Best Personal Loan Rates in Salem, 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 Salem, Oregon include: Unitus Community Credit UnionUnitus Community Credit Union3820 Market St NE, Salem, OR, 97301 1830A+5.0 ★Texas Ratio: 4.22% offering Immigration Loan at 6.07% APR, Central Willamette Credit UnionCentral Willamette Credit Union852 Lancaster Dr SE, Salem, OR, 97317A5.0 ★Texas Ratio: 6.01% offering Emergency Loan at 6.75% APR, Teamsters Council #37 Federal Credit UnionTeamsters Council #37 Federal Credit Union750 Browning Ave SE, Salem, OR, 97302 3806A+5.0 ★Texas Ratio: 0.55% offering Signature Loan at 9.99% APR, Valley Credit Union Salem, ORValley Credit Union Salem, OR2096 Mission St Se, Salem, OR, 97302B4.4 ★Texas Ratio: 21.74% offering Lifeline Loans at 10.00% APR, and OnPoint Community Credit UnionOnPoint Community Credit Union645 9th St NW Ste 185, Salem, OR, 97304A+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.
Salem has 8 local institutions in our database, with personal loan rates as low as 6.07% APR from Unitus Community Credit Union at 3820 Market St NE, Salem, OR, 97301 1830. 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 Salem, Oregon.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Salem, 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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APR Range: 6.50%-12.25%
APR Range: 6.50%-12.25%
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fixed rate
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fixed rate
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.
Up to 60 Months
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61-72 months
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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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Effective April 1, 2026
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Finance Up To: $5,000
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As Low As; 5-Year fixed rate
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Effective April 1, 2026
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As Low As; Rates as low as 5.625% (6.508% APR)
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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 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
$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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Member Perks
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As Low As; Unlock your goals-low rates, fast approval, zero hassle!
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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
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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 APR
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fixed rate
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As Low As
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.
Up to 60 Months
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61-72 months
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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; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.
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As Low As
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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
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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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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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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Fixed APR
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Salem, OR Personal Loan Rate Trends
Compare local Salem, 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 0.229 points over the past 7 days to 11.561% APR.
Oregon signature loan rates rose 0.204 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 Salem, Oregon?
What are the best personal loan rates in Salem, Oregon?
- Unitus Community Credit Union: 6.07% (Immigration Loan)
- Central Willamette Credit Union: 6.75% (Emergency Loan)
- Teamsters Council #37 Federal Credit Union: 9.99% (Signature Loan)
- Valley Credit Union Salem, OR: 10.00% (Lifeline Loans)
- OnPoint Community Credit Union: 11.00% (Personal loan)
Personal Loan Calculators
