Pennsylvania Best Personal Loan Rates - October 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
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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.
Pennsylvania personal loan rates range from 4.50% to 12.49% APR, verified by MonitorBankRates as of October 13, 2026. 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: 2.71% offering Pledged Share Loan at 4.50% APR, Ingersoll Rand Federal Credit UnionIngersoll Rand Federal Credit Union199 N Main St, Athens, PA, 18810 1707A5.0 ★Texas Ratio: 6.76% offering Solar Loan at 5.49% APR, ADVANTAGE FINANCIALADVANTAGE FINANCIAL5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144A5.0 ★Texas Ratio: 7.87% 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 2902A5.0 ★Texas Ratio: 8.00% offering Personal Loan - Special fixed up to 15 months 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: 0.67% offering Personal Loans at 6.50% APR. Personal loan rates as of October 13, 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: October 13, 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: 2.71%
4641 Pottsville Pike, Reading, PA, 19605
Pledged Share LoanTerm: Up to 72 months
4.50%
▼
APR4.50%
Interest Rate4.50%
TermUp to 72 months
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 7 times
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
199 N Main St, Athens, PA, 18810 1707
Solar LoanTerm: 0-60 months
5.49%
▼
APR5.49%
Term0-60 months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
199 N Main St, Athens, PA, 18810 1707
Solar LoanTerm: 61-120 months
6.49%
▼
APR6.49%
Term61-120 months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 9 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Personal LoansTerm: 12 months or less
6.49%
▼
APR6.49%
Term12 months or less
Last UpdatedNot available
Details
As Low As; Auto Pay Discount: 6.39%
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 7 times
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Personal Loan - Special fixed up to 15 monthsTerm: Up to 15 months
6.50%
▼
APR6.50%
TermUp to 15 months
Last UpdatedNot available
Details
As Low As; Special fixed up to 15 months; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account
Rate History
No change since Oct 12, 2026 · 6.50% APR
York Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1601 S Queen St, York, PA, 17403 4630
Personal Loans
6.50%
▼
APR6.50%
TermN/A
Last UpdatedNot available
Details
As Low As; Featured rate; Rates available to qualified members only
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 9 times
COLFAX POWER PLANT EMPLOYEES
Institution Rating:
B4.4 ★Texas Ratio: 22.05%
832 PITTSBURGH ST, SPRINGDALE, PA, 15144 1623
Promotional Personal LoansTerm: 48 months
6.50%
▼
APR6.50%
Term48 months
Last UpdatedNot available
Details
Promotional: $5,000.00 for 48 months. Maximum of one (1) per member
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 7 times
IRON WORKERS
Institution Rating:
B+4.0 ★Texas Ratio: 4.92%
2201 Liberty Ave Ste 201, Pittsburgh, PA, 15222 4512
Signature LoanTerm: up to 60 months
6.50%
▼
APR6.50%
Termup to 60 months
Last UpdatedNot available
Details
As low as
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 7 times
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 UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 15, 2026 · 6.89% APR · checked 7 times
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
711 Linden Ave, East Pittsburgh, PA, 15112
Signature Loan
6.90%
▼
APR6.90%
TermN/A
Last UpdatedNot available
Details
As Low As; Rates As Low As; lowest possible APR for an Unsecured Loan; subject to credit approval
Rate History
No change since Sep 14, 2026 · 6.90% APR · checked 7 times
Earning Tree Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
800 Wyoming Ave, Wyoming, PA, 18644
Signature LoansTerm: 12 months
6.90%
▼
APR6.90%
Interest Rate6.90%
Term12 months
Last UpdatedNot available
Details
Dollar limits based on income and credit score; signature loans available after 60 days of membership, no waiting period with credit score 700+
Rate History
No change since Sep 14, 2026 · 6.90% APR · checked 9 times
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1456 Lake Ariel Hwy, Lake Ariel, PA, 18436
Personal Loan UnsecuredTerm: 36 months
6.99%
▼
APR6.99%
Term36 months
Last UpdatedNot available
Details
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000, minimum credit score is 730, and maximum term is 36 months. Payment Examples: On a $7,500 loan, the payment would be $231.54 per month for 36 months with a 6.99% APR.
Rate History
1 change since Sep 15, 2026 · 9.04% → 6.99% ▼ 2.05 pts · high 9.04% / low 6.99%
- Oct 7, 20266.99%▼ from 9.04%
- Sep 15, 20269.04%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA, 19130
Personal LoanTerm: 1 to 5 years
6.99%
▼
APR6.99%
Term1 to 5 years
Last UpdatedNot available
Details
As Low As; APR includes a 0.25% discount for automatic monthly payments; APR increases by 0.25% without automatic payment
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
2209 W State St, New Castle, PA, 16101 1138
Personal Loans
6.99%
▼
APR6.99%
TermN/A
Last UpdatedNot available
Details
As Low As; current as of January 1st 2026
Rate History
No change since Sep 12, 2026 · 6.99% APR · checked 8 times
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA, 16501 1911
Personal Loans - 1 yearTerm: 1 year
6.99%
▼
APR6.99%
Term1 year
Last UpdatedNot available
Details
As Low As; Min. loan amount $1,000
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 4 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
15 N 3rd St, Quakertown, PA, 18951
Personal LoanTerm: 48 months
7.00%
▼
APR7.00%
Term48 months
Last UpdatedNot available
Details
Borrower must be a QNB customer.
Rate History
No change since Oct 7, 2026 · 7.00% APR · checked 2 times
Latrobe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
1812 Ligonier St, Latrobe, PA, 15650 2917
Signature Loan
7.00%
▼
APR7.00%
TermN/A
Last UpdatedNot available
Details
As Low As; Featured Rates; Up to $8,000 (per banner)
Rate History
No change since Sep 12, 2026 · 7.00% APR · checked 7 times
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
115 Clay St, North East, PA, 16428 1537
Personal Loans - 12 MonthsTerm: 12 Months
7.00%
▼
APR7.00%
Term12 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Oct 12, 2026 · 7.00% APR
Spirit Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
8535 New Falls Rd, Levittown, PA, 19054 1601
Personal LoanTerm: 60 months
7.00%
▼
APR7.00%
Term60 months
Last UpdatedNot available
Details
Rates are for qualified borrowers and are based on the credit worthiness of the individual. Actual rates may be different than the rates shown. As of 10/01/26 the Prime Rate was 7.00%.
Rate History
No change since Oct 9, 2026 · 7.00% APR · checked 3 times
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 UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 15, 2026 · 7.11% APR · checked 7 times
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: Up to 12 months
7.24%
▼
APR7.24%
TermUp to 12 months
Last UpdatedNot available
Details
As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 7 times
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoansTerm: 2 Years
7.25%
▼
APR7.25%
Term2 Years
Last UpdatedNot available
Details
As Low As
Rate History
1 change since Sep 16, 2026 · 7.50% → 7.25% ▼ 0.25 pts · high 7.50% / low 7.25%
- Sep 25, 20267.25%▼ from 7.50%
- Sep 16, 20267.50%first recorded
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 UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 15, 2026 · 7.34% APR · checked 7 times
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
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 UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 16, 2026 · 7.49% APR · checked 5 times
Freedom United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
115 Perry Hwy Ste 176, Harmony, PA, 16037 9205
Unsecured LoanTerm: 12 winter
7.49%
▼
APR7.49%
Term12 winter
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 16, 2026 · 7.49% APR · checked 5 times
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
335 W Butler Ave, Chalfont, PA, 18914
Personal Loan SpecialTerm: 5-Year (60 month)
7.49%
▼
APR7.49%
Term5-Year (60 month)
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 7.49% APR · checked 2 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Personal LoansTerm: 13 - 24 months
7.49%
▼
APR7.49%
Term13 - 24 months
Last UpdatedNot available
Details
As Low As; Auto Pay Discount: 7.39%
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 7 times
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 1 year
7.50%
▼
APR7.50%
Term1 year
Last UpdatedNot available
Details
Published APR range: 7.50% - 13.75%.
Rate History
No change since Sep 16, 2026 · 7.50% APR · checked 5 times
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoansTerm: 3 Years
7.50%
▼
APR7.50%
Term3 Years
Last UpdatedNot available
Details
As Low As
Rate History
1 change since Sep 16, 2026 · 7.75% → 7.50% ▼ 0.25 pts · high 7.75% / low 7.50%
- Sep 25, 20267.50%▼ from 7.75%
- Sep 16, 20267.75%first recorded
Bva Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
608 Rostraver Rd, Belle Vernon, PA, 15012 1941
Signature LoanTerm: 24 Months
7.50%
▼
APR7.50%
Term24 Months
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 17, 2026 · 7.50% APR · checked 8 times
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
193 Edison St, Uniontown, PA, 15401
Signature LoansTerm: Up to 12 months
7.50%
▼
APR7.50%
Interest Rate7.50%
TermUp to 12 months
Last UpdatedNot available
Details
up to $10,000; Published rate range: 7.50% - 11.50%.
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 5 times
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Personal LoanTerm: Up to 36 months
7.74%
▼
APR7.74%
TermUp to 36 months
Last UpdatedNot available
Details
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account
Rate History
No change since Sep 16, 2026 · 7.74% APR · checked 5 times
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: 13-24 months
7.74%
▼
APR7.74%
Term13-24 months
Last UpdatedNot available
Details
As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 7 times
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
317 Brownsville Rd, Pittsburgh, PA, 15210
Signature - Max LoanTerm: 36 Months
7.75%
▼
APR7.75%
Term36 Months
Last UpdatedNot available
Details
Credit Level: Gold; Credit Score: 730 and Up
Rate History
No change since Sep 16, 2026 · 7.75% APR · checked 3 times
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 2 years
7.75%
▼
APR7.75%
Term2 years
Last UpdatedNot available
Details
Published APR range: 7.75% - 14.75%.
