Best Personal Loan Rates in Norman, Oklahoma (OK) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Oklahoma borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Norman, Oklahoma include: Tinker Federal Credit UnionTinker Federal Credit Union1451 12th Ave SE, Norman, OK, 73071A+5.0 ★Texas Ratio: 2.99% offering Storm Shelter Loan at 3.99% APR, Communication Federal Credit UnionCommunication Federal Credit Union300 12th Ave SE, Norman, OK, 73071 4924A5.0 ★Texas Ratio: 7.85% offering Storm Shelter Loan at 5.99% APR, True Sky Federal Credit UnionTrue Sky Federal Credit Union1212 W Lindsey St, Norman, OK, 73069 4308A5.0 ★Texas Ratio: 9.26% offering Firm Foundations Loan at 12.99% APR, Oklahoma Educators Credit UnionOklahoma Educators Credit Union1251 ALAMEDA ST, NORMAN, OK, 73071A+5.0 ★Texas Ratio: 3.16% offering Unsecured Loans at 13.99% APR, and Department of Public Safety Federal Credit UnionDepartment of Public Safety Federal Credit UnionA+5.0 ★Texas Ratio: 0.69% offering Generator Loan at 3.99% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Norman has 4 local institutions in our database, with personal loan rates as low as 3.99% APR from Tinker Federal Credit Union at 1451 12th Ave SE, Norman, OK, 73071. 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 Norman, Oklahoma.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Norman, Oklahoma. 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 6, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1451 12th Ave SE, Norman, OK, 73071
Storm Shelter Loan
3.99%
▼
APR3.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
300 12th Ave SE, Norman, OK, 73071 4924
Storm Shelter Loan
5.99%
▼
APR5.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1451 12th Ave SE, Norman, OK, 73071
Personal Unsecured Loan
10.95%
▼
APR10.95%
Last UpdatedApril 7, 2026
Details
No additional details available.
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
1212 W Lindsey St, Norman, OK, 73069 4308
Firm Foundations Loan
12.99%
▼
APR12.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
1212 W Lindsey St, Norman, OK, 73069 4308
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
300 12th Ave SE, Norman, OK, 73071 4924
Signature
13.24%
▼
APR13.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
1212 W Lindsey St, Norman, OK, 73069 4308
Personal Signature Loan
13.24%
▼
APR13.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1251 ALAMEDA ST, NORMAN, OK, 73071
Unsecured Loans
13.99%
▼
APR13.99%
Last UpdatedApril 7, 2026
Details
As Low As; Rate determined by credit score
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
300 12th Ave SE, Norman, OK, 73071 4924
Flex Loan
15.65%
▼
APR15.65%
Last UpdatedApril 7, 2026
Details
No additional details available.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1451 12th Ave SE, Norman, OK, 73071
Personal Unsecured Loan
17.99%
▼
APR17.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Generator Loan
3.99%
▼
APR3.99%
Last UpdatedApril 7, 2026
Details
As Low As
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SHARE LOAN
4.00%
▼
APR4.00%
Last UpdatedApril 7, 2026
Details
SHARE SECURED
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Storm Shelter Loans
4.24%
▼
APR4.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SHARE LOAN
5.00%
▼
APR5.00%
Last UpdatedApril 7, 2026
Details
SHARED SECURED
APR5.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR5.00%
Last UpdatedApril 7, 2026
Details
As Low As
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Tornado Shelter Loan
5.00%
▼
APR5.00%
Last UpdatedApril 7, 2026
Details
As Low As
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
Personal "Whatever" Loan
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Unsecured Signature Loan
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR7.25%
Last UpdatedApril 7, 2026
Details
As Low As
Employees Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.81%
Promotional Loans
8.24%
▼
APR8.24%
Last UpdatedApril 7, 2026
Details
Fixed
Endurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
SIGNATURE LOAN RATE
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
As Low As
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Storm Shelter Loan
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Storm Shelter Loan
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR9.24%
Last UpdatedApril 7, 2026
Details
Fixed
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 7, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 7, 2026
Details
As Low As
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 7, 2026
Details
As Low As; with specific terms.
