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Pennsylvania Best Personal Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Pennsylvania 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 Pennsylvania include: Reading Berks School Employees Credit UnionReading Berks School Employees Credit Union4641 Pottsville Pike, Reading, PA, 19605A+5.0 ★Texas Ratio: 0.89% offering PLEDGED SHARE LOANS at 4.50% APR, Ingersoll Rand Federal Credit UnionIngersoll Rand Federal Credit Union199 N Main St, Athens, PA, 18810 1707A5.0 ★Texas Ratio: 7.43% offering Solar Loan at 5.49% APR, ADVANTAGE FINANCIALADVANTAGE FINANCIAL5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144A5.0 ★Texas Ratio: 6.83% offering Personal Loans at 6.49% APR, General Electric Employees Federal Credit UnionGeneral Electric Employees Federal Credit Union230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902A+5.0 ★Texas Ratio: 4.95% offering Personal Loan at 6.50% APR, and York Educational Federal Credit UnionYork Educational Federal Credit Union1601 S Queen St, York, PA, 17403 4630A+5.0 ★Texas Ratio: 0.50% offering Personal Loans at 6.50% APR. Personal loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Pennsylvania side-by-side. Pennsylvania personal loan rates currently start as low as 4.50% APR from Reading Berks School Employees Credit Union at 4641 Pottsville Pike, Reading, PA, 19605. Rates are continually updated, so 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 Pennsylvania.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Pennsylvania. 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: September 22, 2026
Pennsylvania Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Reading Berks School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
4641 Pottsville Pike, Reading, PA, 19605
PLEDGED SHARE LOANSTerm: UP TO 72 MONTHS
4.50%
▼
APR4.50%
Interest Rate4.50%
TermUP TO 72 MONTHS
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
199 N Main St, Athens, PA, 18810 1707
Solar LoanTerm: 0-60 months
5.49%
▼
APR5.49%
Term0-60 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
199 N Main St, Athens, PA, 18810 1707
Solar LoanTerm: 61-120 months
6.49%
▼
APR6.49%
Term61-120 months
Last UpdatedSeptember 22, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Personal LoansTerm: 12 months or less
6.49%
▼
APR6.49%
Term12 months or less
Last UpdatedSeptember 22, 2026
Details
As Low As; Auto Pay Discount: 6.39%
General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Personal LoanTerm: 15 months
6.50%
▼
APR6.50%
Term15 months
Last UpdatedSeptember 22, 2026
Details
As Low As; Special fixed up to 15 months!
General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Prestamos personales LoanTerm: 15 meses
6.50%
▼
APR6.50%
Term15 meses
Last UpdatedSeptember 22, 2026
Details
As Low As; Especial!
York Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1601 S Queen St, York, PA, 17403 4630
Personal Loans
6.50%
▼
APR6.50%
Term—
Last UpdatedSeptember 22, 2026
Details
As Low As; Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
COLFAX POWER PLANT EMPLOYEES
Institution Rating:
D3.4 ★Texas Ratio: 33.72%
832 PITTSBURGH ST, SPRINGDALE, PA, 15144 1623
Promotional Personal LoanTerm: 48 months
6.50%
▼
APR6.50%
Term48 months
Last UpdatedSeptember 22, 2026
Details
Maximum of one (1) per member.
IRON WORKERS
Institution Rating:
C-3.4 ★Texas Ratio: 25.00%
2201 Liberty Ave Ste 201, Pittsburgh, PA, 15222 4512
Signature LoanTerm: up to 60 months
6.50%
▼
APR6.50%
Termup to 60 months
Last UpdatedSeptember 22, 2026
Details
As low as
InFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
935 Philadelphia St, Indiana, PA, 15701
3 Year Personal LoanTerm: 3 Year
6.89%
▼
APR6.89%
Interest Rate6.75%
Term3 Year
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
711 Linden Ave, East Pittsburgh, PA, 15112
Signature Loan
6.90%
▼
APR6.90%
Term—
Last UpdatedSeptember 22, 2026
Details
Rates As Low As
UFCW Local #72 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
800 Wyoming Ave, Wyoming, PA, 18644
SIGNATURE LOANSTerm: 12 months
6.90%
▼
APR6.90%
Term12 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2307 Brown St, Philadelphia, PA, 19130
Personal LoanTerm: 1 to 5 years
6.99%
▼
APR6.99%
Term1 to 5 years
Last UpdatedSeptember 22, 2026
Details
Rates as low as
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
Personal Loans
6.99%
▼
APR6.99%
Interest Rate6.99%
Term—
Last UpdatedSeptember 22, 2026
Details
Rates are 'as low as'.
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1601 Kenneth Rd, York, PA, 17408 2228
Personal LoansTerm: 36 months
6.99%
▼
APR6.99%
Interest Rate6.99%
Term36 months
Last UpdatedSeptember 22, 2026
Details
Minimum loan amount is $500.00, maximum loan amount is $15,000.00. 700 credit score and above. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Cannot be combined with any other offer other than the 3-star discount. Promotion may be cancelled at any time. Effective July 1 - September 30, 2026.
Latrobe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
1812 Ligonier St, Latrobe, PA, 15650 2917
Signature Loan
7.00%
▼
APR7.00%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
115 Clay St, North East, PA, 16428 1537
Personal LoansTerm: 12 Months
7.00%
▼
APR7.00%
Term12 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
InFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
935 Philadelphia St, Indiana, PA, 15701
4 Year Personal LoanTerm: 4 Year
7.11%
▼
APR7.11%
Interest Rate7.00%
Term4 Year
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: Up to 12 months
7.24%
▼
APR7.24%
TermUp to 12 months
Last UpdatedSeptember 22, 2026
Details
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
InFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
935 Philadelphia St, Indiana, PA, 15701
5 Year Personal LoanTerm: 5 Year
7.34%
▼
APR7.34%
Interest Rate7.25%
Term5 Year
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3503 Peach St, Erie, PA, 16508
EZ Personal Loan (Unsecured Loan)Term: Up to 36 months
7.49%
▼
APR7.49%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Freedom United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
115 Perry Hwy Ste 176, Harmony, PA, 16037 9205
Unsecured LoanTerm: 12 winter
7.49%
▼
APR7.49%
Term12 winter
Last UpdatedSeptember 22, 2026
Details
No additional details available.
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
335 W Butler Ave, Chalfont, PA, 18914
Personal Loan SpecialsTerm: 5-Year (60 month)
7.49%
▼
APR7.49%
Term5-Year (60 month)
Last UpdatedSeptember 22, 2026
Details
No additional details available.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Personal LoansTerm: 13 - 24 months
7.49%
▼
APR7.49%
Term13 - 24 months
Last UpdatedSeptember 22, 2026
Details
As Low As; Auto Pay Discount: 7.39%
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 1 year
7.50%
▼
APR7.50%
Term1 year
Last UpdatedSeptember 22, 2026
Details
Rate applies to Signature Loans - Unsecured. APR*
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoanTerm: 2 Years
7.50%
▼
APR7.50%
Term2 Years
Last UpdatedSeptember 22, 2026
Details
As Low As
Bva Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
608 Rostraver Rd, Belle Vernon, PA, 15012 1941
Signature LoanTerm: 24 Months
7.50%
▼
APR7.50%
Term24 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
Personal LoansTerm: up to 60 Months
7.50%
▼
APR7.50%
Termup to 60 Months
Last UpdatedSeptember 22, 2026
Details
Published APR range: 7.50%-17.80%.
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
193 Edison St, Uniontown, PA, 15401
Signature LoansTerm: Up to 12 mos.
