Best Personal Loan Rates in Johnstown, Pennsylvania - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Johnstown, Pennsylvania include: PRR South Fork Federal Credit UnionPRR South Fork Federal Credit Union307 State St, Johnstown, PA, 15905A+5.0 ★Texas Ratio: 0.56% offering New 2026-2025 Loan at 4.25% APR, G.A.P. Federal Credit UnionG.A.P. Federal Credit Union111 Franklin St Rm 224, Johnstown, PA, 15901A+5.0 ★Texas Ratio: 2.65% offering Sewer Project Loan Special at 5.90% APR, InFirst BankInFirst Bank1420 Scalp Ave, Johnstown, PA, 15904A+5.0 ★Texas Ratio: 5.81% offering 5 Year Land Loan at 6.76% APR, Johnstown School Employees Federal Credit UnionJohnstown School Employees Federal Credit Union738 Viewmont Ave, Johnstown, PA, 15905A+5.0 ★Texas Ratio: 3.74% offering Signature Loans at 9.00% APR, and Franklin Johnstown Federal Credit UnionFranklin Johnstown Federal Credit Union310 Bloomfield St, Johnstown, PA, 15904 3202A+5.0 ★Texas Ratio: 1.02% offering Signature / Personal Loans at 9.75% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Johnstown has 5 local institutions in our database, with personal loan rates as low as 4.25% APR from PRR South Fork Federal Credit Union at 307 State St, Johnstown, PA, 15905. 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 Johnstown, Pennsylvania.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Johnstown, 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
Johnstown Personal Loan Rates
No additional details available.
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Maximum loan amount $7,000; No pledge required; Payments will be made directly to the contractor; Must provide contract/bill of sale.*
No additional details available.
No additional details available.
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No additional details available.
No additional details available.
No additional details available.
Must be a homeowner and provide proof of homeowners insurance.*; A standard 5% pledge is required until paid in full
$7,500 + Shares
No additional details available.
As Low As; Credit Grade "A" (680+)
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
No additional details available.
As Low As; Credit Grade "B" (640-679)
No additional details available.
As Low As; Credit Grade "C" (600-639)
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Credit Grade "D" (550-599)
Maximum loan amount: $1,000; 5% pledge; $20 application fee.
Maximum loan amount: $500; 5% pledge; $20 application fee.
As Low As; Credit Grade "E" (-549)
As low as; APR is Annual Percentage Rate. Click for details.
No additional details available.
New / Used (2021 - 2026)2
APR4
APR*
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Tier 1 (710+)
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Minimum Loan Amount: $2,500
No additional details available.
New / Used (2021 - 2026)2
APR4
Adjustment to Index: Prime - 1.0%
No additional details available.
As Low As; Minimum Loan Amount: $5,000
No additional details available.
No additional details available.
No additional details available.
As Low As
Tier 1 (710+)
Loan amount up to 100% of"good" market value as listed in Black®Book® CPI publication
Tier 1 (710+)
As low as; (based on credit score)
NO Post-secondary educational institutions allowed. Checks made payable to school.
No additional details available.
No additional details available.
If you refinanced your auto loan that is financed somewhere else. Note: $108.00 PA Department of Motor Vehicles titling fee applies this loan.
No additional details available.
As Low As; Minimum Loan Amount: $7,500
As Low As
As low as; Balance Transfers APR*
Used (2020 & older)2
APR4
No additional details available.
No additional details available.
No additional details available.
No additional details available.
$3000.00
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
Tier 2 (680-709)
No additional details available.
No additional details available.
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; Minimum Loan Amount: $15,000
No additional details available.
As Low As; Bright Auto Loans
No additional details available.
As Low As
No additional details available.
Tier 1 (710+)
No additional details available.
No additional details available.
No additional details available.
Tier 1 (710+)
No additional details available.
No additional details available.
APR4
Used (2020 & older)2
As Low As; Bright Auto Loans
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.
APR*
Tier 2 (680-709)
Tier 2 (680-709)
Maximum Loan $5,000; As Low As
No additional details available.
No additional details available.
As Low As
APR*
No additional details available.
No additional details available.
As Low As
As Low As; Finance up to 110% of the vehicle value
No additional details available.
No additional details available.
No additional details available.
As Low As; Minimum Loan Amount: $25,000
No additional details available.
As Low As
No additional details available.
As Low As; Minimum Loan Amount: $2,500
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
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.
As Low As; This rate includes the .25% discount with Auto Pay.
Tier 1 (710+)
As Low As; Minimum Loan Amount: $5,000
As Low As
As Low As
No additional details available.
Tier 2 (680-709)
As Low As
As Low As; Minimum Loan Amount: $7,500
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; 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; Your rate will be determined by your credit score at the time of application. Available 5/1/2026-9/1/2026.
No additional details available.
As Low As
$30; As Low As; Bright Auto Loans
As Low As
Used (2020 & older)2
As Low As; Used (2020 & Older)
As Low As; 6.00%
Borrow up to $2,000.00
No additional details available.
80% CLTV
As Low As
As Low As
No additional details available.
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
As Low As
As Low As; This rate includes the .25% discount with Auto Pay.
$30; As Low As; Used (2021-2026)
As Low As; Minimum Loan Amount: $15,000
As Low As
As Low As
80% CLTV
80% CLTV
Adjustment to Index: Prime - 0.5%
Credit Level: Gold
Tier 2 (680-709)
Rate Lock: 120 days
Johnstown Personal Loan Rates
No additional details available.
No additional details available.
No additional details available.
As Low As; Credit Grade "A" (680+)
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
As Low As; Credit Grade "B" (640-679)
As Low As; Credit Grade "C" (600-639)
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Credit Grade "D" (550-599)
As Low As; Credit Grade "E" (-549)
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
As Low As
Johnstown Debt Consolidation Loan Rates
As Low As;*
No additional details available.
Johnstown Signature Loan Rates
$7,500 + Shares
No additional details available.
As Low As; Credit Grade "A" (680+)
No additional details available.
As Low As; Credit Grade "B" (640-679)
No additional details available.
As Low As; Credit Grade "C" (600-639)
As Low As; Credit Grade "D" (550-599)
As Low As; Credit Grade "E" (-549)
No additional details available.
No additional details available.
up to $2,500.00; As Low As; *
Borrow up to $2,000.00
Johnstown, PA Personal Loan Rate Trends
Compare local Johnstown, 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 Johnstown, 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 Johnstown, 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 Johnstown, 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 Johnstown, Pennsylvania?
What are the best personal loan rates in Johnstown, Pennsylvania?
- PRR South Fork Federal Credit Union: 4.25% (New 2026-2025 Loan)
- G.A.P. Federal Credit Union: 5.90% (Sewer Project Loan Special)
- InFirst Bank: 6.76% (5 Year Land Loan)
- Johnstown School Employees Federal Credit Union: 9.00% (Signature Loans)
- Franklin Johnstown Federal Credit Union: 9.75% (Signature / Personal Loans)
Johnstown, Pennsylvania Rates & Resources
Personal Loan Calculators