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
APR9.90%
Last UpdatedApril 7, 2026
Details
As Low As; Rates as low as 9.90%
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SIGNATURE LOAN
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As; Based on FICO Score
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Credit Builder Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
No credit check
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 7, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 7, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 7, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
APR10.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.19%
▼
APR10.19%
Last UpdatedApril 7, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
10.25%
▼
APR10.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR10.45%
Last UpdatedApril 7, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Personal Custom Loan
10.45%
▼
APR10.45%
Last UpdatedApril 7, 2026
Details
As Low As
APR10.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.69%
▼
APR10.69%
Last UpdatedApril 7, 2026
Details
No additional details available.
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
10.70%
▼
APR10.70%
Last UpdatedApril 7, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.63%
Signature loan
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
As Low As; Up to 36 months (as low as)
APR10.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Computer Loan
10.90%
▼
APR10.90%
Last UpdatedApril 7, 2026
Details
No additional details available.
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
Signature Loans
10.90%
▼
APR10.90%
Last UpdatedApril 7, 2026
Details
No additional details available.
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Unsecured Loan
10.95%
▼
APR10.95%
Last UpdatedApril 7, 2026
Details
As Low As
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
As Low As
Teachers Credit Union Oklahoma City, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
As Low As; Contact Us
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 0-36 months
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR11.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
11.19%
▼
APR11.19%
Last UpdatedApril 7, 2026
Details
No additional details available.
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Signature Loans
11.24%
▼
APR11.24%
Last UpdatedApril 7, 2026
Details
As Low As
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedApril 7, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
As Low As; $10,000 Maximum
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Stress Line Loan
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR11.40%
Last UpdatedApril 7, 2026
Details
As Low As
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Personal/Signature
11.49%
▼
APR11.49%
Last UpdatedApril 7, 2026
Details
As Low As; Up to 15% of gross annual income not to exceed $20,000.
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 7, 2026
Details
As Low As
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
As Low As
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Signature (unsecured)
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 7, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
11.99%
▼
APR11.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 37-60 months
11.99%
▼
APR11.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
CREDIT BUILDER LOAN
12.25%
▼
APR12.25%
Last UpdatedApril 7, 2026
Details
CREDIT BUILDER
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
DEBT CONSOLIDATION
12.25%
▼
APR12.25%
Last UpdatedApril 7, 2026
Details
MAXIMUM $5,000. CALL CREDIT UNION FOR ELIGIBILITY
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
12.25%
▼
APR12.25%
Last UpdatedApril 7, 2026
Details
As Low As; Loan amount from $10,001 - $20,000
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Personal Loan
12.40%
▼
APR12.40%
Last UpdatedApril 7, 2026
Details
No additional details available.
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 7, 2026
Details
As Low As
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan
12.65%
▼
APR12.65%
Last UpdatedApril 7, 2026
Details
As Low As
APR13.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR13.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Signature Loan 36 Months
13.00%
▼
APR13.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured
13.30%
▼
APR13.30%
Last UpdatedApril 7, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
Consolidate Active Revolving Expenses Loan (C.A.R.E)
13.50%
▼
APR13.50%
Last UpdatedApril 7, 2026
Details
up to $5,000
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
Consolidate Active Revolving Expenses Loan (C.A.R.E) to $10,000
13.50%
▼
APR13.50%
Last UpdatedApril 7, 2026
Details
$5,001
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
Signature Loan
14.99%
▼
APR14.99%
Last UpdatedApril 7, 2026
Details
Under $5,000
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Credit Builder Loan
16.49%
▼
APR16.49%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR16.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Payday - Quik Cash Loans
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Fort Sill Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
Payday Alternative Loan (PAL)
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
As Low As
Employees Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.81%
Payday Alternative Loan
18.24%
▼
APR18.24%
Last UpdatedApril 7, 2026
Details
($200 - 1,000)
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Enstant Loans
28.00%
▼
APR28.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR28.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
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MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
1212 W Lindsey St, Norman, OK, 73069 4308
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Endurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
As Low As
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 7, 2026
Details
As Low As; with specific terms.