Rate History
No change since Sep 16, 2026 · 7.75% APR · checked 5 times
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
115 Clay St, North East, PA, 16428 1537
Personal Loans - 24 MonthsTerm: 24 Months
7.75%
▼
APR7.75%
Term24 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Oct 12, 2026 · 7.75% APR
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 24 months
7.75%
▼
APR7.75%
Interest Rate7.75%
Term24 months
Last UpdatedNot available
Details
Max Amount: $12,500
Rate History
No change since Sep 18, 2026 · 7.75% APR · checked 6 times
Highway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
405 Laurel St, Hughestown, PA, 18640
Signature LoansTerm: 12-18 Months
7.75%
▼
APR7.75%
Interest Rate7.75%
Term12-18 Months
Last UpdatedNot available
Details
Fair Isaac Risk Score: 750-Above; Signature loans up to $9,000; rate type not labeled in table
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 9 times
Western PA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
2300 Freeport Rd, New Kensington, PA, 15068 4669
Personal Loans - Evergreen AdvantageTerm: Up to 36 months
7.75%
▼
APR7.75%
TermUp to 36 months
Last UpdatedNot available
Details
As Low As; Evergreen Advantage rate
Rate History
No change since Oct 13, 2026 · 7.75% APR
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
Personal LoansTerm: up to 60 Months
7.75%
▼
APR7.75%
Termup to 60 Months
Last UpdatedNot available
Details
Published APR range: 7.75%-18.05%. Maximum Amount to Borrow: $10,000.00
Rate History
1 change since Sep 14, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50%
- Oct 9, 20267.75%▲ from 7.50%
- Sep 14, 20267.50%first recorded
Earning Tree Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
800 Wyoming Ave, Wyoming, PA, 18644
Signature LoansTerm: 24 months
7.90%
▼
APR7.90%
Interest Rate7.90%
Term24 months
Last UpdatedNot available
Details
Dollar limits based on income and credit score; signature loans available after 60 days of membership, no waiting period with credit score 700+
Rate History
No change since Sep 14, 2026 · 7.90% APR · checked 9 times
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2859 SR 309 HWY, Dallas, PA, 18612
Signature Loan
7.90%
▼
APR7.90%
TermN/A
Last UpdatedNot available
Details
As Low As; Signature Loan
Rate History
No change since Sep 18, 2026 · 7.90% APR · checked 2 times
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 UpdatedNot available
Details
Published APR range: 7.95 - 12.95%. Min. $1,000.00 / Max. $10,000.00
Rate History
No change since Sep 14, 2026 · 7.95% APR · checked 7 times
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA, 19123
Signature LoanTerm: Up to 84 months
7.99%
▼
APR7.99%
TermUp to 84 months
Last UpdatedNot available
Details
Maximum APR: 18.00%. Signature rates 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
Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 5 times
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
485 Buffalo St, Beaver, PA, 15009 2058
Personal Loan SpecialTerm: 18-48 months
7.99%
▼
APR7.99%
Term18-48 months
Last UpdatedNot available
Details
***Additional terms available up to 10 years. +0.25% for each additional year over 5.
Rate History
No change since Sep 12, 2026 · 7.99% APR · checked 7 times
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
17 East Ave, Wellsboro, PA, 16901
Personal Loan
7.99%
▼
APR7.99%
TermN/A
Last UpdatedNot available
Details
As Low As; Debt Protection is available; Check out our rates
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
17 East Ave, Wellsboro, PA, 16901
Signature/Personal LoanTerm: 12 months
7.99%
▼
APR7.99%
Term12 months
Last UpdatedNot available
Details
As Low As; Fixed-Rate Loans; Terms (Up To) 12 mos.
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
Kinzua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1770 Market St, Warren, PA, 16365 1242
Signature Loan
7.99%
▼
APR7.99%
TermN/A
Last UpdatedNot available
Details
As Low As; Annual Percentage Rate
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 10 times
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
199 N Main St, Athens, PA, 18810 1707
Solar LoanTerm: 121-180 months
7.99%
▼
APR7.99%
Term121-180 months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 9 times
Frick Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
235 Pittsburgh St, Uniontown, PA, 15401 2751
Personal LoansTerm: up to 24 months
7.99%
▼
APR7.99%
Termup to 24 months
Last UpdatedNot available
Details
As Low As; Rate as low as 7.99%
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 9 times
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
821 Beaver Dr, DuBois, PA, 15801
Signature/Personal LoansTerm: 0-48 Months
7.99%
▼
APR7.99%
Interest Rate6.49%
Term0-48 Months
Last UpdatedNot available
Details
As Low As; Best APR 6.49% (rate); APR 7.99%; Loyalty Rewards discount of up to 1.50% available to qualifying members; Maximum terms based on model year and vehicle value
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 9 times
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
193 Edison St, Uniontown, PA, 15401
Signature LoansTerm: Up to 24 months
7.99%
▼
APR7.99%
Interest Rate7.99%
TermUp to 24 months
Last UpdatedNot available
Details
up to $10,000; Published rate range: 7.99% - 11.99%.
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 5 times
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA, 16501 1911
Personal Loans - 2 yearTerm: 2 year
7.99%
▼
APR7.99%
Term2 year
Last UpdatedNot available
Details
As Low As; Min. loan amount $1,000
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 5 times
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%
TermN/A
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 15, 2026 · 8.00% APR · checked 7 times
Locomotive And Control Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
1286 E 38th St, Erie, PA, 16504 3039
Unsecured LoanTerm: up to 60 months
8.00%
▼
APR8.00%
Termup to 60 months
Last UpdatedNot available
Details
up to $15,000; As Low As; Maximum: $15,000.00
Rate History
No change since Sep 16, 2026 · 8.00% APR · checked 5 times
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 3 years
8.00%
▼
APR8.00%
Term3 years
Last UpdatedNot available
Details
Published APR range: 8.00% - 15.75%.
Rate History
No change since Sep 16, 2026 · 8.00% APR · checked 5 times
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoansTerm: 4 Years
8.00%
▼
APR8.00%
Term4 Years
Last UpdatedNot available
Details
As Low As
Rate History
1 change since Sep 16, 2026 · 8.25% → 8.00% ▼ 0.25 pts · high 8.25% / low 8.00%
- Sep 25, 20268.00%▼ from 8.25%
- Sep 16, 20268.25%first recorded
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1301 Camp Hollow Rd, West Mifflin, PA, 15122
Personal LoanTerm: Up to 12 months
8.00%
▼
APR8.00%
TermUp to 12 months
Last UpdatedNot available
Details
As Low As; APR*
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 times
Derry Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
160 E 1st Ave, Derry, PA, 15627 1926
Unsecured Loan
8.00%
▼
APR8.00%
TermN/A
Last UpdatedNot available
Details
As Low As; $5,000.00 Maximum for qualified borrowers, restrictions apply
Rate History
No change since Sep 12, 2026 · 8.00% APR · checked 4 times
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA, 15213
Personal Loan - 12 MonthsTerm: 12 Months
8.00%
▼
APR8.00%
Term12 Months
Last UpdatedNot available
Details
As Low As; Maximum amount varies based on credit score
Rate History
No change since Oct 12, 2026 · 8.00% APR
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 36 months
8.00%
▼
APR8.00%
Interest Rate8.00%
Term36 months
Last UpdatedNot available
Details
Max Amount: $12,500
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 6 times
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 UpdatedNot available
Details
Published APR range: 8.0% to 10.0%. Maximum: $10,000; Depends on your credit score
Rate History
No change since Sep 17, 2026 · 8.00% APR · checked 6 times
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
16 E Main St, Leola, PA, 17540 1936
Unsecured Personal LoansTerm: 12 months
8.00%
▼
APR8.00%
Interest Rate8.00%
Term12 months
Last UpdatedNot available
Details
FICO Score: 750+
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 6 times
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 36 Months
8.00%
▼
APR8.00%
Term36 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: 25-36 months
8.24%
▼
APR8.24%
Term25-36 months
Last UpdatedNot available
Details
As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Rate History
No change since Sep 14, 2026 · 8.24% APR · checked 7 times
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 4 years
8.25%
▼
APR8.25%
Term4 years
Last UpdatedNot available
Details
Published APR range: 8.25% - 16.75%.