7.50%
▼
APR7.50%
TermUp to 12 mos.
Last UpdatedSeptember 22, 2026
Details
up to $10,000; Published APR range: 7.50% - 11.50%.
General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Personal LoanTerm: 36 months
7.74%
▼
APR7.74%
Term36 months
Last UpdatedSeptember 22, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Prestamos personales LoanTerm: 36 meses
7.74%
▼
APR7.74%
Term36 meses
Last UpdatedSeptember 22, 2026
Details
As Low As
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: 13-24 months
7.74%
▼
APR7.74%
Term13-24 months
Last UpdatedSeptember 22, 2026
Details
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
317 Brownsville Rd, Pittsburgh, PA, 15210
Signature - Max LoanTerm: 36 Months
7.75%
▼
APR7.75%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 2 years
7.75%
▼
APR7.75%
Term2 years
Last UpdatedSeptember 22, 2026
Details
Rate applies to Signature Loans - Unsecured. APR*
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoanTerm: 3 Years
7.75%
▼
APR7.75%
Term3 Years
Last UpdatedSeptember 22, 2026
Details
As Low As
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
115 Clay St, North East, PA, 16428 1537
Personal LoansTerm: 24 Months
7.75%
▼
APR7.75%
Term24 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 24 months
7.75%
▼
APR7.75%
Term24 months
Last UpdatedSeptember 22, 2026
Details
Max Amount: $12,500
Highway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
405 Laurel St, Hughestown, PA, 18640
Signature LoanTerm: 12-18 Months
7.75%
▼
APR7.75%
Term12-18 Months
Last UpdatedSeptember 22, 2026
Details
Credit Score: 750-Above
UFCW Local #72 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
800 Wyoming Ave, Wyoming, PA, 18644
SIGNATURE LOANSTerm: 24 months
7.90%
▼
APR7.90%
Term24 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2859 SR 309 HWY, Dallas, PA, 18612
Signature LoanTerm: Up to 72 Months
7.90%
▼
APR7.90%
TermUp to 72 Months
Last UpdatedSeptember 22, 2026
Details
Published APR range: 7.90% - 18.00%.
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Personal Loan
7.95%
▼
APR7.95%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as; View Rates >
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
Personal Unsecured LoanTerm: Up to 36 months
7.95%
▼
APR7.95%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details
Published APR range: 7.95 - 12.95%. Max. $10,000.00
Democracy Federal Credit Union
Institution Rating:
A4.7 ★Texas Ratio: 6.55%
300 Spring Garden St, Philadelphia, PA, 19123
Signature LoanTerm: Up to 84 months
7.99%
▼
APR7.99%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details
Maximum APR: 18.00%. The Signature rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage. APR as low as
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.09%
485 Buffalo St, Beaver, PA, 15009 2058
Personal Loan SpecialTerm: 18-48 months
7.99%
▼
APR7.99%
Term18-48 months
Last UpdatedSeptember 22, 2026
Details
***
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
17 East Ave, Wellsboro, PA, 16901
Personal Loan
7.99%
▼
APR7.99%
Term—
Last UpdatedSeptember 22, 2026
Details
APR=Annual Percentage Rate
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
17 East Ave, Wellsboro, PA, 16901
Signature/Personal LoanTerm: 12 mos.
7.99%
▼
APR7.99%
Term12 mos.
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Kinzua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
1770 Market St, Warren, PA, 16365 1242
Signature Loan
7.99%
▼
APR7.99%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
199 N Main St, Athens, PA, 18810 1707
Solar LoanTerm: 121-180 months
7.99%
▼
APR7.99%
Term121-180 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Frick Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
235 Pittsburgh St, Uniontown, PA, 15401 2751
Personal LoansTerm: up to 24 months
7.99%
▼
APR7.99%
Termup to 24 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
821 Beaver Dr, DuBois, PA, 15801
Signature/Personal LoansTerm: 0-48 Months
7.99%
▼
APR7.99%
Interest Rate6.49%
Term0-48 Months
Last UpdatedSeptember 22, 2026
Details
As low as
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
193 Edison St, Uniontown, PA, 15401
Signature LoansTerm: Up to 24 mos.
7.99%
▼
APR7.99%
TermUp to 24 mos.
Last UpdatedSeptember 22, 2026
Details
up to $10,000; Published APR range: 7.99% - 11.99%.
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
630 Mill St, Danville, PA, 17821
Unsecured Optionline Tier 1 Loan
8.00%
▼
APR8.00%
Interest Rate8.00%
Term—
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1286 E 38th St, Erie, PA, 16504 3039
Unsecured LoanTerm: up to 60 months
8.00%
▼
APR8.00%
Termup to 60 months
Last UpdatedSeptember 22, 2026
Details
up to $15,000; Maximum: $15,000.00
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 3 years
8.00%
▼
APR8.00%
Term3 years
Last UpdatedSeptember 22, 2026
Details
Rate applies to Signature Loans - Unsecured. APR*
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1301 Camp Hollow Rd, West Mifflin, PA, 15122
Personal LoanTerm: Up to 12 months
8.00%
▼
APR8.00%
TermUp to 12 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Derry Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
160 E 1st Ave, Derry, PA, 15627 1926
Personal Loan
8.00%
▼
APR8.00%
Term—
Last UpdatedSeptember 22, 2026
Details
As Low As; Apply for a personal loan up to $5,000.00.; Rates Subject To Change Without Notice.
CommonRoots Federal Credit Union
1204 Freedom Rd, Cranberry Township, PA, 16066
G.O.O.D Loans (Get Out Of Debt)
8.00%
▼
APR8.00%
Term—
Last UpdatedSeptember 22, 2026
Details
Credit score of 630 and above required
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
4415 5th Ave, Pittsburgh, PA, 15213
Personal LoanTerm: 12 Months
8.00%
▼
APR8.00%
Term12 Months
Last UpdatedSeptember 22, 2026
Details
As Low As; Maximum amount varies based on credit score.; Rates subject to change without notice.
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 36 months
8.00%
▼
APR8.00%
Term36 months
Last UpdatedSeptember 22, 2026
Details
Max Amount: $12,500
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
908 PLEASANT VALLEY BLVD, ALTOONA, PA, 16602
Signature LoanTerm: 36-60 months*
8.00%
▼
APR8.00%
Term36-60 months*
Last UpdatedSeptember 22, 2026
Details
Published APR range: 8.0% to 10.0%. Maximum: $10,000
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
Personal LoanTerm: 5 years
8.00%
▼
APR8.00%
Term5 years
Last UpdatedSeptember 22, 2026
Details
Published APR range: 8.00% - 10.00%. Min $1,000.00 / Max $7,500.00
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
16 E Main St, Leola, PA, 17540 1936
Unsecured Personal LoansTerm: 12 months
8.00%
▼
APR8.00%
Term12 months
Last UpdatedSeptember 22, 2026
Details
FICO Score: 750+
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 36 Months
8.00%
▼
APR8.00%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: 25-36 months
8.24%
▼
APR8.24%
Term25-36 months
Last UpdatedSeptember 22, 2026
Details
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 4 years
8.25%
▼
APR8.25%
Term4 years
Last UpdatedSeptember 22, 2026
Details
Rate applies to Signature Loans - Unsecured. APR*
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoanTerm: 4 Years
8.25%
▼
APR8.25%
Term4 Years
Last UpdatedSeptember 22, 2026
Details
As Low As
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
4415 5th Ave, Pittsburgh, PA, 15213
Personal LoanTerm: 24 Months
8.25%
▼
APR8.25%
Term24 Months
Last UpdatedSeptember 22, 2026
Details
As Low As; Maximum amount varies based on credit score.; Rates subject to change without notice.
