Best Personal Loan Rates in Cleveland, 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 Cleveland, Ohio include: Ohio Educational Credit UnionOhio Educational Credit Union2921 Community College Ave, Cleveland, OH, 44115A+5.0 ★Texas Ratio: 0.89% offering 2025 & Newer Loan at 4.93% APR, Noteworthy Federal Credit UnionNoteworthy Federal Credit Union1900 Superior Ave Ste 126, Cleveland, OH, 44114 2128B-4.3 ★Texas Ratio: 23.16% offering Musical Instrument Loan at 5.25% APR, Steel Valley Federal Credit UnionSteel Valley Federal Credit Union3840 Pearl Rd, Cleveland, OH, 44109 2751A5.0 ★Texas Ratio: 8.01% offering Credit score 730 + Loan at 5.39% APR, Century Federal Credit UnionCentury Federal Credit Union21000 Brookpark Rd, Cleveland, OH, 44135 3127A+5.0 ★Texas Ratio: 4.06% offering 10 Year Loan at 5.82% APR, and Ukrainian Federal Credit UnionUkrainian Federal Credit Union5602 State Rd, Cleveland, OH, 44134A5.0 ★Texas Ratio: 10.03% offering Personal Loan at 7.99% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Cleveland has 14 local institutions in our database, with personal loan rates as low as 4.93% APR from Ohio Educational Credit Union at 2921 Community College Ave, Cleveland, OH, 44115. 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 Cleveland, Ohio.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cleveland, 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 6, 2026
Cleveland Personal Loan Rates
No additional details available.
As Low As; Rates starting at
Used APR: 6.39%
UP TO 85% LTV
No additional details available.
Used APR: 7.39%
As low as; Click Here
Used APR: 8.99%
As Low As
No down payment required
No down payment required
As Low As; up to $35,000
Quik Cash (Line of Credit)
As Low As; Promotional rate for Personal Loan.
No additional details available.
Used APR: 10.99%
Credit Score: 730 +
As Low As; *
As Low As; 10.990%
Credit Score: 680 - 729 +
As Low As; Signature loan APR based on $10,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply.
As Low As; Starting at
Used APR: 12.99%
Monthly payment based on the maximum loan amount at the current interest rate for the maximum loan term.
As Low As
Monthly payment based on the maximum loan amount at the current interest rate for the maximum loan term.
Annual Percentage Rate
Credit Score: 679 - 660 +
Signature Loan
Credit Score: 640 - 659 +
Credit Score: 600 - 639 +
No additional details available.
Credit Score: 640 - 659 +
Credit Score: 600 - 639 +
As Low As; Signature Loan
Credit Score: 600 - 639 +
No Credit Check Loan
Credit Score: 600 - 639 +
As Low As; Emergency loan APR based on $2,000 financed for 12 months with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply.
No additional details available.
Beacon Score: 725+; Beacon Score: 675 - 724; Beacon Score: 625 - 674
No additional details available.
Beacon Score: 725+
Beacon Score: 725+
As Low As
As low as
Adjustment to Index: Prime - 1.0%
As Low As
As Low As
over $30,000; APR*
No additional details available.
As Low As; Model Year
APR*
As Low As
over $15,000; APR*
APR*
APR*
As Low As
No additional details available.
As Low As; APR*
As Low As; 4.74%
As Low As; upon approved credit
As Low As; Bright Auto Loans
No additional details available.
As Low As; Model Year
As Low As; Rates as of April 1, 2026. Up to 100% of average NADA retail value.
As Low As
As Low As
As Low As
As Low As; Bright Auto Loans
As Low As; Model Year
Beacon Score: 725+
Beacon Score: 675 - 724
Beacon Score: 675 - 724
No additional details available.
As Low As
As Low As
$30; As Low As; Bright Auto Loans
As Low As; Used (2021-2026)
As Low As
As Low As
As Low As
As Low As; 63 Month Rate: 5.50%
Beacon Score: 725+
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As; Model Year
No additional details available.
As Low As
As Low As; Used (2020 & Older)
As Low As
$30; As Low As; Bright Auto Loans
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
$1000 minimum; Proof of expenses required, may be used for pet care and funeral expenses as well
$30; As Low As; Used (2021-2026)
No additional details available.
No additional details available.