Rate History
No change since Sep 16, 2026 · 8.25% APR · checked 5 times
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA, 15213
Personal Loan - 24 MonthsTerm: 24 Months
8.25%
▼
APR8.25%
Term24 Months
Last UpdatedNot available
Details
As Low As; Maximum amount varies based on credit score
Rate History
No change since Oct 12, 2026 · 8.25% APR
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
Personal LoanTerm: 36-60 Months
8.25%
▼
APR8.25%
Term36-60 Months
Last UpdatedNot available
Details
up to $15,000
Rate History
No change since Sep 25, 2026 · 8.25% APR · checked 5 times
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
Personal Loan (unsecured)Term: 36-60 months
8.25%
▼
APR8.25%
Term36-60 months
Last UpdatedNot available
Details
Amount: $500 - $15,000
Rate History
No change since Sep 25, 2026 · 8.25% APR · checked 5 times
Highway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
405 Laurel St, Hughestown, PA, 18640
Signature LoansTerm: 19-36 Months
8.25%
▼
APR8.25%
Interest Rate8.25%
Term19-36 Months
Last UpdatedNot available
Details
Fair Isaac Risk Score: 750-Above; Signature loans up to $9,000; rate type not labeled in table
Rate History
1 change since Sep 14, 2026 · 9.50% → 8.25% ▼ 1.25 pts · high 9.50% / low 8.25%
- Sep 17, 20268.25%▼ from 9.50%
- Sep 14, 20269.50%first recorded
Western PA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
2300 Freeport Rd, New Kensington, PA, 15068 4669
Personal Loans - Evergreen AdvantageTerm: Up to 60 months
8.25%
▼
APR8.25%
TermUp to 60 months
Last UpdatedNot available
Details
As Low As; Evergreen Advantage rate
Rate History
No change since Oct 13, 2026 · 8.25% APR
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 48 Months
8.25%
▼
APR8.25%
Term48 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 6 times
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
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 UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 16, 2026 · 8.49% APR · checked 5 times
Wabellco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1277 Park Ave, Washington, PA, 15301
Personal & Bill Consolidation LoanTerm: 1-5 Years
8.49%
▼
APR8.49%
Term1-5 Years
Last UpdatedNot available
Details
As Low As; $10,000 max for qualified borrowers; Cosigner &/or Collateral required
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 8 times
Discovery Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2744 Century Blvd, Wyomissing, PA, 19610
Upgrade Your Everyday Personal Loan SpecialTerm: 0 to 18 months
8.49%
▼
APR8.49%
Term0 to 18 months
Last UpdatedNot available
Details
As Low As; Limited time unsecured loan special; maximum amount $5,000; maximum term up to 18 months
Rate History
No change since Oct 5, 2026 · 8.49% APR · checked 2 times
Central Susquehanna Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
530 E market St, Danville, PA, 17821
Personal Loan - PersonalTerm: Up to 60 Months
8.49%
▼
APR8.49%
Interest Rate8.49%
TermUp to 60 Months
Last UpdatedNot available
Details
up to $12,000; Credit Tier 1 (710+); Auto pay from CSC account earns a .25% discount
Rate History
No change since Oct 13, 2026 · 8.49% APR
Arize Federal Credit Union
Institution Rating:
A-4.8 ★Texas Ratio: 16.86%
650 Science Park Rd, State College, PA, 16803
Unsecured Personal LoanTerm: Up to 12 Months
8.49%
▼
APR8.49%
TermUp to 12 Months
Last UpdatedNot available
Details
Credit Tier: A+ (760+); Rates determined by credit score and loan term
Rate History
No change since Oct 13, 2026 · 8.49% APR
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA, 16501 1911
Personal Loans - 3 yearTerm: 3 year
8.49%
▼
APR8.49%
Term3 year
Last UpdatedNot available
Details
As Low As; Min. loan amount $1,000
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 5 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Personal LoansTerm: 25 - 36 months
8.49%
▼
APR8.49%
Term25 - 36 months
Last UpdatedNot available
Details
As Low As; Auto Pay Discount: 8.39%
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 7 times
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
317 Brownsville Rd, Pittsburgh, PA, 15210
Signature - Max LoanTerm: 60 Months
8.50%
▼
APR8.50%
Term60 Months
Last UpdatedNot available
Details
Credit Level: Gold; Credit Score: 730 and Up
Rate History
No change since Sep 16, 2026 · 8.50% APR · checked 3 times
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 5 years
8.50%
▼
APR8.50%
Term5 years
Last UpdatedNot available
Details
Published APR range: 8.50% - 17.75%.
Rate History
No change since Sep 16, 2026 · 8.50% APR · checked 5 times
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoansTerm: 5 Years
8.50%
▼
APR8.50%
Term5 Years
Last UpdatedNot available
Details
As Low As
Rate History
1 change since Sep 16, 2026 · 8.75% → 8.50% ▼ 0.25 pts · high 8.75% / low 8.50%
- Sep 25, 20268.50%▼ from 8.75%
- Sep 16, 20268.75%first recorded
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1301 Camp Hollow Rd, West Mifflin, PA, 15122
Personal LoanTerm: Up to 24 months
8.50%
▼
APR8.50%
TermUp to 24 months
Last UpdatedNot available
Details
As Low As; APR*
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA, 15213
Personal Loan - 36 MonthsTerm: 36 Months
8.50%
▼
APR8.50%
Term36 Months
Last UpdatedNot available
Details
As Low As; Maximum amount varies based on credit score
Rate History
No change since Oct 12, 2026 · 8.50% APR
Earning Tree Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
800 Wyoming Ave, Wyoming, PA, 18644
Signature Loan
8.50%
▼
APR8.50%
TermN/A
Last UpdatedNot available
Details
Under $2,000; All loans under $2,000 have a rate of 8.5%; all loan rates listed are APRs
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 9 times
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 48 months
8.50%
▼
APR8.50%
Interest Rate8.50%
Term48 months
Last UpdatedNot available
Details
Max Amount: $12,500
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 6 times
Bva Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
608 Rostraver Rd, Belle Vernon, PA, 15012 1941
Signature LoanTerm: 36 Months
8.50%
▼
APR8.50%
Term36 Months
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 17, 2026 · 8.50% APR · checked 8 times
Pocono Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
206 E Brown St, East Stroudsburg, PA, 18301
Signature LoanTerm: 12 months
8.50%
▼
APR8.50%
Term12 months
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
Blackhawk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
2358 Darlington RD, Beaver Falls, PA, 15010
Signature LoansTerm: 12 Months
8.50%
▼
APR8.50%
Term12 Months
Last UpdatedNot available
Details
Up to $10,000
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 8 times
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
16 E Main St, Leola, PA, 17540 1936
Unsecured Personal LoansTerm: 24 months
8.50%
▼
APR8.50%
Interest Rate8.50%
Term24 months
Last UpdatedNot available
Details
FICO Score: 750+
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 6 times
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1402 Bywood Ave, Upper Darby, PA, 19082
Personal Signature Loan
8.50%
▼
APR8.50%
TermN/A
Last UpdatedNot available
Details
Published APR range: 8.5% - 18.0%.
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
314 Horsham Rd Ste D, Horsham, PA, 19044 2109
Personal LoanTerm: Up to 36 Months
8.74%
▼
APR8.74%
TermUp to 36 Months
Last UpdatedNot available
Details
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
Rate History
No change since Sep 30, 2026 · 8.74% APR · checked 4 times
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA, 17701
Personal Loans maxTerm: Up to 48 months
8.74%
▼
APR8.74%
TermUp to 48 months
Last UpdatedNot available
Details
$20,000; Maximum $20,000; APR includes 0.50% auto-pay/direct deposit discount
Rate History
No change since Sep 12, 2026 · 8.74% APR · checked 7 times
Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
1536 Riverside Dr, S Williamsport, PA, 17702
Signature Loan (Unsecured)Term: Up to 12 months
8.74%
▼
APR8.74%
TermUp to 12 months
Last UpdatedNot available
Details
As Low As; Minimum Loan Amount: $1,000; Rates and payment may change based on credit score
Rate History
No change since Sep 17, 2026 · 8.74% APR · checked 8 times
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
199 N Main St, Athens, PA, 18810 1707
Share Loans (Personal) - With CollateralTerm: 0-24 months
8.74%
▼
APR8.74%
Term0-24 months
Last UpdatedNot available
Details
As Low As; With Collateral
Rate History
No change since Oct 13, 2026 · 8.74% APR
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
199 N Main St, Athens, PA, 18810 1707
Share Loans (Personal) - Without CollateralTerm: 0-24 months
8.74%
▼
APR8.74%
Term0-24 months
Last UpdatedNot available
Details
As Low As; Without Collateral
Rate History
No change since Oct 13, 2026 · 8.74% APR
Ukrainian Selfreliance of Western PA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
700 Washington Ave, Carnegie, PA, 15106
Signature Loans (Unsecured)Term: Up to 60 months
8.74%
▼
APR8.74%
TermUp to 60 months
Last UpdatedNot available
Details
As Low As; Up to $20,000 for qualified borrowers
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 6 times
Arize Federal Credit Union
Institution Rating:
A-4.8 ★Texas Ratio: 16.86%
650 Science Park Rd, State College, PA, 16803
Unsecured Personal LoanTerm: 13-36 Months
8.74%
▼
APR8.74%
Term13-36 Months
Last UpdatedNot available
Details
Credit Tier: A+ (760+); Rates determined by credit score and loan term
Rate History
No change since Oct 13, 2026 · 8.74% APR
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA, 17408 2228
Personal Loan
8.74%
▼
APR8.74%
Interest Rate8.74%
TermN/A
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 9 times
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: 37-48 months
8.74%
▼
APR8.74%
Term37-48 months
Last UpdatedNot available
Details
As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 7 times
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 UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 15, 2026 · 8.75% APR · checked 7 times
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
317 Brownsville Rd, Pittsburgh, PA, 15210
Signature - Max LoanTerm: 36 Months
8.75%
▼
APR8.75%
Term36 Months
Last UpdatedNot available
Details
Credit Level: Silver; Credit Score: 729 - 670
Rate History
No change since Sep 16, 2026 · 8.75% APR · checked 3 times
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1550 Medical Dr, Pottstown, PA, 19464 3225
Unsecured LoansTerm: 0-60 months
8.75%
▼
APR8.75%
Term0-60 months
Last UpdatedNot available
Details
As Low As; Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.
