Best Personal Loan Rates in Springfield, 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 Springfield, Ohio include: Wright-Patt Credit UnionWright-Patt Credit Union2097 N Bechtle Ave, Springfield, OH, 45504 1583A5.0 ★Texas Ratio: 6.81% offering LTV 85% or Less Loan at 6.75% APR, Pathways Financial Credit UnionPathways Financial Credit Union1850 S Limestone St, Springfield, OH, 45505A5.0 ★Texas Ratio: 6.22% offering Debt Consolidation Loan at 10.44% APR, ih Credit Unionih Credit Union5000 Urbana Rd, Springfield, OH, 45502 9069A5.0 ★Texas Ratio: 6.13% offering Unsecured Loans at 10.49% APR, MyUSA Credit UnionMyUSA Credit Union1620 Upper Valley Pike, Springfield, OH, 45504A+5.0 ★Texas Ratio: 5.71% offering Lifestyle Loan (Personal Loan) at 10.50% APR, and Bridge Credit UnionBridge Credit Union420 York St Ste B, Springfield, OH, 45505 2143A+5.0 ★Texas Ratio: 1.91% offering Personal Loan at 11.36% APR. Personal loan rates as of June 11, 2026 according to verified data from MonitorBankRates.
Springfield has 5 local institutions in our database, with personal loan rates as low as 6.75% APR from Wright-Patt Credit Union at 2097 N Bechtle Ave, Springfield, OH, 45504 1583. 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 Springfield, Ohio.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Springfield, 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
Springfield Personal Loan Rates
Home Equity Line of Credit
Home Equity Line of Credit
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; 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.
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As Low As; ConnectMORE** Rates
As Low As; Everyday Rates
As Low As; ConnectMORE** Rates
As Low As; Everyday Rates
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.
$10,000
$10,000
$10,000
No additional details available.
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Maximum (LTV)Loan to Value: 60%; Adjustment to Index: Prime - 1.0%; Maximum Loan Amount: $250,000
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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
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As Low As; 48 Month Rate
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Up to $25,000; As Low As
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Annual Percentage Rate (upon approved credit) as low as
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$25,000-$50,000; 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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$50,000-$100,000; As Low As
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Beacon Score: 725+
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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.
As Low As; When you contact them, make sure we are the lien holder on the vehicle
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$30; As Low As; Used (2021-2026)
$150,000+; As Low As
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Beacon Score: 725+
Maximum (LTV)Loan to Value: 70%; Adjustment to Index: Prime - 0.5%; Maximum Loan Amount: $250,000
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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
No additional details available.
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Up to 75 % approved stocks
As Low As; When you contact them, make sure we are the lien holder on the vehicle
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Beacon Score: 675 - 724
Maximum $2000; Variable Prime
Maximum (LTV)Loan to Value: 80%; Adjustment to Index: Prime; Maximum Loan Amount: $250,000
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As Low As; i.e., Farm Equipment, trailer, lawn tractors, skid steers, bobcats
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($8,500 Maximum) As low as:
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Up to 30 Months $5,000 limit
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under $10,000; A++ 750+
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.
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.
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Beacon Score: 675 - 724
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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
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under $10,000; A+ 720-749
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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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.
under $10,000; A++ 750+
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No additional details available.
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As Low As; Rates include all possible discounts. Contact us to determine which discounts apply to you.
under $10,000; A+ 720-749
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Springfield Personal Loan Rates
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
As Low As; ConnectMORE** Rates
As Low As; Everyday Rates
As Low As; ConnectMORE** Rates
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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Springfield Debt Consolidation Loan Rates
As Low As; Pay Off Those High Interest Credit Cards!
Take 1.50% off personal loan rates. Offer available through July 31, 2026.
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Springfield Signature Loan Rates
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Up to 30 Months $5,000 limit
($8,500 Maximum) As low as:
No additional details available.
No additional details available.
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Springfield, OH Personal Loan Rate Trends
Compare local Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, Ohio?
What are the best personal loan rates in Springfield, Ohio?
- Wright-Patt Credit Union: 6.75% (LTV 85% or Less Loan)
- Pathways Financial Credit Union: 10.44% (Debt Consolidation Loan)
- ih Credit Union: 10.49% (Unsecured Loans)
- MyUSA Credit Union: 10.50% (Lifestyle Loan (Personal Loan))
- Bridge Credit Union: 11.36% (Personal Loan)
Personal Loan Calculators
