Best Personal Loan Rates in Eugene, Oregon (OR) - 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 Eugene, Oregon include: Pentagon Federal Credit UnionPentagon Federal Credit Union400 Country Club Rd, Eugene, OR, 97401A5.0 ★Texas Ratio: 10.64% offering VA Loan at 5.91% APR, Banner BankBanner Bank1175 Valley River Dr, Eugene, OR, 97401A+5.0 ★Texas Ratio: 1.69% offering QuickStep Equipment Loan at 6.29% APR, Central Willamette Credit UnionCentral Willamette Credit Union74 Centennial Loop # A, Eugene, OR, 97401 2451A5.0 ★Texas Ratio: 6.01% offering Emergency Loan at 6.75% APR, EWEB EMPLOYEESEWEB EMPLOYEES4200 Roosevelt Blvd, Eugene, OR, 97402 6520C+4.1 ★Texas Ratio: 25.28% offering Personal Property Loans at 9.00% APR, and OnPoint Community Credit UnionOnPoint Community Credit Union207 Coburg Rd Ste 101, Eugene, OR, 97401A+5.0 ★Texas Ratio: 3.91% offering Personal loan at 11.00% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Eugene has 7 local institutions in our database, with personal loan rates as low as 5.91% APR from Pentagon Federal Credit Union at 400 Country Club Rd, Eugene, OR, 97401. 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 Eugene, Oregon.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Eugene, Oregon. 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 9, 2026
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As Low As; 5-Year fixed rate
As Low As; Rates as low as 5.625% (6.508% APR)
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fixed rate
fixed rate
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As Low As
Up to 60 Months
Maximum personal loan is $10,000; Not to exceed aggregate unsecured amount of $10,000; Repayment: 3% of Credit Limit; Auto Payment Required
Fixed Rate -Maximum Seasonal Loan is $1,200.00 Fixed APR
Fixed APR
Maximum personal loan is $10,000; Not to exceed aggregate unsecured amount of $10,000; Repayment: 3% of Credit Limit; Auto Payment Required
61-72 months
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Fixed APR
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Effective April 1, 2026
Finance Up To: $5,000
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Effective April 1, 2026
APR Range: 6.50%-12.25%
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APR Range: 6.50%-12.25%
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Amortized over 15 years with a balloon due in 60 months
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Amortized over 15 years with a balloon due in 60 months
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Effective April 1, 2026
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As Low As; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.
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As Low As
As Low As; As low as 9.49% APR for 12 months
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As Low As; No payments for 30 days; No origination or annual fees; No prepayment fees; Set up payment terms that fit your budget
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Call for current Promotional Rates.
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As Low As; for a limited time.
As Low As; Consolidate higher rate debt with a Rivermark Personal Loan. Rates as low as 10.45% APR for a limited time.
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As Low As; APR = Annual Percentage Rate. **Monthly payments determined by loan amount, term, and APR. All loans, rates, and terms are subject to credit approval and creditworthiness, are subject to change at any time, and must meet Cutting Edge Federal Credit Union lending policies.
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Personal Loan Special
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$350 min, $2500 max loan amount; New purchases
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As Low As; *Fixed rate, terms up to 60 months available depending on credit score and amount financed. Rate shown applies to Personal Unsecured, Autos, Boats and RVs 2016 or older model year vehicles or vehicles valued at under $10,000 and Cycle Products 2021 or older model year vehicles. OAC. APR = Annual Percentage Rate. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance, and your credit history. Secured and Unsecured Loans are available. Qualified borrowers can receive financing for personal loan needs including Dental, Vision, Cosmetics Procedures, Computers, Lawn Tractors, Older Autos, Snowmobiles, ATVs, Boats and RVs.
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As Low As;(Signature loan)
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Personal Loans, Lines of Credit
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As Low As; * APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Member Perks
As Low As
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As Low As; Unlock your goals-low rates, fast approval, zero hassle!
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As Low As; * APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
APR = Annual Percentage Rate. $20 Quick Loan Application Fee and automatic savings deposit required. Borrowers may only have one Quick Loan at any time, and no more than three in a six-month rolling period. Terms and conditions apply.
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fixed rate
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Up to 60 Months
61-72 months
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As Low As; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.
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As Low As; No payments for 30 days; No origination or annual fees; No prepayment fees; Set up payment terms that fit your budget
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Call for current Promotional Rates.
As Low As
As Low As; for a limited time.
As Low As; Consolidate higher rate debt with a Rivermark Personal Loan. Rates as low as 10.45% APR for a limited time.
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As Low As
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As Low As
Personal Loan Special
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As Low As;(Signature loan)
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As Low As; * APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
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As Low As
Member Perks
As Low As
As Low As
As Low As; Unlock your goals-low rates, fast approval, zero hassle!
As Low As
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As Low As; * APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
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Fixed APR
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Effective April 1, 2026
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Effective April 1, 2026
As Low As; As low as 9.49% APR for 12 months
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Eugene, OR Personal Loan Rate Trends
Compare local Eugene, OR 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.
Oregon personal loan rates rose 0.307 points over the past 7 days to 11.561% APR.
Oregon signature loan rates rose 0.127 points over the past 7 days to 11.294% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Oregon?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Oregon?
Are credit unions or banks better for personal loans in Eugene, Oregon?
What are the best personal loan rates in Eugene, Oregon?
- Pentagon Federal Credit Union: 5.91% (VA Loan)
- Banner Bank: 6.29% (QuickStep Equipment Loan)
- Central Willamette Credit Union: 6.75% (Emergency Loan)
- EWEB EMPLOYEES: 9.00% (Personal Property Loans)
- OnPoint Community Credit Union: 11.00% (Personal loan)
Personal Loan Calculators