Rate History
No change since Sep 12, 2026 · 8.75% APR · checked 7 times
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
115 Clay St, North East, PA, 16428 1537
Personal Loans - 36 MonthsTerm: 36 Months
8.75%
▼
APR8.75%
Term36 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Oct 12, 2026 · 8.75% APR
Western PA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
2300 Freeport Rd, New Kensington, PA, 15068 4669
Personal LoansTerm: Up to 36 months
8.75%
▼
APR8.75%
TermUp to 36 months
Last UpdatedNot available
Details
As Low As; Standard APR
Rate History
No change since Oct 13, 2026 · 8.75% APR
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 60 Months
8.75%
▼
APR8.75%
Term60 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 6 times
Earning Tree Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
800 Wyoming Ave, Wyoming, PA, 18644
Signature LoansTerm: 36 months
8.90%
▼
APR8.90%
Interest Rate8.90%
Term36 months
Last UpdatedNot available
Details
Dollar limits based on income and credit score; signature loans available after 60 days of membership, no waiting period with credit score 700+
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 9 times
First Area Federal Credit Union Lewistown, PA
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
23 S Dorcas St, Lewistown, PA, 17044
Personal loan
8.90%
▼
APR8.90%
TermN/A
Last UpdatedNot available
Details
As low as; Annual Percentage Rate; Featured Rate; Rates effective as of 11/01/2025
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 9 times
A & S Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2090 Brodhead Rd, Aliquippa, PA, 15001
Unsecured LoanTerm: 36 Months
8.95%
▼
APR8.95%
Term36 Months
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 16, 2026 · 8.95% APR · checked 5 times
SCA
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2656 ELLWOOD RD UNIT 1, NEW CASTLE, PA, 16101
Used 2019 and Older Personal LoanTerm: 1-60 months
8.95%
▼
APR8.95%
Term1-60 months
Last UpdatedNot available
Details
Rates are shown 'as low as'. The rate will be based on credit worthiness of each member and may be higher than the rate shown below.
Rate History
No change since Oct 6, 2026 · 8.95% APR · checked 2 times
Allegent Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1001 Liberty Ave, Pittsburgh, PA, 15222
Personal Loan - 1-48 MonthsTerm: 1-48 months
8.99%
▼
APR8.99%
Interest Rate8.99%
Term1-48 months
Last UpdatedNot available
Details
As Low As; Rates shown as low as and subject to creditworthiness and loan term
Rate History
No change since Oct 8, 2026 · 8.99% APR · checked 2 times
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Personal Loans - UnsecuredTerm: 1-3 years
8.99%
▼
APR8.99%
Term1-3 years
Last UpdatedNot available
Details
As Low As; Minimum loan amount of $500 per individual. Maximum amount of $10,000 per individual, $15,000 with two signatures.
Rate History
No change since Oct 12, 2026 · 8.99% APR
PRR South Fork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
220 Main St, South Fork, PA, 15956
Signature LoanTerm: 60 Months
8.99%
▼
APR8.99%
Term60 Months
Last UpdatedNot available
Details
$7,500 + Shares
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 5 times
Freedom United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
115 Perry Hwy Ste 176, Harmony, PA, 16037 9205
Unsecured LoanTerm: 24 months
8.99%
▼
APR8.99%
Term24 months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 25, 2026 · 8.99% APR · checked 4 times
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA, 17701
Personal Loans maxTerm: Up to 60 months
8.99%
▼
APR8.99%
TermUp to 60 months
Last UpdatedNot available
Details
$20,000; Maximum $20,000; APR includes 0.50% auto-pay/direct deposit discount
Rate History
No change since Sep 12, 2026 · 8.99% APR · checked 7 times
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
1800 W Market St, Pottsville, PA, 17901
Signature Unsecured Loan
8.99%
▼
APR8.99%
TermN/A
Last UpdatedNot available
Details
As Low As; As of September 11, 2025; Non-refundable $25 application fee
Rate History
No change since Sep 12, 2026 · 8.99% APR · checked 8 times
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
17 East Ave, Wellsboro, PA, 16901
Signature/Personal LoanTerm: 24 months
8.99%
▼
APR8.99%
Term24 months
Last UpdatedNot available
Details
As Low As; Fixed-Rate Loans; Terms (Up To) 24 mos.
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 8 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2160 Lincoln Hwy E Ste 20, Lancaster, PA, 17602
Personal Loan
8.99%
▼
APR8.99%
TermN/A
Last UpdatedNot available
Details
As Low As; Rates subject to credit score; Personal loans available as low as 8.99% APR for qualified borrowers; Rate current as of October 1, 2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
Frick Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
235 Pittsburgh St, Uniontown, PA, 15401 2751
Personal LoansTerm: up to 36 months
8.99%
▼
APR8.99%
Termup to 36 months
Last UpdatedNot available
Details
As Low As; Rate as low as 8.99%
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 9 times
Susquehanna Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
3850 Hartzdale Dr, Camp Hill, PA, 17011 7809
Signature LoanTerm: Up to 60 Months
8.99%
▼
APR8.99%
TermUp to 60 Months
Last UpdatedNot available
Details
Effective 1-1-2026; APR includes .5% Gold Star Member Discount
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 7 times
Arize Federal Credit Union
Institution Rating:
A-4.8 ★Texas Ratio: 16.86%
650 Science Park Rd, State College, PA, 16803
Unsecured Personal LoanTerm: 37-48 Months
8.99%
▼
APR8.99%
Term37-48 Months
Last UpdatedNot available
Details
Credit Tier: A+ (760+); Rates determined by credit score and loan term
Rate History
No change since Oct 13, 2026 · 8.99% APR
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
193 Edison St, Uniontown, PA, 15401
Signature LoansTerm: Up to 36 months
8.99%
▼
APR8.99%
Interest Rate8.99%
TermUp to 36 months
Last UpdatedNot available
Details
up to $10,000; Published rate range: 8.99% - 12.99%.
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 5 times
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA, 16501 1911
Personal Loans - 4 yearTerm: 4 year
8.99%
▼
APR8.99%
Term4 year
Last UpdatedNot available
Details
As Low As; Min. loan amount $1,000
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Credit Union Pl, Harrisburg, PA, 17110
Personal LoansTerm: 3-36 Months
8.99%
▼
APR8.99%
Term3-36 Months
Last UpdatedNot available
Details
As Low As; Loan Amount Minimum: $1,000.00; APR assumes excellent creditworthiness
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
Allentown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1325 Oxford Dr, Allentown, PA, 18103
Signature LoansTerm: 36 months
8.99%
▼
APR8.99%
Term36 months
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 7 times
PAGODA
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
833 Washington St, Reading, PA, 19601 3658
Signature Individual LoanTerm: 12 Months
8.99%
▼
APR8.99%
Term12 Months
Last UpdatedNot available
Details
$10,000; As low as
Rate History
No change since Oct 6, 2026 · 8.99% APR · checked 2 times
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoansTerm: 6 Years
9.00%
▼
APR9.00%
Term6 Years
Last UpdatedNot available
Details
As Low As
Rate History
1 change since Sep 16, 2026 · 9.25% → 9.00% ▼ 0.25 pts · high 9.25% / low 9.00%
- Sep 25, 20269.00%▼ from 9.25%
- Sep 16, 20269.25%first recorded
Johnstown School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
738 Viewmont Ave, Johnstown, PA, 15905
Signature LoansTerm: 36 Months
9.00%
▼
APR9.00%
Term36 Months
Last UpdatedNot available
Details
$6,000 maximum
Rate History
No change since Sep 16, 2026 · 9.00% APR · checked 5 times
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1301 Camp Hollow Rd, West Mifflin, PA, 15122
Personal LoanTerm: Up to 36 months
9.00%
▼
APR9.00%
TermUp to 36 months
Last UpdatedNot available
Details
As Low As; APR*
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 7 times
EQT Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
603 Stanwix St Ste 1776, Pittsburgh, PA, 15222 1421
Personal Loan
9.00%
▼
APR9.00%
TermN/A
Last UpdatedNot available
Details
As Low As; Rates effective 10/01/2026 through 12/31/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 7 times
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
364 Morgantown St, Uniontown, PA, 15401
Signature Loans
9.00%
▼
APR9.00%
TermN/A
Last UpdatedNot available
Details
$10,000; As Low As
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 9 times
Community Connect Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1050 E Spring St, Titusville, PA, 16354 7826
Unsecured LoansTerm: up to 60 Months
9.00%
▼
APR9.00%
Termup to 60 Months
Last UpdatedNot available
Details
Term: Terms up to 60 Months; As Low As; Posted rate includes .25% autopay/batch transfer deduction; requires direct deposit or payroll deduction equal to or more than the monthly payment
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 9 times
Americo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4101 Main St, Erie, PA, 16511
Personal LoansTerm: 60 months
9.00%
▼
APR9.00%
Term60 months
Last UpdatedNot available
Details
APR as low as; Payment example:; Rate disclosed with an asterisk represents the lowest possible APR for a Personal Loan; Rate based on credit worthiness, term and other conditions; A .25% discount off qualifying APR available with auto payment enrollment; minimum rate with any discount is 9.00% APR
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 5 times
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 60 months
9.00%
▼
APR9.00%
Interest Rate9.00%
Term60 months
Last UpdatedNot available
Details
Max Amount: $12,500
Rate History
No change since Sep 18, 2026 · 9.00% APR · checked 6 times
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%
TermN/A
Last UpdatedNot available
Details
As Low As; Annual Percentage Rate; Rates effective as of 1/9/2025; Rates subject to change without notice
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 9 times
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
16 E Main St, Leola, PA, 17540 1936
Unsecured Personal LoansTerm: 36 months
9.00%
▼
APR9.00%
Interest Rate9.00%
Term36 months
Last UpdatedNot available
Details
FICO Score: 750+
Rate History
No change since Sep 18, 2026 · 9.00% APR · checked 6 times
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 72 Months
9.00%
▼
APR9.00%
Term72 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
Healthcare First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
1152 Franklin St, Johnstown, PA, 15905 4310
Personal Loans - Open End Signature
9.00%
▼
APR9.00%
TermN/A
Last UpdatedNot available
Details
Personal Loans APR*
Rate History
No change since Oct 13, 2026 · 9.00% APR
Powered by
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: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Personal LoansTerm: 12 months or less
6.49%
▼
APR6.49%
Term12 months or less
Last UpdatedNot available
Details
As Low As; Auto Pay Discount: 6.39%
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 7 times
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Personal Loan - Special fixed up to 15 monthsTerm: Up to 15 months
6.50%
▼
APR6.50%
TermUp to 15 months
Last UpdatedNot available
Details
As Low As; Special fixed up to 15 months; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account
Rate History
No change since Oct 12, 2026 · 6.50% APR
York Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1601 S Queen St, York, PA, 17403 4630
Personal Loans
6.50%
▼
APR6.50%
TermN/A
Last UpdatedNot available
Details
As Low As; Featured rate; Rates available to qualified members only
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 9 times
COLFAX POWER PLANT EMPLOYEES
Institution Rating:
B4.4 ★Texas Ratio: 22.05%
832 PITTSBURGH ST, SPRINGDALE, PA, 15144 1623
Promotional Personal LoansTerm: 48 months
6.50%
▼
APR6.50%
Term48 months
Last UpdatedNot available
Details
Promotional: $5,000.00 for 48 months. Maximum of one (1) per member
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 7 times
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 UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 15, 2026 · 6.89% APR · checked 7 times
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1456 Lake Ariel Hwy, Lake Ariel, PA, 18436
Personal Loan UnsecuredTerm: 36 months
6.99%
▼
APR6.99%
Term36 months
Last UpdatedNot available
Details
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000, minimum credit score is 730, and maximum term is 36 months. Payment Examples: On a $7,500 loan, the payment would be $231.54 per month for 36 months with a 6.99% APR.