Highway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
405 Laurel St, Hughestown, PA, 18640
Signature LoanTerm: 19-36 Months
8.25%
▼
APR8.25%
Term19-36 Months
Last UpdatedSeptember 22, 2026
Details
Credit Score: 750-Above
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 48 Months
8.25%
▼
APR8.25%
Term48 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3503 Peach St, Erie, PA, 16508
EZ Personal Loan (Unsecured Loan)Term: Up to 48 months
8.49%
▼
APR8.49%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Wabellco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1277 Park Ave, Washington, PA, 15301
Personal & Bill Consolidation LoanTerm: 1-5 Years
8.49%
▼
APR8.49%
Term1-5 Years
Last UpdatedSeptember 22, 2026
Details
As Low As; $10,000 max for qualified borrowers; Cosigner &/or Collateral required
Discovery Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
2744 Century Blvd, Wyomissing, PA, 19610
Personal Loan SpecialTerm: 0 to 18 months
8.49%
▼
APR8.49%
Term0 to 18 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Discovery Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
2744 Century Blvd, Wyomissing, PA, 19610
Upgrade Your Everyday Personal Loan SpecialTerm: 18 months
8.49%
▼
APR8.49%
Term18 months
Last UpdatedSeptember 22, 2026
Details
This limited time unsecured loan special has an amazing rate available for a maximum amount of $5,000 and a maximum term of up to 18 months. Limited time Upgrade Your Everyday Personal Loan Special. The rate displayed is the lowest available rate and your rate may be higher. APRs are based on your creditworthiness, term of the loan, direct deposit to a Discovery FCU account, and automatic electronic payments from your Discovery FCU account. A sample $5,000.00 loan payment at 8.49% APR at a 18-month term is $296.82. Loan terms up to 18 months.
Central Susquehanna Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
530 E market St, Danville, PA, 17821
Personal LoanTerm: Up to 60 Months
8.49%
▼
APR8.49%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details
up to $12,000; Tier 1 (710+)
Arize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
650 Science Park Rd, State College, PA, 16803
Personal LoanTerm: Up to 12 Months
8.49%
▼
APR8.49%
TermUp to 12 Months
Last UpdatedSeptember 22, 2026
Details
Credit Tier: A+ (760+)
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Personal LoansTerm: 25 - 36 months
8.49%
▼
APR8.49%
Term25 - 36 months
Last UpdatedSeptember 22, 2026
Details
As Low As; Auto Pay Discount: 8.39%
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
317 Brownsville Rd, Pittsburgh, PA, 15210
Signature - Max LoanTerm: 60 Months
8.50%
▼
APR8.50%
Term60 Months
Last UpdatedSeptember 22, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 5 years
8.50%
▼
APR8.50%
Term5 years
Last UpdatedSeptember 22, 2026
Details
Rate applies to Signature Loans - Unsecured. APR*
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1301 Camp Hollow Rd, West Mifflin, PA, 15122
Personal LoanTerm: Up to 24 months
8.50%
▼
APR8.50%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
4415 5th Ave, Pittsburgh, PA, 15213
Personal LoanTerm: 36 Months
8.50%
▼
APR8.50%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
As Low As; Maximum amount varies based on credit score.; Rates subject to change without notice.
UFCW Local #72 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
800 Wyoming Ave, Wyoming, PA, 18644
Signature Loans
8.50%
▼
APR8.50%
Interest Rate8.50%
Term—
Last UpdatedSeptember 22, 2026
Details
All loans under $2,000 have a rate of 8.5%. Signature loans are available after 60 days of membership. There is no waiting period with a credit score of 700 or higher.
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 48 months
8.50%
▼
APR8.50%
Term48 months
Last UpdatedSeptember 22, 2026
Details
Max Amount: $12,500
Bva Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
608 Rostraver Rd, Belle Vernon, PA, 15012 1941
Signature LoanTerm: 36 Months
8.50%
▼
APR8.50%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Pocono Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
206 E Brown St, East Stroudsburg, PA, 18301
Signature LoanTerm: 12 months
8.50%
▼
APR8.50%
Term12 months
Last UpdatedSeptember 22, 2026
Details
Annual Percentage Rates are subject to change without notice: contact the office for current rates.
Blackhawk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2358 Darlington RD, Beaver Falls, PA, 15010
SIGNATURE LOANSTerm: 12 Months
8.50%
▼
APR8.50%
Term12 Months
Last UpdatedSeptember 22, 2026
Details
UP TO $10,000
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
16 E Main St, Leola, PA, 17540 1936
Unsecured Personal LoansTerm: 24 months
8.50%
▼
APR8.50%
Term24 months
Last UpdatedSeptember 22, 2026
Details
FICO Score: 750+
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1402 Bywood Ave, Upper Darby, PA, 19082
Personal Signature Loan
8.50%
▼
APR8.50%
Term—
Last UpdatedSeptember 22, 2026
Details
Published APR range: 8.5% - 18.0%.
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1640 High St, Williamsport, PA, 17701
Personal Loans maxTerm: Up to 48 months
8.74%
▼
APR8.74%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details
$20,000
Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1536 Riverside Dr, S Williamsport, PA, 17702
Signature Loan (Unsecured)Term: Up to 12 months
8.74%
▼
APR8.74%
TermUp to 12 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
199 N Main St, Athens, PA, 18810 1707
Personal Loans
8.74%
▼
APR8.74%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as
Ukrainian Selfreliance of Western PA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
700 Washington Ave, Carnegie, PA, 15106
Signature Loans (Unsecured)Term: up to 60 months
8.74%
▼
APR8.74%
Termup to 60 months
Last UpdatedSeptember 22, 2026
Details
As low as; Up to $20,000 for qualified borrowers.
Arize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
650 Science Park Rd, State College, PA, 16803
Personal LoanTerm: 13-36 Months
8.74%
▼
APR8.74%
Term13-36 Months
Last UpdatedSeptember 22, 2026
Details
Credit Tier: A+ (760+)
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1601 Kenneth Rd, York, PA, 17408 2228
Personal Loan
8.74%
▼
APR8.74%
Term—
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: 37-48 months
8.74%
▼
APR8.74%
Term37-48 months
Last UpdatedSeptember 22, 2026
Details
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA, 16602
Personal Unsecured Installment LoanTerm: 1-5 Years
8.75%
▼
APR8.75%
Interest Rate8.75%
Term1-5 Years
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
317 Brownsville Rd, Pittsburgh, PA, 15210
Signature - Max LoanTerm: 36 Months
8.75%
▼
APR8.75%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
Credit Level: Silver; Credit Score: 729 - 670
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoanTerm: 5 Years
8.75%
▼
APR8.75%
Term5 Years
Last UpdatedSeptember 22, 2026
Details
As Low As
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
1550 Medical Dr, Pottstown, PA, 19464 3225
Unsecured LoansTerm: 0-60 months
8.75%
▼
APR8.75%
Term0-60 months
Last UpdatedSeptember 22, 2026
Details
As Low As;
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
115 Clay St, North East, PA, 16428 1537
Personal LoansTerm: 36 Months
8.75%
▼
APR8.75%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 60 Months
8.75%
▼
APR8.75%
Term60 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
Personal LoanTerm: 48 Months
8.90%
▼
APR8.90%
Term48 Months
Last UpdatedSeptember 22, 2026
Details
Purpose: Any Purpose; As Low As*
UFCW Local #72 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
800 Wyoming Ave, Wyoming, PA, 18644
SIGNATURE LOANSTerm: 36 months
8.90%
▼
APR8.90%
Term36 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
First Area Federal Credit Union Lewistown, PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
23 S Dorcas St, Lewistown, PA, 17044
Personal Loan
8.90%
▼
APR8.90%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as; Rates effective as of 11/01/2025
A & S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
2090 Brodhead Rd, Aliquippa, PA, 15001
Unsecured LoanTerm: 36 Months
8.95%
▼
APR8.95%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Allegent Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1001 Liberty Ave, Pittsburgh, PA, 15222
Personal LoanTerm: 48 months
8.99%
▼
APR8.99%
Interest Rate8.99%
Term48 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
New Alliance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.52%
835 Merchant St, Ambridge, PA, 15003
Signature LoanTerm: 12 months
8.99%
▼
APR8.99%
Term12 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Unsecured LoanTerm: 1-3 years
8.99%
▼
APR8.99%
Term1-3 years
Last UpdatedSeptember 22, 2026
Details
As Low As
PRR South Fork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
220 Main St, South Fork, PA, 15956
Signature LoanTerm: 60 Months
8.99%
▼
APR8.99%
Term60 Months
Last UpdatedSeptember 22, 2026
Details
$7,500 + Shares
Freedom United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
115 Perry Hwy Ste 176, Harmony, PA, 16037 9205
Unsecured LoanTerm: 24
8.99%
▼
APR8.99%
Term24
Last UpdatedSeptember 22, 2026
Details
No additional details available.
