Best Personal Loan Rates in Philadelphia, Pennsylvania -
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Philadelphia, Pennsylvania include: Self Reliance NY Federal Credit UnionSelf Reliance NY Federal Credit Union2307 Brown St, Philadelphia, PA, 19130A+5.0 ★Texas Ratio: 2.08% offering Up to 48 Months Loan at 4.89% APR, Police And Fire Federal Credit UnionPolice And Fire Federal Credit Union901 Arch St, Philadelphia, PA, 19107 2404A+5.0 ★Texas Ratio: 0.61% offering Signature Loans at 4.99% APR, Sun Federal Credit UnionSun Federal Credit Union2800 W Passyunk Ave, Philadelphia, PA, 19145 5206A5.0 ★Texas Ratio: 8.76% offering New (<10K miles) 1-75 month term Loan at 5.24% APR, American Heritage Federal Credit UnionAmerican Heritage Federal Credit Union2060 Red Lion Rd, Philadelphia, PA, 19115 1603A5.0 ★Texas Ratio: 8.82% offering 10 Year Loan at 5.25% APR, and TruMark Financial Credit UnionTruMark Financial Credit Union7350 Large St, Philadelphia, PA, 19152A+5.0 ★Texas Ratio: 3.60% offering 2027 - 2024 Loan at 5.54% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Philadelphia has 15 local institutions in our database, with personal loan rates as low as 4.89% APR from Self Reliance NY Federal Credit Union at 2307 Brown St, Philadelphia, PA, 19130. 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 Philadelphia, Pennsylvania.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Philadelphia, 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
Philadelphia Personal Loan Rates
As Low As
As Low As
No additional details available.
As Low As
As Low As; Bright Auto Loans
No additional details available.
As Low As; Bright Auto Loans
As Low As; Finance up to 110% of the vehicle value
As Low As
As Low As
$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
As Low As
$30; As Low As; Bright Auto Loans
As Low As
As Low As; Used (2020 & Older)
As Low As
As Low As; Finance up to 110% of the vehicle value
As Low As
$30; As Low As; Used (2021-2026)
As Low As
As Low As
As Low As
As Low As; Used (2020 & Older)
As Low As
As Low As
As Low As
Maximum Financed: $8,000. Annual Percentage Rate. No discounts apply. Terms and conditions vary based on creditworthiness and other qualifications and are subject to change. A $8,000, 48 month, at 7% Annual Percentage Rate (APR) will have estimated monthly payments of $192.12
As Low As
As Low As
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
As Low As; Maximum APR: 18.00%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Total rate discounts cannot exceed 1.50%.
No additional details available.
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
As Low As; **Holiday Loan. Rates are subject to change without notice. Rates may vary based on creditworthiness and other factors.
As Low As; *APR is Annual Percentage Rate. Rates are subject to change without notice. Rates may vary based on creditworthiness and other factors.
As Low As; Loan Amount (Minimum): $1,000.00
No additional details available.
No additional details available.
No additional details available.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
No additional details available.
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As Low As
As Low As
As Low As; Loan Amount (Minimum): $3,000.00
Personal Loan Rates; As Low As
As Low As
No additional details available.
No additional details available.
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As Low As; Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly. Not all will qualify for the lowest rate. Not all will be approved. APR is based on evaluation of applicant's credit. Your actual APR may vary.
As Low As; Base rate derived from The Wall Street Journal Prime Rate plus 4%. Other tiers apply. Rate adjusted monthly. Not all will qualify for the lowest rate. Not all will be approved. APR is based on evaluation of applicant's credit. Your actual APR may vary.
No additional details available.
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As Low As
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; Loan Amount (Minimum): $5,000.00
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
50 basis points (0.50%) reduction for payroll deduction. Must be a member for a minimum of 12 months Must provide two pay stubs or review of account to ensure consistent direct deposit from employer.