Rate History
1 change since Sep 15, 2026 · 9.04% → 6.99% ▼ 2.05 pts · high 9.04% / low 6.99%
- Oct 7, 20266.99%▼ from 9.04%
- Sep 15, 20269.04%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA, 19130
Personal LoanTerm: 1 to 5 years
6.99%
▼
APR6.99%
Term1 to 5 years
Last UpdatedNot available
Details
As Low As; APR includes a 0.25% discount for automatic monthly payments; APR increases by 0.25% without automatic payment
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
First Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
2209 W State St, New Castle, PA, 16101 1138
Personal Loans
6.99%
▼
APR6.99%
TermN/A
Last UpdatedNot available
Details
As Low As; current as of January 1st 2026
Rate History
No change since Sep 12, 2026 · 6.99% APR · checked 8 times
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA, 16501 1911
Personal Loans - 1 yearTerm: 1 year
6.99%
▼
APR6.99%
Term1 year
Last UpdatedNot available
Details
As Low As; Min. loan amount $1,000
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 4 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
15 N 3rd St, Quakertown, PA, 18951
Personal LoanTerm: 48 months
7.00%
▼
APR7.00%
Term48 months
Last UpdatedNot available
Details
Borrower must be a QNB customer.
Rate History
No change since Oct 7, 2026 · 7.00% APR · checked 2 times
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
115 Clay St, North East, PA, 16428 1537
Personal Loans - 12 MonthsTerm: 12 Months
7.00%
▼
APR7.00%
Term12 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Oct 12, 2026 · 7.00% APR
Spirit Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
8535 New Falls Rd, Levittown, PA, 19054 1601
Personal LoanTerm: 60 months
7.00%
▼
APR7.00%
Term60 months
Last UpdatedNot available
Details
Rates are for qualified borrowers and are based on the credit worthiness of the individual. Actual rates may be different than the rates shown. As of 10/01/26 the Prime Rate was 7.00%.
Rate History
No change since Oct 9, 2026 · 7.00% APR · checked 3 times
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 UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 15, 2026 · 7.11% APR · checked 7 times
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: Up to 12 months
7.24%
▼
APR7.24%
TermUp to 12 months
Last UpdatedNot available
Details
As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 7 times
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoansTerm: 2 Years
7.25%
▼
APR7.25%
Term2 Years
Last UpdatedNot available
Details
As Low As
Rate History
1 change since Sep 16, 2026 · 7.50% → 7.25% ▼ 0.25 pts · high 7.50% / low 7.25%
- Sep 25, 20267.25%▼ from 7.50%
- Sep 16, 20267.50%first recorded
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 UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 15, 2026 · 7.34% APR · checked 7 times
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
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 UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 16, 2026 · 7.49% APR · checked 5 times
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
335 W Butler Ave, Chalfont, PA, 18914
Personal Loan SpecialTerm: 5-Year (60 month)
7.49%
▼
APR7.49%
Term5-Year (60 month)
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Oct 6, 2026 · 7.49% APR · checked 2 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Personal LoansTerm: 13 - 24 months
7.49%
▼
APR7.49%
Term13 - 24 months
Last UpdatedNot available
Details
As Low As; Auto Pay Discount: 7.39%
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 7 times
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoansTerm: 3 Years
7.50%
▼
APR7.50%
Term3 Years
Last UpdatedNot available
Details
As Low As
Rate History
1 change since Sep 16, 2026 · 7.75% → 7.50% ▼ 0.25 pts · high 7.75% / low 7.50%
- Sep 25, 20267.50%▼ from 7.75%
- Sep 16, 20267.75%first recorded
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
230 Mall Blvd Bldg 100, King of Prussia, PA, 19406 2902
Personal LoanTerm: Up to 36 months
7.74%
▼
APR7.74%
TermUp to 36 months
Last UpdatedNot available
Details
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account
Rate History
No change since Sep 16, 2026 · 7.74% APR · checked 5 times
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: 13-24 months
7.74%
▼
APR7.74%
Term13-24 months
Last UpdatedNot available
Details
As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 7 times
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
115 Clay St, North East, PA, 16428 1537
Personal Loans - 24 MonthsTerm: 24 Months
7.75%
▼
APR7.75%
Term24 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Oct 12, 2026 · 7.75% APR
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 24 months
7.75%
▼
APR7.75%
Interest Rate7.75%
Term24 months
Last UpdatedNot available
Details
Max Amount: $12,500
Rate History
No change since Sep 18, 2026 · 7.75% APR · checked 6 times
Western PA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
2300 Freeport Rd, New Kensington, PA, 15068 4669
Personal Loans - Evergreen AdvantageTerm: Up to 36 months
7.75%
▼
APR7.75%
TermUp to 36 months
Last UpdatedNot available
Details
As Low As; Evergreen Advantage rate
Rate History
No change since Oct 13, 2026 · 7.75% APR
IBEW Local No 5 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
Personal LoansTerm: up to 60 Months
7.75%
▼
APR7.75%
Termup to 60 Months
Last UpdatedNot available
Details
Published APR range: 7.75%-18.05%. Maximum Amount to Borrow: $10,000.00
Rate History
1 change since Sep 14, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50%
- Oct 9, 20267.75%▲ from 7.50%
- Sep 14, 20267.50%first recorded
West Aircomm Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
485 Buffalo St, Beaver, PA, 15009 2058
Personal Loan SpecialTerm: 18-48 months
7.99%
▼
APR7.99%
Term18-48 months
Last UpdatedNot available
Details
***Additional terms available up to 10 years. +0.25% for each additional year over 5.
Rate History
No change since Sep 12, 2026 · 7.99% APR · checked 7 times
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
17 East Ave, Wellsboro, PA, 16901
Personal Loan
7.99%
▼
APR7.99%
TermN/A
Last UpdatedNot available
Details
As Low As; Debt Protection is available; Check out our rates
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
17 East Ave, Wellsboro, PA, 16901
Signature/Personal LoanTerm: 12 months
7.99%
▼
APR7.99%
Term12 months
Last UpdatedNot available
Details
As Low As; Fixed-Rate Loans; Terms (Up To) 12 mos.