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1640 High St, Williamsport, PA, 17701
Personal Loans maxTerm: Up to 60 months
8.99%
▼
APR8.99%
TermUp to 60 months
Last UpdatedSeptember 22, 2026
Details
$20,000
CACL Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
1800 W Market St, Pottsville, PA, 17901
Signature Unsecured Loan
8.99%
▼
APR8.99%
Term—
Last UpdatedSeptember 22, 2026
Details
No additional details available.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
17 East Ave, Wellsboro, PA, 16901
Signature/Personal LoanTerm: 24 mos.
8.99%
▼
APR8.99%
Term24 mos.
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2160 Lincoln Hwy E Ste 20, Lancaster, PA, 17602
Personal Loan
8.99%
▼
APR8.99%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as 8.99% APR for qualified borrowers. Rates subject to credit score.
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
40 E Market St, Wilkes Barre, PA, 18711
Personal LoanTerm: 24-Month
8.99%
▼
APR8.99%
Term24-Month
Last UpdatedSeptember 22, 2026
Details
As Low As; (3)
Frick Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
235 Pittsburgh St, Uniontown, PA, 15401 2751
Personal LoansTerm: up to 36 months
8.99%
▼
APR8.99%
Termup to 36 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Susquehanna Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
3850 Hartzdale Dr, Camp Hill, PA, 17011 7809
Signature LoanTerm: Up to 60 Months
8.99%
▼
APR8.99%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Arize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
650 Science Park Rd, State College, PA, 16803
Personal LoanTerm: 37-48 Months
8.99%
▼
APR8.99%
Term37-48 Months
Last UpdatedSeptember 22, 2026
Details
Credit Tier: A+ (760+)
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
193 Edison St, Uniontown, PA, 15401
Signature LoansTerm: Up to 36 mos.
8.99%
▼
APR8.99%
TermUp to 36 mos.
Last UpdatedSeptember 22, 2026
Details
up to $10,000; Published APR range: 8.99% - 12.99%.
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Personal LoansTerm: 4 year
8.99%
▼
APR8.99%
Term4 year
Last UpdatedSeptember 22, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
1 Credit Union Pl, Harrisburg, PA, 17110
Personal LoansTerm: 3-36 Months
8.99%
▼
APR8.99%
Term3-36 Months
Last UpdatedSeptember 22, 2026
Details
As Low As
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Westwood Rd, Pottsville, PA, 17901 1834
Signature/Personal Loan
8.99%
▼
APR8.99%
Term—
Last UpdatedSeptember 22, 2026
Details
Rates as low as 8.99%
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Westwood Rd, Pottsville, PA, 17901 1834
Signature/Personal maximum) LoanTerm: 60 months max
8.99%
▼
APR8.99%
Term60 months max
Last UpdatedSeptember 22, 2026
Details
$10,000; APR* As Low As
Allentown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1325 Oxford Dr, Allentown, PA, 18103
Signature LoansTerm: 36 months
8.99%
▼
APR8.99%
Term36 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
317 Brownsville Rd, Pittsburgh, PA, 15210
Unsecured Loan SpecialTerm: 60-Month
9.00%
▼
APR9.00%
Interest Rate9.00%
Term60-Month
Last UpdatedSeptember 22, 2026
Details
Borrow $5,000 - $10,000; Fixed Rate; Unsecured - No Collateral Required; Available for members in credit tiers: score must be 620 or above; Valid through April 30
Saint Nicholas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
254 S Washington St, Wilkes Barre, PA, 18701
Personal-2 LoanTerm: 2 Years
9.00%
▼
APR9.00%
Term2 Years
Last UpdatedSeptember 22, 2026
Details
**
Johnstown School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
738 Viewmont Ave, Johnstown, PA, 15905
Signature LoansTerm: 36 Months
9.00%
▼
APR9.00%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
($6,000 maximum)
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1301 Camp Hollow Rd, West Mifflin, PA, 15122
Personal LoanTerm: Up to 36 months
9.00%
▼
APR9.00%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details
As Low As
EQT Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
603 Stanwix St Ste 1776, Pittsburgh, PA, 15222 1421
Personal Loan
9.00%
▼
APR9.00%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as; Rates effective as of 4/01/2026 through 9/30/2026. Rates subject to change without notice.
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
364 Morgantown St, Uniontown, PA, 15401
Signature Loans
9.00%
▼
APR9.00%
Term—
Last UpdatedSeptember 22, 2026
Details
$10,000 maximum
Community Connect Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1050 E Spring St, Titusville, PA, 16354 7826
Unsecured LoansTerm: 60 Months
9.00%
▼
APR9.00%
Term60 Months
Last UpdatedSeptember 22, 2026
Details
As low as; Rates effective as of July 29, 2026
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 60 months
9.00%
▼
APR9.00%
Term60 months
Last UpdatedSeptember 22, 2026
Details
Max Amount: $12,500
Newell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
73 Market Street, Brownsville, PA, 15417
Signature Loans
9.00%
▼
APR9.00%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
16 E Main St, Leola, PA, 17540 1936
Unsecured Personal LoansTerm: 36 months
9.00%
▼
APR9.00%
Term36 months
Last UpdatedSeptember 22, 2026
Details
FICO Score: 750+
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 72 Months
9.00%
▼
APR9.00%
Term72 Months
Last UpdatedSeptember 22, 2026
Details
over $15,000
Healthcare First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1152 Franklin St, Johnstown, PA, 15905 4310
Open End Signature Loan
9.00%
▼
APR9.00%
Term—
Last UpdatedSeptember 22, 2026
Details
No additional details available.
COLFAX POWER PLANT EMPLOYEES
Institution Rating:
D3.4 ★Texas Ratio: 33.72%
832 PITTSBURGH ST, SPRINGDALE, PA, 15144 1623
Special Personal LoanTerm: 36 months
9.00%
▼
APR9.00%
Term36 months
Last UpdatedSeptember 22, 2026
Details
Maximum of three (3) per member.
