Ohio Best Personal Loan Rates - September 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: TruPartner Credit UnionTruPartner Credit Union1800 Vine St, Cincinnati, OH, 45202A5.0 ★Texas Ratio: 6.05% offering Signature Loan at 6.70% APR, Education Personnel Federal Credit UnionEducation Personnel Federal Credit Union4125 Highlander Pkwy, Richfield, OH, 44286 8903A+5.0 ★Texas Ratio: 2.14% offering Signature (1 year) at 6.89% APR, Northwestern Federal Credit UnionNorthwestern Federal Credit Union234 N Main St, Bryan, OH, 43506 1318A+5.0 ★Texas Ratio: 1.36% offering Unsecured Signature Loan at 6.99% APR, Firestone Federal Credit UnionFirestone Federal Credit Union31 Hanna Pkwy, Coventry township, OH, 44319A+5.0 ★Texas Ratio: 0.80% offering Signature 30 Loan at 6.99% APR, and Kemba Financial Credit UnionKemba Financial Credit Union555 Officenter Pl, Gahanna, OH, 43230 5314A+5.0 ★Texas Ratio: 3.49% offering Personal Loan at 6.99% APR. Personal loan rates as of September 22, 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 6.70% APR from TruPartner Credit Union at 1800 Vine St, Cincinnati, OH, 45202. Rates are continually updated, so 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: September 22, 2026
Ohio Personal Loan Rates
Additional APR listed for this product: 8.99%. As low as
No additional details available.
As low as; $8,500 Maximum
$5,000 limit
No additional details available.
Personal/Signature loan rates as low as; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months. Rates and terms are determined by your credit qualifications and term. Loan rates effective August 28, 2025 and are subject to change. All loans subject to credit approval.
Proof of expenses required, may be used for pet care and funeral expenses as well
As Low As
As Low As; Rates subject to change at any time. All loans subject to approval and terms. Rates include all possible discounts. Contact us to determine which discounts apply to you.
Rates subject to change at any time. As low as rates include all available member loan discounts.
As low as
As Low As; *1
As Low As; $10,000 maximum
No additional details available.
As low as; Rates subject to change without notice. Please contact OTCU for details.
Rates as low as 8.00% APR; Credit score of 630 and above required
No additional details available.
As Low As
No additional details available.
For general purpose loans of $1000 and greater
As low as
Diamond Club*: 7.50%; Maximum Limits: $7,500
No additional details available.
As Low As
Diamond Club*: 7.65%; Maximum Limits: $6,500
As Low As; up to $35,000
$20,000
$10,000 limit
As Low As
As Low As
As Low As
Diamond Club*: 7.80%; Maximum Limits: $5,500
As Low As
As Low As
As Low As
As Low As
For general purpose loans of $1000 and greater
As low as 8.99% APR for qualified borrowers. Rates subject to credit score.
Balance: $0 - $1,000
As low as
Our signature loan is a personal loan with a fixed rate and fixed term. It can be used for anything - from auto repairs to paying for a vacation. Borrow up to $25,000 Credit Life/Disability Insurance available Debt consolidation View signature loan rates
Credit Rating: A+
As low as; Rates subject to change without notice.
As Low As
Rates as low as:; * Indicates rate as low as based on credit score.; Annual Percentage Rate includes $75.00 processing fee. Rates and terms are determined by your credit qualifications.
No additional details available.
No additional details available.
As Low As
Beacon Score: 725+; Maximum Amount: $1,500
Credit Rating: A+
Term: Monthly Payment* Per Loan Policy; As Low As; additional conditions apply; ask for details
No additional details available.
As Low As; 8.95%
No additional details available.
Min Loan: $2,500; Max Loan: $15,000
Balance: $4,001 - $6,000
No additional details available.
No additional details available.
Credit Rating: A
As low as
No additional details available.
Unsecured Loan, funds can be used for anything
No additional details available.
No additional details available.
No additional details available.
Sample monthly payment for a loan of $5,000 for 24 months at 9.75% APR would be approximately $230.15. Sample monthly payment for a loan of $10,000 for 60 months at 13.25% APR would be approximately $228.81. All rates and promotions subject to change without notice. Your actual rate and payment amount may be different as determined by your term, loan amount and credit qualifications. All rates and promotions subject to change without notice.
