Best Personal Loan Rates in Willoughby, Ohio (OH) - April 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 Willoughby, Ohio include: Citizens BankCitizens Bank4015 Erie St, Willoughby, OH, 44094A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, WES Credit UnionWES Credit Union38024 2nd St, Willoughby, OH, 44094 6105A+5.0 ★Texas Ratio: 3.32% offering Signature at 9.49% APR, Cardinal Credit Union IncCardinal Credit Union Inc34465 Euclid Ave Unit 2, Willoughby, OH, 44094A5.0 ★Texas Ratio: 7.29% offering Unsecured Loan at 10.99% APR, Firefighters Community Credit UnionFirefighters Community Credit Union4012 Erie St, Willoughby, OH, 44094A+5.0 ★Texas Ratio: 4.09% offering Signature Loan at 11.40% APR, and Ohio Healthcare Federal Credit UnionOhio Healthcare Federal Credit UnionA+5.0 ★Texas Ratio: 1.11% offering Recreational Loans at 4.00% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Willoughby has 4 local institutions in our database, with personal loan rates as low as 5.45% APR from Citizens Bank at 4015 Erie St, Willoughby, OH, 44094. 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 Willoughby, Ohio.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Willoughby, 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: April 11, 2026
Fixed rates
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
Up to $15,000
Fixed rates
Variable rates
As Low As
As Low As; Rates based on credit history, number of years the loan is financed and the amount financed. Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. **APR = Annual Percentage Rate. Signature loan APR based on $10,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Share secured loan APR based on $5,000 financed for 48 months with qualifying credit, including loan processing fee of $75. 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.
As Low As; Rates based on credit history, number of years the loan is financed and the amount financed. Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. **APR = Annual Percentage Rate. Signature loan APR based on $10,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Share secured loan APR based on $5,000 financed for 48 months with qualifying credit, including loan processing fee of $75. 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.
As Low As; Terms up to 120 months; Competitive rates - as low as you'll find anywhere! Can even cost less than promotional dealer financing; Pre-approvals to make shopping easy; Loan refinance from other lender; No pre-payment penalty; No application fee
$10,000
$50,000
$10,000
$50,000
$10,000
No additional details available.
$10,000
As Low As
As Low As
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Based on the rate of 5.02% APR, the total interest paid would be $13.70 with a year term.
$50,000
As Low As
As Low As; 2.00% over CD
As Low As
$10,000
$50,000
$10,000
As Low As; November 1 - December 31; Open to all credit scores
No additional details available.
Offer valid on equipment term loans only. No lines of credit. Offer expires 4/15/2026. No refinancing of Northwest exisiting debt. SBA Loans and business credit cards are not eligible for promotional offer. All standard rates and terms apply. See bank for detials.
As Low As
No additional details available.
As Low As
Over $100,000
As Low As
Up to $100,000
Up to 75 % approved stocks
As Low As
No additional details available.
As Low As; Up to 84 months
As Low As; Up to 84 months
As Low As
Maximum $2000
As Low As
As Low As; Rates are subject to change without notice. Rates for this product are determined by an evaluation of the applicant's credit and assume automatic loan payments.
Up to 30 Months $5,000 limit
As Low As
As low as:
As Low As
As Low As
No additional details available.
As Low As
As Low As; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months.
As Low As
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club*
As Low As
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club*
As Low As
No additional details available.
No additional details available.
Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club*
$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.
No additional details available.
$4,000 max
As Low As; $10,000 maximum
As Low As
As Low As
As Low As
As Low As
As Low As; Credit score of 630 and above required
As Low As
No additional details available.
$4,000 max
As Low As
As Low As; up to 84 months
As Low As
As Low As
As Low As
$4,000 max
No additional details available.
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.
As Low As
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.
second mortgage only
As Low As; Up to 60 months and $20,000
Up to 40 Months $10,000 limit
No additional details available.
As Low As
$5,000
Minimum Loan Amount $500; Terms up to 18 Mos.
As Low As
As Low As
As Low As; APR - 9.392%
As Low As
As Low As
No additional details available.
As Low As; *
Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club*
As low as
No additional details available.
No additional details available.
No additional details available.
As Low As; Borrow up to $25,000; Terms up to 60 months; Credit Life/Disability Insurance available; Debt consolidation
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As; Offer expires May 31, 2026.
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As; Personal*
No additional details available.
No additional details available.
Up to $2,500
$7,501
$2,501
$5,001
As Low As
up to $10,000; As Low As; Up to 36 Months
up to $25,000,; As Low As
As Low As; up to 36 months
As Low As; 36 months, 2 year draw
As Low As; APR - 10.311%
As Low As
$7,500; As Low As
Regular APR: 9.99% - 20.50%
As Low As
As Low As
As Low As; $1,000-$2,499 / up to 24 months
As Low As
$1,000-$2,499; As Low As
As Low As; 12 months to pay, and NO loan fees!
No additional details available.
As Low As; A $1,000 loan at 9.99% APR will result in 12 monthly payments of $87.91.
As Low As
As Low As
A++ (750+); up to $3,000
As Low As
As Low As; Monthly installments of $120.78 based on $5,000.00 loan amount over 48 months.
Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club*
Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club*
Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club*
As Low As
As Low As
Minimum Loan Amount $500; Terms up to 18 Mos.
Minimum Loan Amount $500; Terms up to 18 Mos.
$5,000
Minimum Loan Amount $500; Terms up to 18 Mos.
No additional details available.
As low as
Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club*
No additional details available.
No additional details available.
No additional details available.
As Low As; Personal*
No additional details available.
up to $10,000; As Low As; Up to 36 Months
up to $25,000,; As Low As
As Low As; $1,000-$2,499 / up to 24 months
As Low As
As Low As
As Low As
As Low As
As Low As
$1,000-$2,499; As Low As
$7,500; As Low As
As Low As; Pay Off Those High Interest Credit Cards!
As Low As
$10,000 max
$10,000 max
$10,000 max
$10,000 max
$10,000 max
$10,000 max
Up to $15,000
As Low As; Rates based on credit history, number of years the loan is financed and the amount financed. Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. **APR = Annual Percentage Rate. Signature loan APR based on $10,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Share secured loan APR based on $5,000 financed for 48 months with qualifying credit, including loan processing fee of $75. 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.
As Low As
As low as:
Up to 30 Months $5,000 limit
As Low As
As Low As
As Low As; $10,000 maximum
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Up to 60 months and $20,000
As Low As
As Low As
As Low As; Borrow up to $25,000; Terms up to 60 months; Credit Life/Disability Insurance available; Debt consolidation
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
$5,001
$2,501
$7,501
Up to $2,500
As Low As; up to 36 months
As Low As
As Low As
No additional details available.
As Low As
Regular APR: 9.99% - 20.50%
A++ (750+); up to $3,000
Willoughby, OH Personal Loan Rate Trends
Compare local Willoughby, 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 0.524 points over the past 7 days to 11.158% APR.
Ohio signature loan rates fell 0.584 points over the past 7 days to 11.279% APR.
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 Willoughby, Ohio?
What are the best personal loan rates in Willoughby, Ohio?
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
- WES Credit Union: 9.49% (Signature)
- Cardinal Credit Union Inc: 10.99% (Unsecured Loan)
- Firefighters Community Credit Union: 11.40% (Signature Loan)
- Ohio Healthcare Federal Credit Union: 4.00% (Recreational Loans)
Personal Loan Calculators
