Best Personal Loan Rates in Ohio - July 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 Ohio include: Education First Credit Union IncEducation First Credit Union Inc510 E Mound St, Columbus, OH, 43215 5539A5.0 ★Texas Ratio: 10.47% offering 2024-2022 up to 66 months Loan at 3.99% APR, USXUSX539 S Main St, Findlay, OH, 45840A+5.0 ★Texas Ratio: 1.67% offering Loans to $49,999 at 4.00% APR, Holy Family Parma Federal Credit UnionHoly Family Parma Federal Credit Union7367 York Rd, Parma, OH, 44130 5162A+5.0 ★Texas Ratio: 2.32% offering All Loans at 4.00% APR, LCE Federal Credit UnionLCE Federal Credit Union77 N Saint Clair St, Painesville, OH, 44077A+5.0 ★Texas Ratio: 4.00% offering New - 2024 Loan at 4.69% APR, and Firefighters And Company Federal Credit UnionFirefighters And Company Federal Credit Union338 S Patterson Blvd, Dayton, OH, 45402 2845A5.0 ★Texas Ratio: 9.45% offering New & Used 2019-2026 Loan at 4.84% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Ohio side-by-side. Ohio personal loan rates currently start as low as 3.99% APR from Education First Credit Union Inc at 510 E Mound St, Columbus, OH, 43215 5539. 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 Ohio.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Ohio. 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: July 25, 2026
Ohio Personal Loan Rates
As Low As
As Low As
$10,000
Beacon Score: 725+
$10,000
$10,000
Beacon Score: 725+
Beacon Score: 725+
No additional details available.
No additional details available.
No additional details available.
As Low As
Adjustment to Index: Prime - 1.0%
No additional details available.
As Low As; 4.59%
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; upon approved credit
over $30,000; Rates may vary based on year.
Borrow up to $5,000
As Low As; Model Year
Rates may vary based on year.
No additional details available.
over $15,000; Rates may vary based on year.
Rates may vary based on year.
Rates may vary based on year.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; 4.99%
As Low As; Approval and rates based on credit worthiness, number of years the loan is financed, amount financed, age of collateral and other qualifying criteria. Individuals must be 18 years of age or older, and eligible for membership New car definition: Current and previous model year, never titled and has less than 1000 miles on it. FFCCU may consider a car loan refinance as a "new" auto loan if the vehicle being refinanced is within one year of original purchase date and member is the original owner. Rates quoted reflect .25% discount for EasyPAY (to qualify for EasyPAY, enroll in Online Banking with e-Statements, Direct Deposit at least $200 per month, sign up for Auto Pay for loan payments). Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply.
No additional details available.
No additional details available.
No additional details available.
As Low As; Model Year
No additional details available.
As Low As; Rates subject to change without notice.
As Low As; Rates subject to change without notice.
As Low As; *1
As Low As; Rate: 4.99%
No additional details available.
As Low As;*
No additional details available.
No additional details available.
As Low As; New (<10K miles)
As Low As
No additional details available.
As Low As; Model Year
Beacon Score: 725+
Under $30
Over $30
Beacon Score: 675 - 724
Beacon Score: 675 - 724
As low as
No additional details available.
No additional details available.
As Low As; newer than 7 years. Approval and rates based on credit worthiness, number of years the loan is financed, amount financed, age of collateral and other qualifying criteria. Individuals must be 18 years of age or older, and eligible for membership New car definition: Current and previous model year, never titled and has less than 1000 miles on it. FFCCU may consider a car loan refinance as a "new" auto loan if the vehicle being refinanced is within one year of original purchase date and member is the original owner. Rates quoted reflect .25% discount for EasyPAY (to qualify for EasyPAY, enroll in Online Banking with e-Statements, Direct Deposit at least $200 per month, sign up for Auto Pay for loan payments). Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply.
No additional details available.
No additional details available.
As Low As; 5.59%
As Low As
As Low As; Used (2021-2026)
No additional details available.
Adjustment to Index: Prime - 1.0%
No additional details available.
No additional details available.
Beacon Score: 725+
As Low As; Rate: 5.49%
No additional details available.
No additional details available.