As Low As
Credit Rating: A
Balance: Up to $2,500
up to $10,000; As Low As
Unsecured APR of 9.85% is based on borrowing $7,500 for 36 months, with a 710 or higher credit score. Unsecured loans have a $40 processing fee.
up to $25,000,; As Low As; Personal Loans
No additional details available.
up to $6.000.00; As Low As
As Low As
For general purpose loans of $1000 and greater *2
Credit Score: 750+; Risk: Very Low; Credit Union Score: A+
Term: Contact us for details.; As low as; Interest rates are determined by the credit profile of the borrowing member and the terms and conditions of the loan request. No interest rate is finalized until a valid Loan Application has been submitted. The above rates are valid as of the date listed above, and subject to change without notice.
As Low As
$1,000-$2,499; As low as
$2,500 - $4,999; As low as
$5,000-$7,499; As low as
As low as
As Low As
As Low As
As Low As; 9.00%
up to $3,000; Credit Score: 750+
Credit Score: 730 +
Credit Rating: A
Published rate range: 10.0% - 18.0%.
Loan Amount: Up to $10,000
As low as
Based upon credit rating
Diamond Club*: 9.00%; Maximum Limits: $4,500
No additional details available.
As Low As; Personal Lines of Credit
Beacon Score: 675 - 724; Maximum Amount: $1,000
over $1,000.00; Current Prime Rate is 6.75%
$75 Loan Processing Fee
As Low As; 9.95%
Pay Off Those High Interest Credit Cards!
Min Loan: $2,500; Max Loan: $15,000
As Low As;
No additional details available.
As Low As; Rates subject to change. The actual rate and payment amount will reflect a member's individual circumstance and credit score and may be higher than the rates above. Other conditions may apply. Loan special rates exclude the refinancing of IH Credit Union loans. New money Only.
As low as
As Low As;*
As Low As
No additional details available.
Maximum Limits: $20,000
No additional details available.
Your APR will be between 10.50% and 20.50% based on creditworthiness at time of application for loan terms of 1-60 months and amounts $1,500-$15,000. Unsecured Personal Loan Example: if you get approved for a $10,000 loan at 10.50% APR for a term of 24 months, you'll pay just $463.76 a month. Minimum payment is $100 per month, unless specifically stated otherwise for special loan promotions.
$75 Loan Processing Fee
Term: 12 Months per 1,000 borrowed, up to 60 months maximum; As Low As
Maximum Limits: $20,000
No additional details available.
As Low As
As Low As
No additional details available.
As Low As;*
Credit Rating: A+; Amount: $12,500
Balance: $2,501 to $5,000
As Low As; *
$75 Loan Processing Fee
Min Loan: $5,000; Max Loan: $15,000
No additional details available.
Credit Rating: A+
As low as
As Low As;
As Low As
Up to $15,000; As low as; Rate based on Credit Performance
No additional details available.
Term: $5,000 limit - 1 signature
As Low As; $50 processing fee is included in the calculation of the APR.
Ohio Personal Loan Rates
No additional details available.
Personal/Signature loan rates as low as; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months. Rates and terms are determined by your credit qualifications and term. Loan rates effective August 28, 2025 and are subject to change. All loans subject to credit approval.
As Low As
Rates subject to change at any time. As low as rates include all available member loan discounts.
No additional details available.
As low as
Diamond Club*: 7.50%; Maximum Limits: $7,500
Diamond Club*: 7.65%; Maximum Limits: $6,500
As Low As; up to $35,000
As Low As
As Low As
Diamond Club*: 7.80%; Maximum Limits: $5,500
As Low As
As Low As
As Low As
As Low As
As low as 8.99% APR for qualified borrowers. Rates subject to credit score.
Balance: $0 - $1,000
Credit Rating: A+
As low as; Rates subject to change without notice.
As Low As
Credit Rating: A+
Min Loan: $2,500; Max Loan: $15,000
Balance: $4,001 - $6,000
Credit Rating: A
As low as
No additional details available.
No additional details available.
Sample monthly payment for a loan of $5,000 for 24 months at 9.75% APR would be approximately $230.15. Sample monthly payment for a loan of $10,000 for 60 months at 13.25% APR would be approximately $228.81. All rates and promotions subject to change without notice. Your actual rate and payment amount may be different as determined by your term, loan amount and credit qualifications. All rates and promotions subject to change without notice.
Credit Rating: A
up to $10,000; As Low As
up to $25,000,; As Low As; Personal Loans
As low as
As Low As
As Low As; 9.00%
Credit Score: 730 +
Credit Rating: A
Based upon credit rating
Diamond Club*: 9.00%; Maximum Limits: $4,500
No additional details available.
$75 Loan Processing Fee
Min Loan: $2,500; Max Loan: $15,000
As Low As;
No additional details available.
As Low As;*
Maximum Limits: $20,000
No additional details available.