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
Frick Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
235 Pittsburgh St, Uniontown, PA, 15401 2751
Personal LoansTerm: up to 24 months
7.99%
▼
APR7.99%
Termup to 24 months
Last UpdatedNot available
Details
As Low As; Rate as low as 7.99%
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 9 times
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
821 Beaver Dr, DuBois, PA, 15801
Signature/Personal LoansTerm: 0-48 Months
7.99%
▼
APR7.99%
Interest Rate6.49%
Term0-48 Months
Last UpdatedNot available
Details
As Low As; Best APR 6.49% (rate); APR 7.99%; Loyalty Rewards discount of up to 1.50% available to qualifying members; Maximum terms based on model year and vehicle value
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 9 times
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA, 16501 1911
Personal Loans - 2 yearTerm: 2 year
7.99%
▼
APR7.99%
Term2 year
Last UpdatedNot available
Details
As Low As; Min. loan amount $1,000
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 5 times
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoansTerm: 4 Years
8.00%
▼
APR8.00%
Term4 Years
Last UpdatedNot available
Details
As Low As
Rate History
1 change since Sep 16, 2026 · 8.25% → 8.00% ▼ 0.25 pts · high 8.25% / low 8.00%
- Sep 25, 20268.00%▼ from 8.25%
- Sep 16, 20268.25%first recorded
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1301 Camp Hollow Rd, West Mifflin, PA, 15122
Personal LoanTerm: Up to 12 months
8.00%
▼
APR8.00%
TermUp to 12 months
Last UpdatedNot available
Details
As Low As; APR*
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 times
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA, 15213
Personal Loan - 12 MonthsTerm: 12 Months
8.00%
▼
APR8.00%
Term12 Months
Last UpdatedNot available
Details
As Low As; Maximum amount varies based on credit score
Rate History
No change since Oct 12, 2026 · 8.00% APR
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 36 months
8.00%
▼
APR8.00%
Interest Rate8.00%
Term36 months
Last UpdatedNot available
Details
Max Amount: $12,500
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 6 times
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
16 E Main St, Leola, PA, 17540 1936
Unsecured Personal LoansTerm: 12 months
8.00%
▼
APR8.00%
Interest Rate8.00%
Term12 months
Last UpdatedNot available
Details
FICO Score: 750+
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 6 times
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 36 Months
8.00%
▼
APR8.00%
Term36 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: 25-36 months
8.24%
▼
APR8.24%
Term25-36 months
Last UpdatedNot available
Details
As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Rate History
No change since Sep 14, 2026 · 8.24% APR · checked 7 times
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA, 15213
Personal Loan - 24 MonthsTerm: 24 Months
8.25%
▼
APR8.25%
Term24 Months
Last UpdatedNot available
Details
As Low As; Maximum amount varies based on credit score
Rate History
No change since Oct 12, 2026 · 8.25% APR
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
Personal LoanTerm: 36-60 Months
8.25%
▼
APR8.25%
Term36-60 Months
Last UpdatedNot available
Details
up to $15,000
Rate History
No change since Sep 25, 2026 · 8.25% APR · checked 5 times
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
640 Baltimore Dr, Wilkes Barre, PA, 18702 7943
Personal Loan (unsecured)Term: 36-60 months
8.25%
▼
APR8.25%
Term36-60 months
Last UpdatedNot available
Details
Amount: $500 - $15,000
Rate History
No change since Sep 25, 2026 · 8.25% APR · checked 5 times
Western PA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
2300 Freeport Rd, New Kensington, PA, 15068 4669
Personal Loans - Evergreen AdvantageTerm: Up to 60 months
8.25%
▼
APR8.25%
TermUp to 60 months
Last UpdatedNot available
Details
As Low As; Evergreen Advantage rate
Rate History
No change since Oct 13, 2026 · 8.25% APR
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 48 Months
8.25%
▼
APR8.25%
Term48 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 6 times
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
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 UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 16, 2026 · 8.49% APR · checked 5 times
Discovery Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2744 Century Blvd, Wyomissing, PA, 19610
Upgrade Your Everyday Personal Loan SpecialTerm: 0 to 18 months
8.49%
▼
APR8.49%
Term0 to 18 months
Last UpdatedNot available
Details
As Low As; Limited time unsecured loan special; maximum amount $5,000; maximum term up to 18 months
Rate History
No change since Oct 5, 2026 · 8.49% APR · checked 2 times
Central Susquehanna Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
530 E market St, Danville, PA, 17821
Personal Loan - PersonalTerm: Up to 60 Months
8.49%
▼
APR8.49%
Interest Rate8.49%
TermUp to 60 Months
Last UpdatedNot available
Details
up to $12,000; Credit Tier 1 (710+); Auto pay from CSC account earns a .25% discount
Rate History
No change since Oct 13, 2026 · 8.49% APR
Arize Federal Credit Union
Institution Rating:
A-4.8 ★Texas Ratio: 16.86%
650 Science Park Rd, State College, PA, 16803
Unsecured Personal LoanTerm: Up to 12 Months
8.49%
▼
APR8.49%
TermUp to 12 Months
Last UpdatedNot available
Details
Credit Tier: A+ (760+); Rates determined by credit score and loan term
Rate History
No change since Oct 13, 2026 · 8.49% APR
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA, 16501 1911
Personal Loans - 3 yearTerm: 3 year
8.49%
▼
APR8.49%
Term3 year
Last UpdatedNot available
Details
As Low As; Min. loan amount $1,000
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 5 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144
Personal LoansTerm: 25 - 36 months
8.49%
▼
APR8.49%
Term25 - 36 months
Last UpdatedNot available
Details
As Low As; Auto Pay Discount: 8.39%
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 7 times
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoansTerm: 5 Years
8.50%
▼
APR8.50%
Term5 Years
Last UpdatedNot available
Details
As Low As
Rate History
1 change since Sep 16, 2026 · 8.75% → 8.50% ▼ 0.25 pts · high 8.75% / low 8.50%
- Sep 25, 20268.50%▼ from 8.75%
- Sep 16, 20268.75%first recorded
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1301 Camp Hollow Rd, West Mifflin, PA, 15122
Personal LoanTerm: Up to 24 months
8.50%
▼
APR8.50%
TermUp to 24 months
Last UpdatedNot available
Details
As Low As; APR*
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA, 15213
Personal Loan - 36 MonthsTerm: 36 Months
8.50%
▼
APR8.50%
Term36 Months
Last UpdatedNot available
Details
As Low As; Maximum amount varies based on credit score
Rate History
No change since Oct 12, 2026 · 8.50% APR
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 48 months
8.50%
▼
APR8.50%
Interest Rate8.50%
Term48 months
Last UpdatedNot available
Details
Max Amount: $12,500
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 6 times
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
16 E Main St, Leola, PA, 17540 1936
Unsecured Personal LoansTerm: 24 months
8.50%
▼
APR8.50%
Interest Rate8.50%
Term24 months
Last UpdatedNot available
Details
FICO Score: 750+
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
314 Horsham Rd Ste D, Horsham, PA, 19044 2109
Personal LoanTerm: Up to 36 Months
8.74%
▼
APR8.74%
TermUp to 36 Months
Last UpdatedNot available
Details
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
Rate History
No change since Sep 30, 2026 · 8.74% APR · checked 4 times
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA, 17701
Personal Loans maxTerm: Up to 48 months
8.74%
▼
APR8.74%
TermUp to 48 months
Last UpdatedNot available
Details
$20,000; Maximum $20,000; APR includes 0.50% auto-pay/direct deposit discount
Rate History
No change since Sep 12, 2026 · 8.74% APR · checked 7 times
Arize Federal Credit Union
Institution Rating:
A-4.8 ★Texas Ratio: 16.86%
650 Science Park Rd, State College, PA, 16803
Unsecured Personal LoanTerm: 13-36 Months
8.74%
▼
APR8.74%
Term13-36 Months
Last UpdatedNot available
Details
Credit Tier: A+ (760+); Rates determined by credit score and loan term
Rate History
No change since Oct 13, 2026 · 8.74% APR
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA, 17408 2228
Personal Loan
8.74%
▼
APR8.74%
Interest Rate8.74%
TermN/A
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 9 times
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA, 16511 1140
Personal LoanTerm: 37-48 months
8.74%
▼
APR8.74%
Term37-48 months
Last UpdatedNot available
Details
As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 7 times
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
115 Clay St, North East, PA, 16428 1537
Personal Loans - 36 MonthsTerm: 36 Months
8.75%
▼
APR8.75%
Term36 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Oct 12, 2026 · 8.75% APR
Western PA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
2300 Freeport Rd, New Kensington, PA, 15068 4669
Personal LoansTerm: Up to 36 months
8.75%
▼
APR8.75%
TermUp to 36 months
Last UpdatedNot available
Details
As Low As; Standard APR
Rate History
No change since Oct 13, 2026 · 8.75% APR
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 60 Months
8.75%
▼
APR8.75%
Term60 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 6 times
First Area Federal Credit Union Lewistown, PA
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
23 S Dorcas St, Lewistown, PA, 17044
Personal loan
8.90%
▼
APR8.90%
TermN/A
Last UpdatedNot available
Details
As low as; Annual Percentage Rate; Featured Rate; Rates effective as of 11/01/2025
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 9 times
SCA
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2656 ELLWOOD RD UNIT 1, NEW CASTLE, PA, 16101
Used 2019 and Older Personal LoanTerm: 1-60 months
8.95%
▼
APR8.95%
Term1-60 months
Last UpdatedNot available
Details
Rates are shown 'as low as'. The rate will be based on credit worthiness of each member and may be higher than the rate shown below.
Rate History
No change since Oct 6, 2026 · 8.95% APR · checked 2 times
Allegent Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1001 Liberty Ave, Pittsburgh, PA, 15222
Personal Loan - 1-48 MonthsTerm: 1-48 months
8.99%
▼
APR8.99%
Interest Rate8.99%
Term1-48 months
Last UpdatedNot available
Details
As Low As; Rates shown as low as and subject to creditworthiness and loan term
Rate History
No change since Oct 8, 2026 · 8.99% APR · checked 2 times
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
2317 Easton Ave, Bethlehem, PA, 18017 5009
Personal Loans - UnsecuredTerm: 1-3 years
8.99%
▼
APR8.99%
Term1-3 years
Last UpdatedNot available
Details
As Low As; Minimum loan amount of $500 per individual. Maximum amount of $10,000 per individual, $15,000 with two signatures.
Rate History
No change since Oct 12, 2026 · 8.99% APR
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA, 17701
Personal Loans maxTerm: Up to 60 months
8.99%
▼
APR8.99%
TermUp to 60 months
Last UpdatedNot available
Details
$20,000; Maximum $20,000; APR includes 0.50% auto-pay/direct deposit discount
Rate History
No change since Sep 12, 2026 · 8.99% APR · checked 7 times
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
17 East Ave, Wellsboro, PA, 16901
Signature/Personal LoanTerm: 24 months
8.99%
▼
APR8.99%
Term24 months
Last UpdatedNot available
Details
As Low As; Fixed-Rate Loans; Terms (Up To) 24 mos.