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MonitorBankRates
Pennsylvania Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Personal LoansTerm: 12 months or less
6.49%
▼
APR6.49%
Term12 months or less
Last UpdatedSeptember 22, 2026
Details
As Low As; Auto Pay Discount: 6.39%
General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Personal LoanTerm: 15 months
6.50%
▼
APR6.50%
Term15 months
Last UpdatedSeptember 22, 2026
Details
As Low As; Special fixed up to 15 months!
York Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1601 S Queen St, York, PA, 17403 4630
Personal Loans
6.50%
▼
APR6.50%
Term—
Last UpdatedSeptember 22, 2026
Details
As Low As; Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined.
COLFAX POWER PLANT EMPLOYEES
Institution Rating:
D3.4 ★Texas Ratio: 33.72%
832 PITTSBURGH ST, SPRINGDALE, PA, 15144 1623
Promotional Personal LoanTerm: 48 months
6.50%
▼
APR6.50%
Term48 months
Last UpdatedSeptember 22, 2026
Details
Maximum of one (1) per member.
InFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
935 Philadelphia St, Indiana, PA, 15701
3 Year Personal LoanTerm: 3 Year
6.89%
▼
APR6.89%
Interest Rate6.75%
Term3 Year
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
2307 Brown St, Philadelphia, PA, 19130
Personal LoanTerm: 1 to 5 years
6.99%
▼
APR6.99%
Term1 to 5 years
Last UpdatedSeptember 22, 2026
Details
Rates as low as
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
2209 W State St, New Castle, PA, 16101 1138
Personal Loans
6.99%
▼
APR6.99%
Interest Rate6.99%
Term—
Last UpdatedSeptember 22, 2026
Details
Rates are 'as low as'.
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1601 Kenneth Rd, York, PA, 17408 2228
Personal LoansTerm: 36 months
6.99%
▼
APR6.99%
Interest Rate6.99%
Term36 months
Last UpdatedSeptember 22, 2026
Details
Minimum loan amount is $500.00, maximum loan amount is $15,000.00. 700 credit score and above. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Cannot be combined with any other offer other than the 3-star discount. Promotion may be cancelled at any time. Effective July 1 - September 30, 2026.
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
115 Clay St, North East, PA, 16428 1537
Personal LoansTerm: 12 Months
7.00%
▼
APR7.00%
Term12 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
InFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
935 Philadelphia St, Indiana, PA, 15701
4 Year Personal LoanTerm: 4 Year
7.11%
▼
APR7.11%
Interest Rate7.00%
Term4 Year
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: Up to 12 months
7.24%
▼
APR7.24%
TermUp to 12 months
Last UpdatedSeptember 22, 2026
Details
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
InFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
935 Philadelphia St, Indiana, PA, 15701
5 Year Personal LoanTerm: 5 Year
7.34%
▼
APR7.34%
Interest Rate7.25%
Term5 Year
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3503 Peach St, Erie, PA, 16508
EZ Personal Loan (Unsecured Loan)Term: Up to 36 months
7.49%
▼
APR7.49%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
335 W Butler Ave, Chalfont, PA, 18914
Personal Loan SpecialsTerm: 5-Year (60 month)
7.49%
▼
APR7.49%
Term5-Year (60 month)
Last UpdatedSeptember 22, 2026
Details
No additional details available.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Personal LoansTerm: 13 - 24 months
7.49%
▼
APR7.49%
Term13 - 24 months
Last UpdatedSeptember 22, 2026
Details
As Low As; Auto Pay Discount: 7.39%
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoanTerm: 2 Years
7.50%
▼
APR7.50%
Term2 Years
Last UpdatedSeptember 22, 2026
Details
As Low As
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
Personal LoansTerm: up to 60 Months
7.50%
▼
APR7.50%
Termup to 60 Months
Last UpdatedSeptember 22, 2026
Details
Published APR range: 7.50%-17.80%.
General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Personal LoanTerm: 36 months
7.74%
▼
APR7.74%
Term36 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: 13-24 months
7.74%
▼
APR7.74%
Term13-24 months
Last UpdatedSeptember 22, 2026
Details
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoanTerm: 3 Years
7.75%
▼
APR7.75%
Term3 Years
Last UpdatedSeptember 22, 2026
Details
As Low As
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
115 Clay St, North East, PA, 16428 1537
Personal LoansTerm: 24 Months
7.75%
▼
APR7.75%
Term24 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 24 months
7.75%
▼
APR7.75%
Term24 months
Last UpdatedSeptember 22, 2026
Details
Max Amount: $12,500
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
630 Delp Rd Ste C, LANCASTER, PA, 17601 3077
Personal Loan
7.95%
▼
APR7.95%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as; View Rates >
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.09%
485 Buffalo St, Beaver, PA, 15009 2058
Personal Loan SpecialTerm: 18-48 months
7.99%
▼
APR7.99%
Term18-48 months
Last UpdatedSeptember 22, 2026
Details
***
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
17 East Ave, Wellsboro, PA, 16901
Personal Loan
7.99%
▼
APR7.99%
Term—
Last UpdatedSeptember 22, 2026
Details
APR=Annual Percentage Rate
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
17 East Ave, Wellsboro, PA, 16901
Signature/Personal LoanTerm: 12 mos.
7.99%
▼
APR7.99%
Term12 mos.
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Frick Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
235 Pittsburgh St, Uniontown, PA, 15401 2751
Personal LoansTerm: up to 24 months
7.99%
▼
APR7.99%
Termup to 24 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
821 Beaver Dr, DuBois, PA, 15801
Signature/Personal LoansTerm: 0-48 Months
7.99%
▼
APR7.99%
Interest Rate6.49%
Term0-48 Months
Last UpdatedSeptember 22, 2026
Details
As low as
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1301 Camp Hollow Rd, West Mifflin, PA, 15122
Personal LoanTerm: Up to 12 months
8.00%
▼
APR8.00%
TermUp to 12 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Derry Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
160 E 1st Ave, Derry, PA, 15627 1926
Personal Loan
8.00%
▼
APR8.00%
Term—
Last UpdatedSeptember 22, 2026
Details
As Low As; Apply for a personal loan up to $5,000.00.; Rates Subject To Change Without Notice.
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
4415 5th Ave, Pittsburgh, PA, 15213
Personal LoanTerm: 12 Months
8.00%
▼
APR8.00%
Term12 Months
Last UpdatedSeptember 22, 2026
Details
As Low As; Maximum amount varies based on credit score.; Rates subject to change without notice.
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 36 months
8.00%
▼
APR8.00%
Term36 months
Last UpdatedSeptember 22, 2026
Details
Max Amount: $12,500
Northampton Area School District Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2014 Laubach Ave, Northampton, PA, 18067 1351
Personal LoanTerm: 5 years
8.00%
▼
APR8.00%
Term5 years
Last UpdatedSeptember 22, 2026
Details
Published APR range: 8.00% - 10.00%. Min $1,000.00 / Max $7,500.00
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
16 E Main St, Leola, PA, 17540 1936
Unsecured Personal LoansTerm: 12 months
8.00%
▼
APR8.00%
Term12 months
Last UpdatedSeptember 22, 2026
Details
FICO Score: 750+
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 36 Months
8.00%
▼
APR8.00%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: 25-36 months
8.24%
▼
APR8.24%
Term25-36 months
Last UpdatedSeptember 22, 2026
Details
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoanTerm: 4 Years
8.25%
▼
APR8.25%
Term4 Years
Last UpdatedSeptember 22, 2026
Details
As Low As
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
4415 5th Ave, Pittsburgh, PA, 15213
Personal LoanTerm: 24 Months
8.25%
▼
APR8.25%
Term24 Months
Last UpdatedSeptember 22, 2026
Details
As Low As; Maximum amount varies based on credit score.; Rates subject to change without notice.
