Best Personal Loan Rates in Erie, Pennsylvania - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Erie, Pennsylvania include: Erie Federal Credit UnionErie Federal Credit Union3503 Peach St, Erie, PA, 16508A+5.0 ★Texas Ratio: 3.39% offering 0 - 24 Months Loan at 4.44% APR, Tendto Credit UnionTendto Credit Union1129 State St, Erie, PA, 16501 1911A+5.0 ★Texas Ratio: 3.74% offering New 2026 Loan at 4.49% APR, Saint Vincent Erie Federal Credit UnionSaint Vincent Erie Federal Credit Union2314 Sassafras St Ste 100, Erie, PA, 16502A+5.0 ★Texas Ratio: 1.69% offering k - 12 Grades only Loan at 4.99% APR, Locomotive And Control Employees Federal Credit UnionLocomotive And Control Employees Federal Credit Union1286 E 38th St, Erie, PA, 16504 3039A+5.0 ★Texas Ratio: 0.46% offering Signature Loan special at 6.00% APR, and Widget Financial Credit UnionWidget Financial Credit Union2154 E Lake Rd, Erie, PA, 16511 1140A+5.0 ★Texas Ratio: 2.40% offering Personal Loan at 7.24% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Erie has 5 local institutions in our database, with personal loan rates as low as 4.44% APR from Erie Federal Credit Union at 3503 Peach St, Erie, PA, 16508. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Erie, Pennsylvania.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Erie, 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: July 6, 2026
Erie Personal Loan Rates
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As Low As; Minimum Loan Amount: $2,500
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As Low As; Minimum Loan Amount: $5,000
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NO Post-secondary educational institutions allowed. Checks made payable to school.
As Low As; Minimum Loan Amount: $7,500
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As Low As; Minimum Loan Amount: $15,000
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As Low As; Minimum Loan Amount: $25,000
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As Low As; Minimum Loan Amount: $2,500
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As Low As; Minimum Loan Amount: $5,000
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As Low As; Minimum Loan Amount: $7,500
Borrow up to $2,000.00
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As Low As
As Low As
As Low As; Minimum Loan Amount: $15,000
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As Low As; Rates effective July 6, 2026
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As Low As; Minimum Loan Amount: $2,500
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As Low As; Minimum Loan Amount: $5,000
As Low As
As Low As
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As Low As; Minimum Loan Amount: $7,500
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
As Low As; Minimum Loan Amount: $15,000
No additional details available.
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As Low As
As Low As
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
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APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
As Low As
As Low As
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APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
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As Low As
As Low As
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
No additional details available.
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As low as; APR is Annual Percentage Rate. Click for details.
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New / Used (2021 - 2026)2
APR4
APR*
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Tier 1 (710+)
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New / Used (2021 - 2026)2
APR4
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Adjustment to Index: Prime - 1.0%
As Low As
Tier 1 (710+)
Tier 1 (710+)
As low as; (based on credit score)
No additional details available.
Loan amount up to 100% of"good" market value as listed in Black®Book® CPI publication
If you refinanced your auto loan that is financed somewhere else. Note: $108.00 PA Department of Motor Vehicles titling fee applies this loan.
As Low As
As low as; Balance Transfers APR*
Used (2020 & older)2
APR4
$3000.00
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Tier 2 (680-709)
As Low As
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As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
As Low As; Bright Auto Loans
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As Low As
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Tier 1 (710+)
Tier 1 (710+)
No additional details available.
No additional details available.
APR*
Tier 2 (680-709)
Tier 2 (680-709)
Used (2020 & older)2
As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
As Low As; Bright Auto Loans
APR4
As Low As
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APR*
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Maximum Loan $5,000; As Low As
As Low As
As Low As; Finance up to 110% of the vehicle value
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As Low As
New / Used (2021 - 2026)2
Tier 1 (710+)
$30; As Low As; Bright Auto Loans
As Low As; Used (2021-2026)
As Low As; Finance up to 110% of the vehicle value
As Low As*; Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.
As Low As; This rate includes the .25% discount with Auto Pay.
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As Low As
Tier 1 (710+)
As Low As
As Low As
Tier 2 (680-709)
Maximum loan amount $7,000; No pledge required; Payments will be made directly to the contractor; Must provide contract/bill of sale.*
As Low As; Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light CheckingTM) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.
As Low As; $2,000 maximum. New loan only - no refinance
up to $2,500.00; As Low As; *
As Low As
As Low As
As Low As; Your rate will be determined by your credit score at the time of application. Available 5/1/2026-9/1/2026.
As Low As; Used (2020 & Older)
As Low As
$30; As Low As; Bright Auto Loans
As Low As
Used (2020 & older)2
80% CLTV
As Low As
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As Low As; 6.00%
As Low As
Tier 1 (710+)
Tier 1 (710+)
As Low As; Finance up to 110% of the vehicle value
As Low As
New / Used (2021 - 2026)2
As Low As
Rate Lock: 120 days
$30; As Low As; Used (2021-2026)
As Low As
As Low As; This rate includes the .25% discount with Auto Pay.
80% CLTV
80% CLTV
Adjustment to Index: Prime - 0.5%
Credit Level: Gold
Tier 2 (680-709)
Rate Lock: 120 days
Erie Personal Loan Rates
As Low As
As Low As
No additional details available.
As Low As; Rates effective July 6, 2026
As Low As
As Low As
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
No additional details available.
As Low As
As Low As
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
No additional details available.
No additional details available.
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
As Low As
As Low As
No additional details available.
No additional details available.
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
No additional details available.
As Low As
As Low As
APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
No additional details available.
No additional details available.
As Low As*; Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.
Erie Debt Consolidation Loan Rates
As Low As;*
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Erie Signature Loan Rates
Borrow up to $2,000.00
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up to $2,500.00; As Low As; *
Erie, PA Personal Loan Rate Trends
Compare local Erie, PA 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.
Pennsylvania personal loan rates currently average 10.379% APR.
Pennsylvania signature loan rates currently average 10.803% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Erie, 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 Erie, 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 Erie, Pennsylvania. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in PA.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Pennsylvania?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Pennsylvania?
Are credit unions or banks better for personal loans in Erie, Pennsylvania?
What are the best personal loan rates in Erie, Pennsylvania?
- Erie Federal Credit Union: 4.44% (0 - 24 Months Loan)
- Tendto Credit Union: 4.49% (New 2026 Loan)
- Saint Vincent Erie Federal Credit Union: 4.99% (k - 12 Grades only Loan)
- Locomotive And Control Employees Federal Credit Union: 6.00% (Signature Loan special)
- Widget Financial Credit Union: 7.24% (Personal Loan)
Personal Loan Calculators
