1500.00
$1499.00
Max Term: Based on Balance
$7,500+; As low as
As Low As; can go up to as much as $10,000.00 per member
$250
No additional details available.
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$20,000 Maximum - Individual & Joint
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Fixed APR as low as; 10.74%
$10,000+; As low as
As Low As; Starting at 10.75% Annual Percentage Rate
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$1,250
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As Low As
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$3,500
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$7,000
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
Fixed
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As Low As
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.
As Low As
Fixed
Fixed
Fixed
As Low As; Qualify up to $10,000
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As Low As
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Non-payroll deduction
Fixed
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As Low As
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Maximum Amount based on debt ratio, credit, and length of employment
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Intro rate expires: 12 months; Regular APR: 15.24% - 25.24%
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As low as
Raleigh Personal Loan Rates
As Low As
As Low As
As Low As
As Low As
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As Low As
9.99% APR and up; Fixed Rates only. Terms available up to 60 months.
As Low As
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As Low As
As Low As
Maximum APR: 18.00%
Maximum Amount: $20,000; Loan to Value: N/A
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As Low As
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As Low As; APR=Annual Percentage Rate.
As Low As
As Low As; Funding For Your Summertime. Loan amounts up to $45,000
As low as; Click Here
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As low as
$20,000; As low as
As Low As
$20,000; As low as
$5,000+; As low as
As Low As
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$1500.00
$1499.00
Max Term: Based on Balance
$7,500+; As low as
As Low As; can go up to as much as $10,000.00 per member
No additional details available.
$10,000+; As low as
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As Low As
As Low As; Qualify up to $10,000
As Low As
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As Low As
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Maximum Amount based on debt ratio, credit, and length of employment
Raleigh Debt Consolidation Loan Rates
As Low As; Maximum term for lowest rate is 60 months.
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Raleigh Signature Loan Rates
As Low As
As Low As
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As Low As
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Maximum APR: 18.00%
Maximum Amount: $20,000; Loan to Value: N/A
5% Pick Your Own Category! 3% on Gas 2% on Groceries & Wholesale Clubs 1% on Other Purchases; Rates as low as1
No additional details available.
No additional details available.
Rates as low as 9.90%
No additional details available.
As Low As; Rate subject to change without notice. Rates shown with approved credit. See loan details for full disclosure.
No additional details available.
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.
Raleigh, NC Personal Loan Rate Trends
Compare local Raleigh, 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 currently average 10.962% APR.
North Carolina signature loan rates currently average 11.503% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Raleigh, North Carolina 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 Raleigh, North Carolina 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 Raleigh, North Carolina. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NC.
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 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 Raleigh, North Carolina?
What are the best personal loan rates in Raleigh, North Carolina?
- Self-Help Credit Union: 5.75% (Energy Saver Loans)
- RTP Federal Credit Union: 5.99% (Technology Loans)
- Latino Community Credit Union: 6.00% (Credit Builder Loan)
- Langley Federal Credit Union: 6.42% (VA 30 Loan)
- Carolinas Telco Federal Credit Union: 6.75% (Personal Loans)
Raleigh, North Carolina Rates & Resources
Personal Loan Calculators