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 48 Months
8.25%
▼
APR8.25%
Term48 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3503 Peach St, Erie, PA, 16508
EZ Personal Loan (Unsecured Loan)Term: Up to 48 months
8.49%
▼
APR8.49%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Discovery Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
2744 Century Blvd, Wyomissing, PA, 19610
Personal Loan SpecialTerm: 0 to 18 months
8.49%
▼
APR8.49%
Term0 to 18 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Discovery Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
2744 Century Blvd, Wyomissing, PA, 19610
Upgrade Your Everyday Personal Loan SpecialTerm: 18 months
8.49%
▼
APR8.49%
Term18 months
Last UpdatedSeptember 22, 2026
Details
This limited time unsecured loan special has an amazing rate available for a maximum amount of $5,000 and a maximum term of up to 18 months. Limited time Upgrade Your Everyday Personal Loan Special. The rate displayed is the lowest available rate and your rate may be higher. APRs are based on your creditworthiness, term of the loan, direct deposit to a Discovery FCU account, and automatic electronic payments from your Discovery FCU account. A sample $5,000.00 loan payment at 8.49% APR at a 18-month term is $296.82. Loan terms up to 18 months.
Central Susquehanna Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
530 E market St, Danville, PA, 17821
Personal LoanTerm: Up to 60 Months
8.49%
▼
APR8.49%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details
up to $12,000; Tier 1 (710+)
Arize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
650 Science Park Rd, State College, PA, 16803
Personal LoanTerm: Up to 12 Months
8.49%
▼
APR8.49%
TermUp to 12 Months
Last UpdatedSeptember 22, 2026
Details
Credit Tier: A+ (760+)
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Personal LoansTerm: 25 - 36 months
8.49%
▼
APR8.49%
Term25 - 36 months
Last UpdatedSeptember 22, 2026
Details
As Low As; Auto Pay Discount: 8.39%
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1301 Camp Hollow Rd, West Mifflin, PA, 15122
Personal LoanTerm: Up to 24 months
8.50%
▼
APR8.50%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
4415 5th Ave, Pittsburgh, PA, 15213
Personal LoanTerm: 36 Months
8.50%
▼
APR8.50%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
As Low As; Maximum amount varies based on credit score.; Rates subject to change without notice.
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 48 months
8.50%
▼
APR8.50%
Term48 months
Last UpdatedSeptember 22, 2026
Details
Max Amount: $12,500
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
16 E Main St, Leola, PA, 17540 1936
Unsecured Personal LoansTerm: 24 months
8.50%
▼
APR8.50%
Term24 months
Last UpdatedSeptember 22, 2026
Details
FICO Score: 750+
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1640 High St, Williamsport, PA, 17701
Personal Loans maxTerm: Up to 48 months
8.74%
▼
APR8.74%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details
$20,000
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
199 N Main St, Athens, PA, 18810 1707
Personal Loans
8.74%
▼
APR8.74%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as
Arize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
650 Science Park Rd, State College, PA, 16803
Personal LoanTerm: 13-36 Months
8.74%
▼
APR8.74%
Term13-36 Months
Last UpdatedSeptember 22, 2026
Details
Credit Tier: A+ (760+)
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1601 Kenneth Rd, York, PA, 17408 2228
Personal Loan
8.74%
▼
APR8.74%
Term—
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: 37-48 months
8.74%
▼
APR8.74%
Term37-48 months
Last UpdatedSeptember 22, 2026
Details
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoanTerm: 5 Years
8.75%
▼
APR8.75%
Term5 Years
Last UpdatedSeptember 22, 2026
Details
As Low As
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
115 Clay St, North East, PA, 16428 1537
Personal LoansTerm: 36 Months
8.75%
▼
APR8.75%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 60 Months
8.75%
▼
APR8.75%
Term60 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.56%
7500 Lindbergh Blvd, Philadelphia, PA, 19176
Personal LoanTerm: 48 Months
8.90%
▼
APR8.90%
Term48 Months
Last UpdatedSeptember 22, 2026
Details
Purpose: Any Purpose; As Low As*
First Area Federal Credit Union Lewistown, PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
23 S Dorcas St, Lewistown, PA, 17044
Personal Loan
8.90%
▼
APR8.90%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as; Rates effective as of 11/01/2025
Allegent Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
1001 Liberty Ave, Pittsburgh, PA, 15222
Personal LoanTerm: 48 months
8.99%
▼
APR8.99%
Interest Rate8.99%
Term48 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1640 High St, Williamsport, PA, 17701
Personal Loans maxTerm: Up to 60 months
8.99%
▼
APR8.99%
TermUp to 60 months
Last UpdatedSeptember 22, 2026
Details
$20,000
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
17 East Ave, Wellsboro, PA, 16901
Signature/Personal LoanTerm: 24 mos.
8.99%
▼
APR8.99%
Term24 mos.
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2160 Lincoln Hwy E Ste 20, Lancaster, PA, 17602
Personal Loan
8.99%
▼
APR8.99%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as 8.99% APR for qualified borrowers. Rates subject to credit score.
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
40 E Market St, Wilkes Barre, PA, 18711
Personal LoanTerm: 24-Month
8.99%
▼
APR8.99%
Term24-Month
Last UpdatedSeptember 22, 2026
Details
As Low As; (3)
Frick Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
235 Pittsburgh St, Uniontown, PA, 15401 2751
Personal LoansTerm: up to 36 months
8.99%
▼
APR8.99%
Termup to 36 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Arize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.83%
650 Science Park Rd, State College, PA, 16803
Personal LoanTerm: 37-48 Months
8.99%
▼
APR8.99%
Term37-48 Months
Last UpdatedSeptember 22, 2026
Details
Credit Tier: A+ (760+)
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1129 State St, Erie, PA, 16501 1911
Personal LoansTerm: 4 year
8.99%
▼
APR8.99%
Term4 year
Last UpdatedSeptember 22, 2026
Details
As Low As
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
1 Credit Union Pl, Harrisburg, PA, 17110
Personal LoansTerm: 3-36 Months
8.99%
▼
APR8.99%
Term3-36 Months
Last UpdatedSeptember 22, 2026
Details
As Low As
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Westwood Rd, Pottsville, PA, 17901 1834
Signature/Personal Loan
8.99%
▼
APR8.99%
Term—
Last UpdatedSeptember 22, 2026
Details
Rates as low as 8.99%
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1301 Camp Hollow Rd, West Mifflin, PA, 15122
Personal LoanTerm: Up to 36 months
9.00%
▼
APR9.00%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details
As Low As
EQT Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
603 Stanwix St Ste 1776, Pittsburgh, PA, 15222 1421
Personal Loan
9.00%
▼
APR9.00%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as; Rates effective as of 4/01/2026 through 9/30/2026. Rates subject to change without notice.
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 60 months
9.00%
▼
APR9.00%
Term60 months
Last UpdatedSeptember 22, 2026
Details
Max Amount: $12,500
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
16 E Main St, Leola, PA, 17540 1936
Unsecured Personal LoansTerm: 36 months
9.00%
▼
APR9.00%
Term36 months
Last UpdatedSeptember 22, 2026
Details
FICO Score: 750+
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 72 Months
9.00%
▼
APR9.00%
Term72 Months
Last UpdatedSeptember 22, 2026
Details
over $15,000
COLFAX POWER PLANT EMPLOYEES
Institution Rating:
D3.4 ★Texas Ratio: 33.72%
832 PITTSBURGH ST, SPRINGDALE, PA, 15144 1623
Special Personal LoanTerm: 36 months
9.00%
▼
APR9.00%
Term36 months
Last UpdatedSeptember 22, 2026
Details
Maximum of three (3) per member.