UP TO 85% LTV
No additional details available.
As Low As; Rate: 5.60%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Model Year
As Low As
$30; As Low As
As Low As; New (<10K miles)
No additional details available.
No additional details available.
No additional details available.
$1000 minimum; Proof of expenses required, may be used for pet care and funeral expenses as well
$30; As Low As; Used (2021-2026)
As Low As; Used (2021-2026)
No additional details available.
No additional details available.
Adjustment to Index: Prime - 0.5%
No additional details available.
Max Months: 84
Max Months: 84
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
$30; As Low As
As low as
As Low As; Model Year
No additional details available.
Skid Loaders, Utility Trailers, Stock Trailers, etc
Skid Loaders, Utility Trailers, Stock Trailers, etc
No additional details available.
No additional details available.
Beacon Score: 675 - 724
Beacon Score: 625 - 674
Beacon Score: 625 - 674
Minimum Loan Amount: $5,000
Up to 75 % approved stocks
As Low As; Rate: 6.24%
No additional details available.
As Low As
No additional details available.
As Low As; 7 model years and older. Approval and rates based on credit worthiness, number of years the loan is financed, amount financed, age of collateral and other qualifying criteria. Individuals must be 18 years of age or older, and eligible for membership New car definition: Current and previous model year, never titled and has less than 1000 miles on it. FFCCU may consider a car loan refinance as a "new" auto loan if the vehicle being refinanced is within one year of original purchase date and member is the original owner. Rates quoted reflect .25% discount for EasyPAY (to qualify for EasyPAY, enroll in Online Banking with e-Statements, Direct Deposit at least $200 per month, sign up for Auto Pay for loan payments). Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply.
No additional details available.
As low as
No additional details available.
Rates As Low As
Rates As Low As
Adjustment to Index: Prime
No additional details available.
Beacon Score: 675 - 724
As Low As; Rate: 6.49%
No additional details available.
No additional details available.
As Low As; i.e., Farm Equipment, trailer, lawn tractors, skid steers, bobcats
As low as; ($8,500 Maximum)
As Low As; Interest Rate; Actual rates may vary based on creditworthiness, and method of payment. Finance charges are calculated using the daily balance method. Interest will accrue during deferral period and will increase the total amount to repay the loan. Minimum loan amount is $500. $50 pre-payment penalty may apply. KEMBA membership required.
As Low As
As Low As
As Low As
No additional details available.
under $10,000
No additional details available.
Minimum Loan Amount: $7,000
No additional details available.
No additional details available.
As Low As; Rate: 6.74%
No additional details available.
For general purpose loans of $1000 and greater
Includes dirt bikes, motorcycles (under 500cc), personal watercrafts, ATVs and snowmobiles. Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history. Rate may also vary based on age of collateral and term of loan.
Ohio Personal Loan Rates
As Low As; Interest Rate; Actual rates may vary based on creditworthiness, and method of payment. Finance charges are calculated using the daily balance method. Interest will accrue during deferral period and will increase the total amount to repay the loan. Minimum loan amount is $500. $50 pre-payment penalty may apply. KEMBA membership required.
Ohio Debt Consolidation Loan Rates
Pay Off Those High Interest Credit Cards!
Starting @ 0.03151%
Ohio Signature Loan Rates
As low as
As low as; ($8,500 Maximum)
For general purpose loans of $1000 and greater
Ohio Personal Loan Rate Trends
Compare local Ohio 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.
Ohio personal loan rates rose 0.044 points over the past 7 days to 11.060% APR.
Ohio signature loan rates fell 0.008 points over the past 7 days to 10.898% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Ohio 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 Ohio 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 Ohio. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in OH.
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 Ohio?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Ohio?
Are credit unions or banks better for personal loans in Ohio?
What are the best personal loan rates in Ohio?
- Education First Credit Union Inc: 3.99% (2024-2022 up to 66 months Loan)
- USX: 4.00% (Loans to $49,999)
- Holy Family Parma Federal Credit Union: 4.00% (All Loans)
- LCE Federal Credit Union: 4.69% (New - 2024 Loan)
- Firefighters And Company Federal Credit Union: 4.84% (New & Used 2019-2026 Loan)