$75 Loan Processing Fee
Maximum Limits: $20,000
No additional details available.
As Low As
No additional details available.
As Low As;*
$75 Loan Processing Fee
Min Loan: $5,000; Max Loan: $15,000
As Low As;
Up to $15,000; As low as; Rate based on Credit Performance
Ohio Debt Consolidation Loan Rates
Rates as low as 8.00% APR; Credit score of 630 and above required
Pay Off Those High Interest Credit Cards!
As Low As
Ohio Signature Loan Rates
Additional APR listed for this product: 8.99%. As low as
No additional details available.
As low as; $8,500 Maximum
$5,000 limit
As Low As; Rates subject to change at any time. All loans subject to approval and terms. Rates include all possible discounts. Contact us to determine which discounts apply to you.
As low as
As Low As; *1
As Low As; $10,000 maximum
No additional details available.
As Low As
No additional details available.
For general purpose loans of $1000 and greater
No additional details available.
As Low As
As Low As; up to $35,000
$20,000
As Low As
For general purpose loans of $1000 and greater
Balance: $0 - $1,000
As low as
Our signature loan is a personal loan with a fixed rate and fixed term. It can be used for anything - from auto repairs to paying for a vacation. Borrow up to $25,000 Credit Life/Disability Insurance available Debt consolidation View signature loan rates
Rates as low as:; * Indicates rate as low as based on credit score.; Annual Percentage Rate includes $75.00 processing fee. Rates and terms are determined by your credit qualifications.
No additional details available.
As Low As
Beacon Score: 725+; Maximum Amount: $1,500
Term: Monthly Payment* Per Loan Policy; As Low As; additional conditions apply; ask for details
No additional details available.
No additional details available.
Balance: $4,001 - $6,000
No additional details available.
No additional details available.
Unsecured Loan, funds can be used for anything
No additional details available.
Balance: Up to $2,500
No additional details available.
up to $6.000.00; As Low As
As Low As
For general purpose loans of $1000 and greater *2
Credit Score: 750+; Risk: Very Low; Credit Union Score: A+
As Low As
up to $3,000; Credit Score: 750+
Credit Score: 730 +
Published rate range: 10.0% - 18.0%.
As low as
Based upon credit rating
Beacon Score: 675 - 724; Maximum Amount: $1,000
As low as
As Low As
No additional details available.
Your APR will be between 10.50% and 20.50% based on creditworthiness at time of application for loan terms of 1-60 months and amounts $1,500-$15,000. Unsecured Personal Loan Example: if you get approved for a $10,000 loan at 10.50% APR for a term of 24 months, you'll pay just $463.76 a month. Minimum payment is $100 per month, unless specifically stated otherwise for special loan promotions.
As Low As
Credit Rating: A+; Amount: $12,500
Balance: $2,501 to $5,000
As Low As; *
No additional details available.
As low as
As Low As
No additional details available.
Term: $5,000 limit - 1 signature
As Low As; $50 processing fee is included in the calculation of the APR.
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 0.165 points over the past 7 days to 11.028% APR.
Ohio signature loan rates rose 0.149 points over the past 7 days to 12.212% APR.
Ohio Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Ohio figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current OH average personal loan APR of 11.03%, across the terms lenders serving Ohio most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $233.11/mo | $163.76/mo | $129.30/mo | $108.78/mo |
| $10,000 | $466.21/mo | $327.52/mo | $258.59/mo | $217.57/mo |
| $15,000 | $699.32/mo | $491.28/mo | $387.89/mo | $326.35/mo |
| $25,000 | $1,165.53/mo | $818.80/mo | $646.48/mo | $543.91/mo |
| $35,000 | $1,631.74/mo | $1,146.33/mo | $905.08/mo | $761.48/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Ohio
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the OH personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (OH average) | 11.03% | $387.89 | $3,619 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,531 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,066 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,658 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Ohio
Prequalify With a Soft Credit Check
Most lenders serving Ohio will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Ohio data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Ohio auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Ohio high-yield savings account costs nothing and earns interest instead of paying it
Ohio Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $388 monthly loan payment is roughly 10.6% of the median individual income in Ohio. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Ohio.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current OH average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
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 is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Ohio?
- TruPartner Credit Union: 6.70% (Signature Loan)
- Education Personnel Federal Credit Union: 6.89% (Signature (1 year))
- Northwestern Federal Credit Union: 6.99% (Unsecured Signature Loan)
- Firestone Federal Credit Union: 6.99% (Signature 30 Loan)
- Kemba Financial Credit Union: 6.99% (Personal Loan)