Powered by
MonitorBankRates
Pennsylvania Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
CommonRoots Federal Credit Union
1204 Freedom Rd, Cranberry Township, PA, 16066
G.O.O.D Loans (Get Out Of Debt)
8.00%
▼
APR8.00%
Term—
Last UpdatedSeptember 22, 2026
Details
Credit score of 630 and above required
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3031A Walton Rd Ste 310, Plymouth Meeting, PA, 19462 2369
Debt Consolidation LoanTerm: 0 to 84 months
12.49%
▼
APR12.49%
Term0 to 84 months
Last UpdatedSeptember 22, 2026
Details
As Low As; Debt Consolidation
Powered by
MonitorBankRates
Pennsylvania Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
IRON WORKERS
Institution Rating:
C-3.4 ★Texas Ratio: 25.00%
2201 Liberty Ave Ste 201, Pittsburgh, PA, 15222 4512
Signature LoanTerm: up to 60 months
6.50%
▼
APR6.50%
Termup to 60 months
Last UpdatedSeptember 22, 2026
Details
As low as
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
711 Linden Ave, East Pittsburgh, PA, 15112
Signature Loan
6.90%
▼
APR6.90%
Term—
Last UpdatedSeptember 22, 2026
Details
Rates As Low As
UFCW Local #72 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
800 Wyoming Ave, Wyoming, PA, 18644
SIGNATURE LOANSTerm: 12 months
6.90%
▼
APR6.90%
Term12 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Latrobe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
1812 Ligonier St, Latrobe, PA, 15650 2917
Signature Loan
7.00%
▼
APR7.00%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 1 year
7.50%
▼
APR7.50%
Term1 year
Last UpdatedSeptember 22, 2026
Details
Rate applies to Signature Loans - Unsecured. APR*
Bva Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
608 Rostraver Rd, Belle Vernon, PA, 15012 1941
Signature LoanTerm: 24 Months
7.50%
▼
APR7.50%
Term24 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
193 Edison St, Uniontown, PA, 15401
Signature LoansTerm: Up to 12 mos.
7.50%
▼
APR7.50%
TermUp to 12 mos.
Last UpdatedSeptember 22, 2026
Details
up to $10,000; Published APR range: 7.50% - 11.50%.
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
317 Brownsville Rd, Pittsburgh, PA, 15210
Signature - Max LoanTerm: 36 Months
7.75%
▼
APR7.75%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 2 years
7.75%
▼
APR7.75%
Term2 years
Last UpdatedSeptember 22, 2026
Details
Rate applies to Signature Loans - Unsecured. APR*
Highway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
405 Laurel St, Hughestown, PA, 18640
Signature LoanTerm: 12-18 Months
7.75%
▼
APR7.75%
Term12-18 Months
Last UpdatedSeptember 22, 2026
Details
Credit Score: 750-Above
UFCW Local #72 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
800 Wyoming Ave, Wyoming, PA, 18644
SIGNATURE LOANSTerm: 24 months
7.90%
▼
APR7.90%
Term24 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2859 SR 309 HWY, Dallas, PA, 18612
Signature LoanTerm: Up to 72 Months
7.90%
▼
APR7.90%
TermUp to 72 Months
Last UpdatedSeptember 22, 2026
Details
Published APR range: 7.90% - 18.00%.
Democracy Federal Credit Union
Institution Rating:
A4.7 ★Texas Ratio: 6.55%
300 Spring Garden St, Philadelphia, PA, 19123
Signature LoanTerm: Up to 84 months
7.99%
▼
APR7.99%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details
Maximum APR: 18.00%. The Signature rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage. APR as low as
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
17 East Ave, Wellsboro, PA, 16901
Signature/Personal LoanTerm: 12 mos.
7.99%
▼
APR7.99%
Term12 mos.
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Kinzua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
1770 Market St, Warren, PA, 16365 1242
Signature Loan
7.99%
▼
APR7.99%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
821 Beaver Dr, DuBois, PA, 15801
Signature/Personal LoansTerm: 0-48 Months
7.99%
▼
APR7.99%
Interest Rate6.49%
Term0-48 Months
Last UpdatedSeptember 22, 2026
Details
As low as
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
193 Edison St, Uniontown, PA, 15401
Signature LoansTerm: Up to 24 mos.
7.99%
▼
APR7.99%
TermUp to 24 mos.
Last UpdatedSeptember 22, 2026
Details
up to $10,000; Published APR range: 7.99% - 11.99%.
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 3 years
8.00%
▼
APR8.00%
Term3 years
Last UpdatedSeptember 22, 2026
Details
Rate applies to Signature Loans - Unsecured. APR*
Altoona Area Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
908 PLEASANT VALLEY BLVD, ALTOONA, PA, 16602
Signature LoanTerm: 36-60 months*
8.00%
▼
APR8.00%
Term36-60 months*
Last UpdatedSeptember 22, 2026
Details
Published APR range: 8.0% to 10.0%. Maximum: $10,000
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 4 years
8.25%
▼
APR8.25%
Term4 years
Last UpdatedSeptember 22, 2026
Details
Rate applies to Signature Loans - Unsecured. APR*
Highway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
405 Laurel St, Hughestown, PA, 18640
Signature LoanTerm: 19-36 Months
8.25%
▼
APR8.25%
Term19-36 Months
Last UpdatedSeptember 22, 2026
Details
Credit Score: 750-Above
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
317 Brownsville Rd, Pittsburgh, PA, 15210
Signature - Max LoanTerm: 60 Months
8.50%
▼
APR8.50%
Term60 Months
Last UpdatedSeptember 22, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 5 years
8.50%
▼
APR8.50%
Term5 years
Last UpdatedSeptember 22, 2026
Details
Rate applies to Signature Loans - Unsecured. APR*
UFCW Local #72 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
800 Wyoming Ave, Wyoming, PA, 18644
Signature Loans
8.50%
▼
APR8.50%
Interest Rate8.50%
Term—
Last UpdatedSeptember 22, 2026
Details
All loans under $2,000 have a rate of 8.5%. Signature loans are available after 60 days of membership. There is no waiting period with a credit score of 700 or higher.
Bva Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
608 Rostraver Rd, Belle Vernon, PA, 15012 1941
Signature LoanTerm: 36 Months
8.50%
▼
APR8.50%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Pocono Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
206 E Brown St, East Stroudsburg, PA, 18301
Signature LoanTerm: 12 months
8.50%
▼
APR8.50%
Term12 months
Last UpdatedSeptember 22, 2026
Details
Annual Percentage Rates are subject to change without notice: contact the office for current rates.
Blackhawk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2358 Darlington RD, Beaver Falls, PA, 15010
SIGNATURE LOANSTerm: 12 Months
8.50%
▼
APR8.50%
Term12 Months
Last UpdatedSeptember 22, 2026
Details
UP TO $10,000
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1402 Bywood Ave, Upper Darby, PA, 19082
Personal Signature Loan
8.50%
▼
APR8.50%
Term—
Last UpdatedSeptember 22, 2026
Details
Published APR range: 8.5% - 18.0%.
Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1536 Riverside Dr, S Williamsport, PA, 17702
Signature Loan (Unsecured)Term: Up to 12 months
8.74%
▼
APR8.74%
TermUp to 12 months
Last UpdatedSeptember 22, 2026
Details
As Low As
Ukrainian Selfreliance of Western PA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
700 Washington Ave, Carnegie, PA, 15106
Signature Loans (Unsecured)Term: up to 60 months
8.74%
▼
APR8.74%
Termup to 60 months
Last UpdatedSeptember 22, 2026
Details
As low as; Up to $20,000 for qualified borrowers.
