Best Personal Loan Rates in Cincinnati, Ohio (OH) - May 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 Cincinnati, Ohio include: TruPartner Credit UnionTruPartner Credit Union1800 Vine St, Cincinnati, OH, 45202A5.0 ★Texas Ratio: 7.21% offering Signature Loan at 6.70% APR, Cincinnati Interagency Federal Credit UnionCincinnati Interagency Federal Credit Union26 Martin Luther King Dr W, Cincinnati, OH, 45220 2242A+5.0 ★Texas Ratio: 1.15% offering Medical Loan (Unsecured) at 7.49% APR, Greater Cincinnati School Credit UnionGreater Cincinnati School Credit Union7221 Montgomery Rd, Cincinnati, OH, 45236A+5.0 ★Texas Ratio: 3.70% offering Personal Loan at 7.50% APR, Sharefax Credit UnionSharefax Credit Union10590 READING RD, CINCINNATI, OH, 45241A+5.0 ★Texas Ratio: 4.03% offering Signature Loan at 8.75% APR, and General Electric Credit UnionGeneral Electric Credit Union10485 Reading Rd, Cincinnati, OH, 45241 2523A5.0 ★Texas Ratio: 6.82% offering Signature Loans at 9.75% APR. Personal loan rates as of May 22, 2026 according to verified data from MonitorBankRates.
Cincinnati has 11 local institutions in our database, with personal loan rates as low as 6.70% APR from TruPartner Credit Union at 1800 Vine St, Cincinnati, OH, 45202. 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 Cincinnati, Ohio.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cincinnati, 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: May 22, 2026
As Low As
$1000 minimum; -Proof of expenses required, may be used for pet care and funeral expenses as well
As Low As
For general purpose loans of $1000 and greater
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
For general purpose loans of $1000 and greater
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*2; -For general purpose loans of $1000 and greater
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
over $1,000.00
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
No additional details available.
No additional details available.
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
No additional details available.
No additional details available.
No additional details available.
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
As Low As
No additional details available.
No additional details available.
$500.00 - $1,000.00
No additional details available.
No additional details available.
No additional details available.
No additional details available.
$10,000
$50,000
$10,000
$50,000
$10,000
No additional details available.
$10,000
As Low As
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As Low As; *Free CARFAX available
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As Low As; When you contact them, make sure we are the lien holder on the vehicle
As Low As; *Free CARFAX available
No additional details available.
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No additional details available.
As Low As
As Low As; Bright Auto Loans
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As Low As; When you contact them, make sure we are the lien holder on the vehicle
Under $30; Term Limits: Up to 72 Months
Over $30; Term Limits: Up to 84 Months
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As Low As; *Free CARFAX available
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As Low As
Beacon Score: 725+
Term Limits: Up to 72 Months
As Low As; Bright Auto Loans
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No additional details available.
No additional details available.
As Low As; With rates as low as 5.99% APR, you can finance the getaway you've been dreaming about and pay it back with affordable monthly payments.
As Low As; When you contact them, make sure we are the lien holder on the vehicle
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No additional details available.
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As Low As
Beacon Score: 725+
As Low As
No additional details available.
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As Low As; When you contact them, make sure we are the lien holder on the vehicle
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Up to 75 % approved stocks
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As Low As
No additional details available.
As Low As; Up to 84 months
As Low As; Up to 84 months
No additional details available.
Beacon Score: 675 - 724
As Low As
Maximum $2000
As Low As
Up to 30 Months $5,000 limit
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As Low As; When you contact them, make sure we are the lien holder on the vehicle
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As Low As
No additional details available.
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Beacon Score: 675 - 724
As Low As; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months.
As Low As
No additional details available.
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No additional details available.
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$8,000-$14,999; Based on a 5-year fixed rate loan of $10,000 and a credit score of 700
$10,000; As Low As
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As Low As
No additional details available.
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As Low As
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As Low As; When you contact them, make sure we are the lien holder on the vehicle
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As Low As
As Low As
Beacon Score: 625 - 674
As Low As; up to 84 months
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No additional details available.
No additional details available.
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As Low As; Up to 60 months and $20,000
No additional details available.
second mortgage only
Up to 40 Months $10,000 limit
Beacon Score: 625 - 674
As Low As
As Low As; APR - 9.392%
As Low As
As Low As
As Low As; *
As Low As
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
As Low As
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
No additional details available.
No additional details available.
Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
As Low As
No additional details available.
As Low As
As Low As
As Low As; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months.
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As Low As
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As Low As
As Low As; Pay Off Those High Interest Credit Cards!
As Low As
As Low As
For general purpose loans of $1000 and greater
As Low As
For general purpose loans of $1000 and greater
As Low As
*2; -For general purpose loans of $1000 and greater
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
As Low As
Up to 30 Months $5,000 limit
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$10,000; As Low As
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As Low As; Up to 60 months and $20,000
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Cincinnati, OH Personal Loan Rate Trends
Compare local Cincinnati, OH 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 0.135 points over the past 7 days to 11.153% APR.
Ohio signature loan rates fell 0.153 points over the past 7 days to 10.814% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cincinnati, 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 Cincinnati, 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 Cincinnati, 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 Cincinnati, Ohio?
What are the best personal loan rates in Cincinnati, Ohio?
- TruPartner Credit Union: 6.70% (Signature Loan)
- Cincinnati Interagency Federal Credit Union: 7.49% (Medical Loan (Unsecured))
- Greater Cincinnati School Credit Union: 7.50% (Personal Loan)
- Sharefax Credit Union: 8.75% (Signature Loan)
- General Electric Credit Union: 9.75% (Signature Loans)
Personal Loan Calculators
