Best Personal Loan Rates in Columbus, 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 Columbus, Ohio include: Education First Credit Union IncEducation First Credit Union Inc510 E Mound St, Columbus, OH, 43215 5539A5.0 ★Texas Ratio: 10.47% offering Credit Builder Loan at 6.75% APR, First Service Federal Credit UnionFirst Service Federal Credit Union1660 Holt Rd, Columbus, OH, 43228 3649A+5.0 ★Texas Ratio: 2.26% offering Motorsports Loan at 8.24% APR, BMI Federal Credit UnionBMI Federal Credit Union760 Kinnear Rd, Columbus, OH, 43212 1488A+5.0 ★Texas Ratio: 3.32% offering Debt Consolidation at 8.99% APR, Pathways Financial Credit UnionPathways Financial Credit Union5665 N Hamilton Rd, Columbus, OH, 43230A5.0 ★Texas Ratio: 6.22% offering Debt Consolidation Loan at 10.44% APR, and Telhio Credit UnionTelhio Credit Union330 Rush Aly Ste 500, Columbus, OH, 43215 3931A5.0 ★Texas Ratio: 13.21% offering Personal Loan at 10.51% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Columbus has 11 local institutions in our database, with personal loan rates as low as 6.75% APR from Education First Credit Union Inc at 510 E Mound St, Columbus, OH, 43215 5539. 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 Columbus, Ohio.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Columbus, 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 23, 2026
Maximum $2000
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As Low As; $1,000 - $15,000 / Up to 84 months
As Low As; $1,000-$2,499 / up to 24 months
$7,500; As Low As; up to 60 Months
As Low As; Pay Off Those High Interest Credit Cards!
As Low As; Quick and convenient financing with trusted financial partners.; Your loan is local, meaning your money stays right here in our central Ohio communities.
As Low As; A $150 doc prep fee applies. Rates are subject to change without notice. All rates and terms subject to credit approval. Additional discounts may be available.
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As Low As; ConnectMORE** Rates
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As Low As; APRs shown are based on $20,000 loan at the maximum term with a $95 processing fee.
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$95 Annual Fee
$10,000
$50,000
$10,000
$50,000
$10,000
No additional details available.
$10,000
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As Low As; *Free CARFAX available
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No additional details available.
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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Beacon Score: 725+
Term Limits: Up to 72 Months
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Up to 60 Months. Copy of purchase order required. Loan limited to purchase price or NADA value. $50,000 limit
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No additional details available.
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As Low As; Bright Auto Loans
As Low As; When you contact them, make sure we are the lien holder on the vehicle
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Beacon Score: 725+
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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
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Up to 75 % approved stocks
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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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No additional details available.
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No additional details available.
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Beacon Score: 675 - 724
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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
under $10,000; A++ 750+
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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.
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Beacon Score: 675 - 724
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; A+ 720-749
As Low As; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months.
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No additional details available.
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$1000 minimum; -Proof of expenses required, may be used for pet care and funeral expenses as well
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under $10,000; A++ 750+
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under $10,000; A+ 720-749
$8,000-$14,999; Based on a 5-year fixed rate loan of $10,000 and a credit score of 700
No additional details available.
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$10,000; As Low As
under $10,000; A++ 750+
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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; up to 84 months
Beacon Score: 625 - 674
under $10,000; A 650-719
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No additional details available.
No additional details available.
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
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As Low As; Contact us for details.
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As Low As; $1,000 - $15,000 / Up to 84 months
As Low As; $1,000-$2,499 / up to 24 months
$7,500; As Low As; up to 60 Months
As Low As; Quick and convenient financing with trusted financial partners.; Your loan is local, meaning your money stays right here in our central Ohio communities.
As Low As; A $150 doc prep fee applies. Rates are subject to change without notice. All rates and terms subject to credit approval. Additional discounts may be available.
As Low As
No additional details available.
As Low As; ConnectMORE** Rates
As Low As; Everyday Rates
No additional details available.
No additional details available.
As Low As; ConnectMORE** Rates
As Low As; APRs shown are based on $20,000 loan at the maximum term with a $95 processing fee.
As Low As; Everyday Rates
As Low As
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As Low As; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months.
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Minimum Loan Amount $500; Terms up to 18 Mos.; Rate Discount : Automatic Debit(a) -0.25% APR Eligible
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As Low As; Pay Off Those High Interest Credit Cards!
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Up to 30 Months $5,000 limit
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For general purpose loans of $1000 and greater
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Columbus, OH Personal Loan Rate Trends
Compare local Columbus, 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 Columbus, 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 Columbus, 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 Columbus, 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 Columbus, Ohio?
What are the best personal loan rates in Columbus, Ohio?
- Education First Credit Union Inc: 6.75% (Credit Builder Loan)
- First Service Federal Credit Union: 8.24% (Motorsports Loan)
- BMI Federal Credit Union: 8.99% (Debt Consolidation)
- Pathways Financial Credit Union: 10.44% (Debt Consolidation Loan)
- Telhio Credit Union: 10.51% (Personal Loan)
Personal Loan Calculators