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 7, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 7, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
As Low As
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedApril 7, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
As Low As
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
As Low As
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Personal Loan
12.40%
▼
APR12.40%
Last UpdatedApril 7, 2026
Details
No additional details available.
Encentus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan
12.65%
▼
APR12.65%
Last UpdatedApril 7, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
DEBT CONSOLIDATION
12.25%
▼
APR12.25%
Last UpdatedApril 7, 2026
Details
MAXIMUM $5,000. CALL CREDIT UNION FOR ELIGIBILITY
Powered by
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
300 12th Ave SE, Norman, OK, 73071 4924
Signature
13.24%
▼
APR13.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
True Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.26%
1212 W Lindsey St, Norman, OK, 73069 4308
Personal Signature Loan
13.24%
▼
APR13.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Unsecured Signature Loan
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedApril 7, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
SIGNATURE LOAN RATE
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR9.24%
Last UpdatedApril 7, 2026
Details
Fixed
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 7, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 7, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As
APR9.90%
Last UpdatedApril 7, 2026
Details
As Low As; Rates as low as 9.90%
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SIGNATURE LOAN
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As; Based on FICO Score
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 7, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.19%
▼
APR10.19%
Last UpdatedApril 7, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
10.25%
▼
APR10.25%
Last UpdatedApril 7, 2026
Details
As Low As
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
10.69%
▼
APR10.69%
Last UpdatedApril 7, 2026
Details
No additional details available.
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
10.70%
▼
APR10.70%
Last UpdatedApril 7, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.63%
Signature loan
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
As Low As; Up to 36 months (as low as)
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
Signature Loans
10.90%
▼
APR10.90%
Last UpdatedApril 7, 2026
Details
No additional details available.
Teachers Credit Union Oklahoma City, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
As Low As; Contact Us
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 0-36 months
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Signature
11.19%
▼
APR11.19%
Last UpdatedApril 7, 2026
Details
No additional details available.
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Signature Loans
11.24%
▼
APR11.24%
Last UpdatedApril 7, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
As Low As; $10,000 Maximum
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Personal/Signature
11.49%
▼
APR11.49%
Last UpdatedApril 7, 2026
Details
As Low As; Up to 15% of gross annual income not to exceed $20,000.
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 7, 2026
Details
As Low As
Fire Fighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Signature (unsecured)
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 7, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
11.99%
▼
APR11.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 37-60 months
11.99%
▼
APR11.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
12.25%
▼
APR12.25%
Last UpdatedApril 7, 2026
Details
As Low As; Loan amount from $10,001 - $20,000
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 7, 2026
Details
As Low As
APR13.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR13.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Energize Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Signature Loan 36 Months
13.00%
▼
APR13.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
Signature Loan
14.99%
▼
APR14.99%
Last UpdatedApril 7, 2026
Details
Under $5,000
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No home improvement personal loan rates found in Norman, OK currently.
Norman, OK Personal Loan Rate Trends
Compare local Norman, OK 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.
Personal Loan — OK Avg
12.709%
▲ 0.643 vs 7 days ago
Oklahoma personal loan rates rose 0.643 points over the past 7 days to 12.709% APR.
Signature Loan — OK Avg
11.047%
Oklahoma signature loan rates currently average 11.047% APR.
As of Apr 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Oklahoma?
Most lenders in Norman, Oklahoma require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Oklahoma often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Norman, Oklahoma require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Oklahoma?
Yes. Debt consolidation is one of the most common uses of personal loans in Norman, Oklahoma. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Norman, Oklahoma?
Credit unions in Norman, Oklahoma often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Norman, Oklahoma?
- Tinker Federal Credit Union: 3.99% (Storm Shelter Loan)
- Communication Federal Credit Union: 5.99% (Storm Shelter Loan)
- True Sky Federal Credit Union: 12.99% (Firm Foundations Loan)
- Oklahoma Educators Credit Union: 13.99% (Unsecured Loans)
- Department of Public Safety Federal Credit Union: 3.99% (Generator Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Norman, Oklahoma. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 6, 2026.
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