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 8 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2160 Lincoln Hwy E Ste 20, Lancaster, PA, 17602
Personal Loan
8.99%
▼
APR8.99%
TermN/A
Last UpdatedNot available
Details
As Low As; Rates subject to credit score; Personal loans available as low as 8.99% APR for qualified borrowers; Rate current as of October 1, 2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
Frick Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
235 Pittsburgh St, Uniontown, PA, 15401 2751
Personal LoansTerm: up to 36 months
8.99%
▼
APR8.99%
Termup to 36 months
Last UpdatedNot available
Details
As Low As; Rate as low as 8.99%
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 9 times
Arize Federal Credit Union
Institution Rating:
A-4.8 ★Texas Ratio: 16.86%
650 Science Park Rd, State College, PA, 16803
Unsecured Personal LoanTerm: 37-48 Months
8.99%
▼
APR8.99%
Term37-48 Months
Last UpdatedNot available
Details
Credit Tier: A+ (760+); Rates determined by credit score and loan term
Rate History
No change since Oct 13, 2026 · 8.99% APR
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA, 16501 1911
Personal Loans - 4 yearTerm: 4 year
8.99%
▼
APR8.99%
Term4 year
Last UpdatedNot available
Details
As Low As; Min. loan amount $1,000
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Credit Union Pl, Harrisburg, PA, 17110
Personal LoansTerm: 3-36 Months
8.99%
▼
APR8.99%
Term3-36 Months
Last UpdatedNot available
Details
As Low As; Loan Amount Minimum: $1,000.00; APR assumes excellent creditworthiness
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA, 15236 1425
Personal LoansTerm: 6 Years
9.00%
▼
APR9.00%
Term6 Years
Last UpdatedNot available
Details
As Low As
Rate History
1 change since Sep 16, 2026 · 9.25% → 9.00% ▼ 0.25 pts · high 9.25% / low 9.00%
- Sep 25, 20269.00%▼ from 9.25%
- Sep 16, 20269.25%first recorded
Steel Strong Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1301 Camp Hollow Rd, West Mifflin, PA, 15122
Personal LoanTerm: Up to 36 months
9.00%
▼
APR9.00%
TermUp to 36 months
Last UpdatedNot available
Details
As Low As; APR*
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 7 times
EQT Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
603 Stanwix St Ste 1776, Pittsburgh, PA, 15222 1421
Personal Loan
9.00%
▼
APR9.00%
TermN/A
Last UpdatedNot available
Details
As Low As; Rates effective 10/01/2026 through 12/31/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 7 times
Americo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4101 Main St, Erie, PA, 16511
Personal LoansTerm: 60 months
9.00%
▼
APR9.00%
Term60 months
Last UpdatedNot available
Details
APR as low as; Payment example:; Rate disclosed with an asterisk represents the lowest possible APR for a Personal Loan; Rate based on credit worthiness, term and other conditions; A .25% discount off qualifying APR available with auto payment enrollment; minimum rate with any discount is 9.00% APR
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 5 times
Saint Vincent Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
2314 Sassafras St Ste 100, Erie, PA, 16502
Personal LoansTerm: 60 months
9.00%
▼
APR9.00%
Interest Rate9.00%
Term60 months
Last UpdatedNot available
Details
Max Amount: $12,500
Rate History
No change since Sep 18, 2026 · 9.00% APR · checked 6 times
Lancaster Red Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
16 E Main St, Leola, PA, 17540 1936
Unsecured Personal LoansTerm: 36 months
9.00%
▼
APR9.00%
Interest Rate9.00%
Term36 months
Last UpdatedNot available
Details
FICO Score: 750+
Rate History
No change since Sep 18, 2026 · 9.00% APR · checked 6 times
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
101 Deer Park Rd, Worthington, PA, 16262
Personal LoanTerm: 72 Months
9.00%
▼
APR9.00%
Term72 Months
Last UpdatedNot available
Details
As Low As
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
Healthcare First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
1152 Franklin St, Johnstown, PA, 15905 4310
Personal Loans - Open End Signature
9.00%
▼
APR9.00%
TermN/A
Last UpdatedNot available
Details
Personal Loans APR*
Rate History
No change since Oct 13, 2026 · 9.00% APR
Powered by
MonitorBankRates
Pennsylvania Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
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 UpdatedNot available
Details
As Low As
Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 9 times
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:
B+4.0 ★Texas Ratio: 4.92%
2201 Liberty Ave Ste 201, Pittsburgh, PA, 15222 4512
Signature LoanTerm: up to 60 months
6.50%
▼
APR6.50%
Termup to 60 months
Last UpdatedNot available
Details
As low as
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 7 times
Tri State Rail Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
711 Linden Ave, East Pittsburgh, PA, 15112
Signature Loan
6.90%
▼
APR6.90%
TermN/A
Last UpdatedNot available
Details
As Low As; Rates As Low As; lowest possible APR for an Unsecured Loan; subject to credit approval
Rate History
No change since Sep 14, 2026 · 6.90% APR · checked 7 times
Earning Tree Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
800 Wyoming Ave, Wyoming, PA, 18644
Signature LoansTerm: 12 months
6.90%
▼
APR6.90%
Interest Rate6.90%
Term12 months
Last UpdatedNot available
Details
Dollar limits based on income and credit score; signature loans available after 60 days of membership, no waiting period with credit score 700+
Rate History
No change since Sep 14, 2026 · 6.90% APR · checked 9 times
Latrobe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
1812 Ligonier St, Latrobe, PA, 15650 2917
Signature Loan
7.00%
▼
APR7.00%
TermN/A
Last UpdatedNot available
Details
As Low As; Featured Rates; Up to $8,000 (per banner)
Rate History
No change since Sep 12, 2026 · 7.00% APR · checked 7 times
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 1 year
7.50%
▼
APR7.50%
Term1 year
Last UpdatedNot available
Details
Published APR range: 7.50% - 13.75%.
Rate History
No change since Sep 16, 2026 · 7.50% APR · checked 5 times
Bva Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
608 Rostraver Rd, Belle Vernon, PA, 15012 1941
Signature LoanTerm: 24 Months
7.50%
▼
APR7.50%
Term24 Months
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 17, 2026 · 7.50% APR · checked 8 times
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
193 Edison St, Uniontown, PA, 15401
Signature LoansTerm: Up to 12 months
7.50%
▼
APR7.50%
Interest Rate7.50%
TermUp to 12 months
Last UpdatedNot available
Details
up to $10,000; Published rate range: 7.50% - 11.50%.
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 5 times
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
317 Brownsville Rd, Pittsburgh, PA, 15210
Signature - Max LoanTerm: 36 Months
7.75%
▼
APR7.75%
Term36 Months
Last UpdatedNot available
Details
Credit Level: Gold; Credit Score: 730 and Up
Rate History
No change since Sep 16, 2026 · 7.75% APR · checked 3 times
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 2 years
7.75%
▼
APR7.75%
Term2 years
Last UpdatedNot available
Details
Published APR range: 7.75% - 14.75%.
Rate History
No change since Sep 16, 2026 · 7.75% APR · checked 5 times
Highway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
405 Laurel St, Hughestown, PA, 18640
Signature LoansTerm: 12-18 Months
7.75%
▼
APR7.75%
Interest Rate7.75%
Term12-18 Months
Last UpdatedNot available
Details
Fair Isaac Risk Score: 750-Above; Signature loans up to $9,000; rate type not labeled in table
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 9 times
Earning Tree Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
800 Wyoming Ave, Wyoming, PA, 18644
Signature LoansTerm: 24 months
7.90%
▼
APR7.90%
Interest Rate7.90%
Term24 months
Last UpdatedNot available
Details
Dollar limits based on income and credit score; signature loans available after 60 days of membership, no waiting period with credit score 700+
Rate History
No change since Sep 14, 2026 · 7.90% APR · checked 9 times
P&G Mehoopany Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2859 SR 309 HWY, Dallas, PA, 18612
Signature Loan
7.90%
▼
APR7.90%
TermN/A
Last UpdatedNot available
Details
As Low As; Signature Loan
Rate History
No change since Sep 18, 2026 · 7.90% APR · checked 2 times
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA, 19123
Signature LoanTerm: Up to 84 months
7.99%
▼
APR7.99%
TermUp to 84 months
Last UpdatedNot available
Details
Maximum APR: 18.00%. Signature rates 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
Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 5 times
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
17 East Ave, Wellsboro, PA, 16901
Signature/Personal LoanTerm: 12 months
7.99%
▼
APR7.99%
Term12 months
Last UpdatedNot available
Details
As Low As; Fixed-Rate Loans; Terms (Up To) 12 mos.
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
Kinzua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1770 Market St, Warren, PA, 16365 1242
Signature Loan
7.99%
▼
APR7.99%
TermN/A
Last UpdatedNot available
Details
As Low As; Annual Percentage Rate
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 10 times
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
821 Beaver Dr, DuBois, PA, 15801
Signature/Personal LoansTerm: 0-48 Months
7.99%
▼
APR7.99%
Interest Rate6.49%
Term0-48 Months
Last UpdatedNot available
Details
As Low As; Best APR 6.49% (rate); APR 7.99%; Loyalty Rewards discount of up to 1.50% available to qualifying members; Maximum terms based on model year and vehicle value
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 9 times
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
193 Edison St, Uniontown, PA, 15401
Signature LoansTerm: Up to 24 months
7.99%
▼
APR7.99%
Interest Rate7.99%
TermUp to 24 months
Last UpdatedNot available
Details
up to $10,000; Published rate range: 7.99% - 11.99%.
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 5 times
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 3 years
8.00%
▼
APR8.00%
Term3 years
Last UpdatedNot available
Details
Published APR range: 8.00% - 15.75%.
Rate History
No change since Sep 16, 2026 · 8.00% APR · checked 5 times
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 UpdatedNot available
Details
Published APR range: 8.0% to 10.0%. Maximum: $10,000; Depends on your credit score
Rate History
No change since Sep 17, 2026 · 8.00% APR · checked 6 times
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 4 years
8.25%
▼
APR8.25%
Term4 years
Last UpdatedNot available
Details
Published APR range: 8.25% - 16.75%.