Adjustment to Index: Prime - 0.5%
As Low As
As Low As
As Low As
As Low As
As Low As; Used (2020 & Older)
As Low As; Model Year
No additional details available.
As Low As
Up to 75 % approved stocks
No additional details available.
Skid Loaders, Utility Trailers, Stock Trailers, etc
Beacon Score: 675 - 724
Beacon Score: 625 - 674
Beacon Score: 625 - 674
As Low As; APR
Skid Loaders, Utility Trailers, Stock Trailers, etc
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As low as; Auto loan rate applies to model years 2019 and newer with a maximum term of 66 months.
As Low As
As Low As
Maximum $2000; Rate: Variable Prime
Adjustment to Index: Prime
As Low As
Beacon Score: 675 - 724
Home Equity Line of Credit
No additional details available.
As Low As
i.e., Farm Equipment, trailer, lawn tractors, skid steers, bobcats; As Low As; *
As Low As
As Low As
As Low As; Defer your first payment for 90 days. 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; ($8,500 Maximum)
As Low As; APR
$5,000 limit
As Low As
under $10,000
No additional details available.
No additional details available.
No additional details available.
As Low As; APR
As Low As
As Low As
As Low As
For general purpose loans of $1000 and greater
No additional details available.
No additional details available.
As Low As; APR
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.
As Low As; APR
No additional details available.
As Low As; *2
As Low As; Rates as of April 1, 2026. Up to 100% of average NADA retail value.
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
under $10,000
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 September 5, 2025 and are subject to change. All loans subject to credit approval.
As Low As; 7.49% APR
As Low As; 7.49% APR
As Low As; 7.49% APR
As Low As; APR
Beacon Score: 625 - 674
No additional details available.
under $10,000
For general purpose loans of $1000 and greater
As Low As; 7.74% APR
Utility Trailers, Garden Tractors, <50 HP motor
As low as
Beacon Score: 625 - 674
under $10,000
Cleveland Personal Loan Rates
As low as; Click Here
As Low As; up to $35,000
As Low As; Promotional rate for Personal Loan.
Credit Score: 730 +
Credit Score: 680 - 729 +
Monthly payment based on the maximum loan amount at the current interest rate for the maximum loan term.
Monthly payment based on the maximum loan amount at the current interest rate for the maximum loan term.
Annual Percentage Rate
Credit Score: 679 - 660 +
Credit Score: 640 - 659 +
Credit Score: 600 - 639 +
Credit Score: 640 - 659 +
Credit Score: 600 - 639 +
Credit Score: 600 - 639 +
Credit Score: 600 - 639 +
As Low As
As Low As; Defer your first payment for 90 days. 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.
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 September 5, 2025 and are subject to change. All loans subject to credit approval.
No additional details available.
Cleveland Debt Consolidation Loan Rates
For a limited time, take 1.50% off personal loan rates. Offer available through July 31, 2026.
Cleveland Signature Loan Rates
As Low As; up to $35,000
Credit Score: 730 +
As Low As; *
Credit Score: 680 - 729 +
As Low As; Signature loan APR based on $10,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply.
Credit Score: 679 - 660 +
Signature Loan
Credit Score: 640 - 659 +
Credit Score: 600 - 639 +
Credit Score: 640 - 659 +
Credit Score: 600 - 639 +
As Low As; Signature Loan
Credit Score: 600 - 639 +
Credit Score: 600 - 639 +
As low as; Auto loan rate applies to model years 2019 and newer with a maximum term of 66 months.
As low as; ($8,500 Maximum)
$5,000 limit
For general purpose loans of $1000 and greater
For general purpose loans of $1000 and greater
As low as
Cleveland, OH Personal Loan Rate Trends
Compare local Cleveland, 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 currently average 11.162% APR.
Ohio signature loan rates currently average 11.089% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cleveland, 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 Cleveland, 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 Cleveland, 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 Cleveland, Ohio?
What are the best personal loan rates in Cleveland, Ohio?
- Ohio Educational Credit Union: 4.93% (2025 & Newer Loan)
- Noteworthy Federal Credit Union: 5.25% (Musical Instrument Loan)
- Steel Valley Federal Credit Union: 5.39% (Credit score 730 + Loan)
- Century Federal Credit Union: 5.82% (10 Year Loan)
- Ukrainian Federal Credit Union: 7.99% (Personal Loan)
Personal Loan Calculators