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
317 Brownsville Rd, Pittsburgh, PA, 15210
Signature - Max LoanTerm: 36 Months
8.75%
▼
APR8.75%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
Credit Level: Silver; Credit Score: 729 - 670
UFCW Local #72 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
800 Wyoming Ave, Wyoming, PA, 18644
SIGNATURE LOANSTerm: 36 months
8.90%
▼
APR8.90%
Term36 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
New Alliance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.52%
835 Merchant St, Ambridge, PA, 15003
Signature LoanTerm: 12 months
8.99%
▼
APR8.99%
Term12 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
PRR South Fork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
220 Main St, South Fork, PA, 15956
Signature LoanTerm: 60 Months
8.99%
▼
APR8.99%
Term60 Months
Last UpdatedSeptember 22, 2026
Details
$7,500 + Shares
CACL Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
1800 W Market St, Pottsville, PA, 17901
Signature Unsecured Loan
8.99%
▼
APR8.99%
Term—
Last UpdatedSeptember 22, 2026
Details
No additional details available.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
17 East Ave, Wellsboro, PA, 16901
Signature/Personal LoanTerm: 24 mos.
8.99%
▼
APR8.99%
Term24 mos.
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Susquehanna Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
3850 Hartzdale Dr, Camp Hill, PA, 17011 7809
Signature LoanTerm: Up to 60 Months
8.99%
▼
APR8.99%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
193 Edison St, Uniontown, PA, 15401
Signature LoansTerm: Up to 36 mos.
8.99%
▼
APR8.99%
TermUp to 36 mos.
Last UpdatedSeptember 22, 2026
Details
up to $10,000; Published APR range: 8.99% - 12.99%.
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Westwood Rd, Pottsville, PA, 17901 1834
Signature/Personal Loan
8.99%
▼
APR8.99%
Term—
Last UpdatedSeptember 22, 2026
Details
Rates as low as 8.99%
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Westwood Rd, Pottsville, PA, 17901 1834
Signature/Personal maximum) LoanTerm: 60 months max
8.99%
▼
APR8.99%
Term60 months max
Last UpdatedSeptember 22, 2026
Details
$10,000; APR* As Low As
Allentown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1325 Oxford Dr, Allentown, PA, 18103
Signature LoansTerm: 36 months
8.99%
▼
APR8.99%
Term36 months
Last UpdatedSeptember 22, 2026
Details
No additional details available.
Johnstown School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
738 Viewmont Ave, Johnstown, PA, 15905
Signature LoansTerm: 36 Months
9.00%
▼
APR9.00%
Term36 Months
Last UpdatedSeptember 22, 2026
Details
($6,000 maximum)
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
364 Morgantown St, Uniontown, PA, 15401
Signature Loans
9.00%
▼
APR9.00%
Term—
Last UpdatedSeptember 22, 2026
Details
$10,000 maximum
Newell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
73 Market Street, Brownsville, PA, 15417
Signature Loans
9.00%
▼
APR9.00%
Term—
Last UpdatedSeptember 22, 2026
Details
As low as
Healthcare First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1152 Franklin St, Johnstown, PA, 15905 4310
Open End Signature Loan
9.00%
▼
APR9.00%
Term—
Last UpdatedSeptember 22, 2026
Details
No additional details available.
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MonitorBankRates
Pennsylvania Personal Loan Rate Trends
Compare local Pennsylvania 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 PA Avg
10.411%
▼ 0.178 vs 7 days ago
Pennsylvania personal loan rates fell 0.178 points over the past 7 days to 10.411% APR.
Signature Loan PA Avg
10.429%
▼ 0.355 vs 7 days ago
Pennsylvania signature loan rates fell 0.355 points over the past 7 days to 10.429% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Pennsylvania Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Pennsylvania figures.
Current Personal Loan Avg
10.41%
APR, as of Sep 22, 2026
6-Month Forecast
10.49%
Fed hold assumed
12-Month Forecast
10.56%
Range: 10.21% to 10.76%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current PA average personal loan APR of 10.41%, across the terms lenders serving Pennsylvania most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $231.68/mo | $162.30/mo | $127.80/mo | $107.25/mo |
| $10,000 | $463.35/mo | $324.61/mo | $255.61/mo | $214.50/mo |
| $15,000 | $695.03/mo | $486.91/mo | $383.41/mo | $321.75/mo |
| $25,000 | $1,158.38/mo | $811.52/mo | $639.02/mo | $536.25/mo |
| $35,000 | $1,621.73/mo | $1,136.12/mo | $894.62/mo | $750.75/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Pennsylvania
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the PA personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (PA average) | 10.41% | $383.41 | $3,404 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,746 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,281 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,873 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Pennsylvania
1
Prequalify With a Soft Credit Check
Most lenders serving Pennsylvania will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
2
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
3
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Pennsylvania data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
4
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
A personal loan may not be the cheapest option for your situation
- Buying a vehicle? A secured Pennsylvania auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Pennsylvania high-yield savings account costs nothing and earns interest instead of paying it
Pennsylvania Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
$46,676
Median Individual Earnings
National avg: $47,340
5.2%
Unemployment Rate
National avg: 4.8%
11.7%
Poverty Rate
National avg: 11.1%
$383/mo
Payment on a $15K / 48-mo Loan
At the PA average 10.41% APR
A $383 monthly loan payment is roughly 9.9% of the median individual income in Pennsylvania. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Pennsylvania.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current PA average, or click any rate on the right to apply it instantly.
$
%
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Total Interest Paid$0
Total of All Payments$0
Origination Fee$0
Cash You Actually Receive$0
Total Cost of Borrowing$0
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pennsylvania 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 Pennsylvania 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 Pennsylvania. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in PA.
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 Pennsylvania?
Most lenders in Pennsylvania 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 Pennsylvania often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Pennsylvania 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 Pennsylvania?
Yes. Debt consolidation is one of the most common uses of personal loans in Pennsylvania. 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 Pennsylvania?
Credit unions in Pennsylvania 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 is an origination fee on a personal loan?
An origination fee is a one-time charge some lenders deduct from your loan proceeds, commonly 1% to 10% of the amount borrowed. On a $15,000 loan a 5% fee means you receive $14,250 but still owe interest on the full $15,000. The fee is built into the APR but not the interest rate, so compare lenders serving Pennsylvania on APR. Many credit unions charge no origination fee at all.
Does checking personal loan rates hurt my credit score?
Prequalifying does not. Most lenders let you check an estimated rate with a soft credit inquiry that is invisible to other lenders and does not affect your score. Only a formal application triggers a hard inquiry. If you submit several full applications, group them within a short shopping window so credit scoring models treat them as one rate-shopping event.
Can I pay off a personal loan early?
Most personal loans from banks and credit unions serving Pennsylvania carry no prepayment penalty, so paying early reduces your total interest. Confirm before signing, because a small number of lenders charge a prepayment fee or use precomputed interest, which removes the benefit of paying ahead of schedule.
What are the best personal loan rates in Pennsylvania?
- Reading Berks School Employees Credit Union: 4.50% (PLEDGED SHARE LOANS)
- Ingersoll Rand Federal Credit Union: 5.49% (Solar Loan)
- ADVANTAGE FINANCIAL: 6.49% (Personal Loans)
- General Electric Employees Federal Credit Union: 6.50% (Personal Loan)
- York Educational Federal Credit Union: 6.50% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Pennsylvania. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 22, 2026.