Rate History
No change since Sep 16, 2026 · 8.25% APR · checked 5 times
Highway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
405 Laurel St, Hughestown, PA, 18640
Signature LoansTerm: 19-36 Months
8.25%
▼
APR8.25%
Interest Rate8.25%
Term19-36 Months
Last UpdatedNot available
Details
Fair Isaac Risk Score: 750-Above; Signature loans up to $9,000; rate type not labeled in table
Rate History
1 change since Sep 14, 2026 · 9.50% → 8.25% ▼ 1.25 pts · high 9.50% / low 8.25%
- Sep 17, 20268.25%▼ from 9.50%
- Sep 14, 20269.50%first recorded
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
317 Brownsville Rd, Pittsburgh, PA, 15210
Signature - Max LoanTerm: 60 Months
8.50%
▼
APR8.50%
Term60 Months
Last UpdatedNot available
Details
Credit Level: Gold; Credit Score: 730 and Up
Rate History
No change since Sep 16, 2026 · 8.50% APR · checked 3 times
Corner Post Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
566 S Main St, Wilkes Barre, PA, 18701 2102
Signature Loans - UnsecuredTerm: 5 years
8.50%
▼
APR8.50%
Term5 years
Last UpdatedNot available
Details
Published APR range: 8.50% - 17.75%.
Rate History
No change since Sep 16, 2026 · 8.50% APR · checked 5 times
Earning Tree Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
800 Wyoming Ave, Wyoming, PA, 18644
Signature Loan
8.50%
▼
APR8.50%
TermN/A
Last UpdatedNot available
Details
Under $2,000; All loans under $2,000 have a rate of 8.5%; all loan rates listed are APRs
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 9 times
Bva Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
608 Rostraver Rd, Belle Vernon, PA, 15012 1941
Signature LoanTerm: 36 Months
8.50%
▼
APR8.50%
Term36 Months
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 17, 2026 · 8.50% APR · checked 8 times
Pocono Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
206 E Brown St, East Stroudsburg, PA, 18301
Signature LoanTerm: 12 months
8.50%
▼
APR8.50%
Term12 months
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
Blackhawk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
2358 Darlington RD, Beaver Falls, PA, 15010
Signature LoansTerm: 12 Months
8.50%
▼
APR8.50%
Term12 Months
Last UpdatedNot available
Details
Up to $10,000
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 8 times
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1402 Bywood Ave, Upper Darby, PA, 19082
Personal Signature Loan
8.50%
▼
APR8.50%
TermN/A
Last UpdatedNot available
Details
Published APR range: 8.5% - 18.0%.
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
1536 Riverside Dr, S Williamsport, PA, 17702
Signature Loan (Unsecured)Term: Up to 12 months
8.74%
▼
APR8.74%
TermUp to 12 months
Last UpdatedNot available
Details
As Low As; Minimum Loan Amount: $1,000; Rates and payment may change based on credit score
Rate History
No change since Sep 17, 2026 · 8.74% APR · checked 8 times
Ukrainian Selfreliance of Western PA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
700 Washington Ave, Carnegie, PA, 15106
Signature Loans (Unsecured)Term: Up to 60 months
8.74%
▼
APR8.74%
TermUp to 60 months
Last UpdatedNot available
Details
As Low As; Up to $20,000 for qualified borrowers
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 6 times
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
317 Brownsville Rd, Pittsburgh, PA, 15210
Signature - Max LoanTerm: 36 Months
8.75%
▼
APR8.75%
Term36 Months
Last UpdatedNot available
Details
Credit Level: Silver; Credit Score: 729 - 670
Rate History
No change since Sep 16, 2026 · 8.75% APR · checked 3 times
Earning Tree Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
800 Wyoming Ave, Wyoming, PA, 18644
Signature LoansTerm: 36 months
8.90%
▼
APR8.90%
Interest Rate8.90%
Term36 months
Last UpdatedNot available
Details
Dollar limits based on income and credit score; signature loans available after 60 days of membership, no waiting period with credit score 700+
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 9 times
PRR South Fork Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
220 Main St, South Fork, PA, 15956
Signature LoanTerm: 60 Months
8.99%
▼
APR8.99%
Term60 Months
Last UpdatedNot available
Details
$7,500 + Shares
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 5 times
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
1800 W Market St, Pottsville, PA, 17901
Signature Unsecured Loan
8.99%
▼
APR8.99%
TermN/A
Last UpdatedNot available
Details
As Low As; As of September 11, 2025; Non-refundable $25 application fee
Rate History
No change since Sep 12, 2026 · 8.99% APR · checked 8 times
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
17 East Ave, Wellsboro, PA, 16901
Signature/Personal LoanTerm: 24 months
8.99%
▼
APR8.99%
Term24 months
Last UpdatedNot available
Details
As Low As; Fixed-Rate Loans; Terms (Up To) 24 mos.
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 8 times
Susquehanna Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
3850 Hartzdale Dr, Camp Hill, PA, 17011 7809
Signature LoanTerm: Up to 60 Months
8.99%
▼
APR8.99%
TermUp to 60 Months
Last UpdatedNot available
Details
Effective 1-1-2026; APR includes .5% Gold Star Member Discount
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 7 times
Fayette County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
193 Edison St, Uniontown, PA, 15401
Signature LoansTerm: Up to 36 months
8.99%
▼
APR8.99%
Interest Rate8.99%
TermUp to 36 months
Last UpdatedNot available
Details
up to $10,000; Published rate range: 8.99% - 12.99%.
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 5 times
Allentown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
1325 Oxford Dr, Allentown, PA, 18103
Signature LoansTerm: 36 months
8.99%
▼
APR8.99%
Term36 months
Last UpdatedNot available
Details
No additional details available.
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 7 times
PAGODA
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
833 Washington St, Reading, PA, 19601 3658
Signature Individual LoanTerm: 12 Months
8.99%
▼
APR8.99%
Term12 Months
Last UpdatedNot available
Details
$10,000; As low as
Rate History
No change since Oct 6, 2026 · 8.99% APR · checked 2 times
Johnstown School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
738 Viewmont Ave, Johnstown, PA, 15905
Signature LoansTerm: 36 Months
9.00%
▼
APR9.00%
Term36 Months
Last UpdatedNot available
Details
$6,000 maximum
Rate History
No change since Sep 16, 2026 · 9.00% APR · checked 5 times
Fayette Federal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
364 Morgantown St, Uniontown, PA, 15401
Signature Loans
9.00%
▼
APR9.00%
TermN/A
Last UpdatedNot available
Details
$10,000; As Low As
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 9 times
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%
TermN/A
Last UpdatedNot available
Details
As Low As; Annual Percentage Rate; Rates effective as of 1/9/2025; Rates subject to change without notice
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 9 times
Healthcare First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
1152 Franklin St, Johnstown, PA, 15905 4310
Personal Loans - Open End Signature
9.00%
▼
APR9.00%
TermN/A
Last UpdatedNot available
Details
Personal Loans APR*
Rate History
No change since Oct 13, 2026 · 9.00% APR
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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
9.978%
▼ 0.051 vs 7 days ago
Pennsylvania personal loan rates fell 0.051 points over the past 7 days to 9.978% APR.
Signature Loan PA Avg
9.969%
▼ 0.003 vs 7 days ago
Pennsylvania signature loan rates fell 0.003 points over the past 7 days to 9.969% APR.
As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
9.98%
APR, as of Oct 13, 2026
6-Month Forecast
10.06%
Fed hold assumed
12-Month Forecast
10.13%
Range: 9.78% to 10.33%
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.
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What Would Your Monthly Payment Be?
Estimated monthly payments at the current PA average personal loan APR of 9.98%, 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 | $230.67/mo | $161.28/mo | $126.76/mo | $106.18/mo |
| $10,000 | $461.35/mo | $322.57/mo | $253.52/mo | $212.36/mo |
| $15,000 | $692.02/mo | $483.85/mo | $380.28/mo | $318.54/mo |
| $25,000 | $1,153.37/mo | $806.42/mo | $633.80/mo | $530.91/mo |
| $35,000 | $1,614.72/mo | $1,128.99/mo | $887.32/mo | $743.27/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.
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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) | 9.98% | $380.28 | $3,254 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,896 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,431 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $6,023 |
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%
$380/mo
Payment on a $15K / 48-mo Loan
At the PA average 9.98% APR
A $380 monthly loan payment is roughly 9.8% 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 to 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 to 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.
Personal Loans for Bad Credit in Pennsylvania
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Avg. personal loan APR we track: 11.02%Federal credit union cap: 18% APRCredit union PAL cap: 28% APR
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
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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.
Can I get a personal loan with bad credit in Pennsylvania?
Yes. Credit unions, community banks, and some online lenders approve borrowers with fair or poor credit, often for smaller amounts or with a cosigner or collateral. A secured loan backed by your savings or a CD is the easiest approval and also helps rebuild your credit.
What is the maximum APR on a bad credit personal loan from a credit union?
Federal credit unions are limited to 18% APR on most loans through September 10, 2027. Payday alternative loans from federal credit unions are capped at 28% APR with an application fee of no more than $20. State chartered credit unions follow state law, and other lenders can charge much more, so always compare the APR.
What are the best personal loan rates in Pennsylvania?
- Reading Berks School Employees Credit Union: 4.50% (Pledged Share Loan)
- 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 - Special fixed up to 15 months)
- 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: October 13, 2026.
Pennsylvania Rates & Resources
Pennsylvania Mortgage Rates
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