Best Personal Loan Rates in Cincinnati, Ohio - June 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: 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 New & Recent Model Loan at 5.24% APR, TruPartner Credit UnionTruPartner Credit Union1800 Vine St, Cincinnati, OH, 45202A5.0 ★Texas Ratio: 7.21% offering Signature Loan at 6.70% APR, Wright-Patt Credit UnionWright-Patt Credit Union3 Enfield St, Cincinnati, OH, 45218 1402A5.0 ★Texas Ratio: 6.81% offering LTV 85% or Less Loan at 6.75% APR, TruistTruist3701 Montomgery Road, Cincinnati, OH, 45207A+5.0 ★Texas Ratio: 3.63% offering Variable Rate Loan at 7.50% APR, and Sharefax Credit UnionSharefax Credit Union10590 READING RD, CINCINNATI, OH, 45241A+5.0 ★Texas Ratio: 4.03% offering Signature Loan at 8.75% APR. Personal loan rates as of June 11, 2026 according to verified data from MonitorBankRates.
Cincinnati has 12 local institutions in our database, with personal loan rates as low as 5.24% APR from Cincinnati Interagency Federal Credit Union at 26 Martin Luther King Dr W, Cincinnati, OH, 45220 2242. 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: June 11, 2026
Cincinnati Personal Loan Rates
Annual Percentage Rate (upon approved credit) as low as
No additional details available.
As Low As
Home Equity Line of Credit
No additional details available.
Special introductory variable rate as low as Prime minus 1.51% for 9 months from the date of account opening. Currently 5.99% APR. After the 9 months, the rate will be the standard approved variable rate, currently ranging between 7.50% to 14.85% APR. Rates will fluctuate based on changes to the index rate. Excellent credit is required to qualify for the lowest rates.
No additional details available.
Home Equity Line of Credit
No additional details available.
As Low As
Take 1.50% off personal loan rates. Offer available through July 31, 2026.
As Low As
over $1,000.00
As Low As
As Low As
Credit Rating: A+; Amount: $10,000
No additional details available.
18.00%
Credit Rating: A; Amount: $10,000
Credit Rating: B; Amount: $7,500
No additional details available.
No additional details available.
No additional details available.
As Low As
Credit Rating: C; Amount: $4,000
No additional details available.
$500.00 - $1,000.00
Credit Rating: D; Amount: $2,000
No additional details available.
No additional details available.
No additional details available.
$10,000
$10,000
$10,000
No additional details available.
As Low As
Maximum (LTV)Loan to Value: 60%; Adjustment to Index: Prime - 1.0%; Maximum Loan Amount: $250,000
As Low As
As Low As; *Free CARFAX available
As Low As
As Low As
As Low As
As Low As
As Low As; When you contact them, make sure we are the lien holder on the vehicle
As Low As
As Low As; 48 Month Rate
As Low As; *Free CARFAX available
No additional details available.
As Low As
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Up to $25,000; 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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$25,000-$50,000; As Low As
As Low As
As Low As
As Low As; When you contact them, make sure we are the lien holder on the vehicle
As Low As
As Low As
As Low As
As Low As
As Low As; *Free CARFAX available
As Low As
$50,000-$100,000; As Low As
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As Low As; Used (2021-2026)
$30; As Low As
Beacon Score: 725+
As Low As
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$100,000-$150,000; As Low As
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$30; As Low As
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Up to 60 Months. Copy of purchase order required. Loan limited to purchase price or NADA value. $50,000 limit
No additional details available.
No additional details available.
As Low As; When you contact them, make sure we are the lien holder on the vehicle
As Low As
As Low As
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$150,000+; As Low As
$30; As Low As; Used (2021-2026)
No additional details available.
Beacon Score: 725+
Maximum (LTV)Loan to Value: 70%; Adjustment to Index: Prime - 0.5%; Maximum Loan Amount: $250,000
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
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Up to 72 months. Copy of purchase order required. Loan limited to purchase price or NADA value. Minimum loan $30,000/Maximum $50,000 limit
As Low As
As Low As
No additional details available.
As Low As
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
As Low As
As Low As
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As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Maximum (LTV)Loan to Value: 80%; Adjustment to Index: Prime; Maximum Loan Amount: $250,000
As Low As
As Low As
Maximum $2000; Variable Prime
Beacon Score: 675 - 724
As Low As; i.e., Farm Equipment, trailer, lawn tractors, skid steers, bobcats
Up to 30 Months $5,000 limit
As Low As
As Low As
($8,500 Maximum) As low as:
As Low As
As Low As
As Low As
As Low As; When you contact them, make sure we are the lien holder on the vehicle
under $10,000; A++ 750+
As Low As
As Low As
As Low As
No additional details available.
As Low As; *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.; Includes dirt bikes, motorcycles (under 500cc), personal watercrafts, ATVs and snowmobiles.
As Low As
Beacon Score: 675 - 724
As Low As
As Low As
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under $10,000; A+ 720-749
Variable Rate; 1.5% of amount borrowed per month. Cannot exceed 80% of loan to value $100,000 maximum - 1st lien pledged only. $50,000 maximum- 2nd lien pledged
As Low As
As Low As; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months.
No additional details available.
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As Low As
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under $10,000; A++ 750+
As Low As
No additional details available.
As Low As
As Low As; Rates include all possible discounts. Contact us to determine which discounts apply to you.
under $10,000; A+ 720-749
As low as
No additional details available.
As Low As
As Low As
As Low As
Cincinnati Personal Loan Rates
Take 1.50% off personal loan rates. Offer available through July 31, 2026.
As Low As
18.00%
No additional details available.
No additional details available.
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.
As Low As
Cincinnati Debt Consolidation Loan Rates
Take 1.50% off personal loan rates. Offer available through July 31, 2026.
As Low As; Pay Off Those High Interest Credit Cards!
As Low As
Cincinnati Signature Loan Rates
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
Credit Rating: A+; Amount: $10,000
Credit Rating: A; Amount: $10,000
Credit Rating: B; Amount: $7,500
Credit Rating: C; Amount: $4,000
Credit Rating: D; Amount: $2,000
Up to 30 Months $5,000 limit
($8,500 Maximum) As low as:
As low as
As Low As
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 fell 0.231 points over the past 7 days to 11.221% APR.
Ohio signature loan rates rose 0.056 points over the past 7 days to 10.892% 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?
- Cincinnati Interagency Federal Credit Union: 5.24% (New & Recent Model Loan)
- TruPartner Credit Union: 6.70% (Signature Loan)
- Wright-Patt Credit Union: 6.75% (LTV 85% or Less Loan)
- Truist: 7.50% (Variable Rate Loan)
- Sharefax Credit Union: 8.75% (Signature Loan)
Personal Loan Calculators