50 basis points (0.50%) reduction for payroll deduction. Must be a member for a minimum of 6 months. Must provide two pay stubs or review of account to ensure consistent direct deposit from employer. Credit report is not required However, all loans will be reported to the credit bureaus. One PAL (Option 1 or Option 2) loan at a time
$500
$200
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.
Tier 1 (710+)
No additional details available.
No additional details available.
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No additional details available.
As Low As; Minimum Loan Amount: $2,500
No additional details available.
New / Used (2021 - 2026)2
APR4
No additional details available.
No additional details available.
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.
Tier 1 (710+)
No additional details available.
As low as; (based on credit score)
NO Post-secondary educational institutions allowed. Checks made payable to school.
Loan amount up to 100% of"good" market value as listed in Black®Book® CPI publication
Tier 1 (710+)
As Low As; Minimum Loan Amount: $7,500
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.
As low as; Balance Transfers APR*
Used (2020 & older)2
APR4
No additional details available.
No additional details available.
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$3000.00
No additional details available.
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No additional details available.
Tier 2 (680-709)
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.
No additional details available.
No additional details available.
As Low As; Minimum Loan Amount: $15,000
No additional details available.
As Low As
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.
Tier 2 (680-709)
Tier 2 (680-709)
APR4
APR*
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.
Used (2020 & older)2
As Low As
No additional details available.
No additional details available.
APR*
No additional details available.
Maximum Loan $5,000; As Low As
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; Minimum Loan Amount: $25,000
As Low As; Minimum Loan Amount: $2,500
New / Used (2021 - 2026)2
Tier 1 (710+)
As Low As; This rate includes the .25% discount with Auto Pay.
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.
No additional details available.
No additional details available.
Tier 1 (710+)
As Low As; Minimum Loan Amount: $5,000
No additional details available.
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; Minimum Loan Amount: $7,500
No additional details available.
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)2
80% CLTV
As Low As
No additional details available.
As Low As; 6.00%
Borrow up to $2,000.00
No additional details available.
Tier 1 (710+)
Tier 1 (710+)
As Low As
New / Used (2021 - 2026)2
Rate Lock: 120 days
As Low As
As Low As
As Low As; Minimum Loan Amount: $15,000
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
Philadelphia Personal Loan Rates
As Low As
As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.
As Low As; *APR is Annual Percentage Rate. Rates are subject to change without notice. Rates may vary based on creditworthiness and other factors.
As Low As; Loan Amount (Minimum): $1,000.00
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As; Loan Amount (Minimum): $3,000.00
Personal Loan Rates; As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Loan Amount (Minimum): $5,000.00
As Low As
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
Philadelphia Debt Consolidation Loan Rates
As Low As;*
No additional details available.
Philadelphia Signature Loan Rates
No additional details available.
Maximum Financed: $8,000. Annual Percentage Rate. No discounts apply. Terms and conditions vary based on creditworthiness and other qualifications and are subject to change. A $8,000, 48 month, at 7% Annual Percentage Rate (APR) will have estimated monthly payments of $192.12
As Low As; Maximum APR: 18.00%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Total rate discounts cannot exceed 1.50%.
No additional details available.
No additional details available.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
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.
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No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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No additional details available.
up to $2,500.00; As Low As; *
Borrow up to $2,000.00
Philadelphia, PA Personal Loan Rate Trends
Compare local Philadelphia, 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 Philadelphia, 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 Philadelphia, 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 Philadelphia, 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 Philadelphia, Pennsylvania?
What are the best personal loan rates in Philadelphia, Pennsylvania?
- Self Reliance NY Federal Credit Union: 4.89% (Up to 48 Months Loan)
- Police And Fire Federal Credit Union: 4.99% (Signature Loans)
- Sun Federal Credit Union: 5.24% (New (<10K miles) 1-75 month term Loan)
- American Heritage Federal Credit Union: 5.25% (10 Year Loan)
- TruMark Financial Credit Union: 5.54% (2027 - 2024 Loan)
Philadelphia, Pennsylvania Rates & Resources
Personal Loan Calculators
