Best Personal Loan Rates in Philadelphia, Pennsylvania (PA) - May 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 Philadelphia, Pennsylvania include: ADVANTAGE FINANCIALADVANTAGE FINANCIAL5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144A5.0 ★Texas Ratio: 7.37% offering Balance Transfers Loan at 3.99% 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 5.38% 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 5.49% APR, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union12901 Townsend Rd, Philadelphia, PA, 19154 1021A+5.0 ★Texas Ratio: 5.00% offering Real Estate Equity Loans 5 Year Equity Loan-to-Value up to 80% at 5.69% APR, and TruMark Financial Credit UnionTruMark Financial Credit Union7350 Large St, Philadelphia, PA, 19152A+5.0 ★Texas Ratio: 3.60% offering First Credit Loan at 6.25% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Philadelphia has 18 local institutions in our database, with personal loan rates as low as 3.99% APR from ADVANTAGE FINANCIAL at 5000 WISSAHICKON AVE, PHILADELPHIA, PA, 19144. 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: May 23, 2026
Philadelphia Personal Loan Rates
Lock in 3.99% on balance transfers.
No additional details available.
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As Low As; Rates "as low as" 8.99% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 8.99%. Maximum APR is 17.99%. Unsecured loan amounts available from $1,000 to $20,000. Minimum term is 3 months. Maximum term is 84 months.
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As Low As; Rates as of 04/10/26; subject to change.
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$10,000 - $50,000
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As Low As; Personal Loan Rates
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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.
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$100 - $9,999
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$20,000 or more
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As Low As; as low as WSJ Prime^ + 3.49%
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As Low As; variable rate of Wall Street Prime + Margin
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As Low As; as low as WSJ Prime^ + 5.49%
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As Low As; as low as WSJ Prime^ + 7.49%
Qualifications Required: 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; Application Fee - $20.00
Qualifications Required: 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; Application Fee- $20.00
$500
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$10,000
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$50,000
$10,000
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Fair Isaac Risk Score 725-850
$50,000
$10,000
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Fair Isaac Risk Score 690-724
Fair Isaac Risk Score 725-850
$10,000
Fair Isaac Risk Score: 725-850
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If you refinanced your auto loan that is financed somewhere else. Note: $108.00 PA Department of Motor Vehicles titling fee applies this loan.
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Intro rate expires: 6 months; Regular APR: 11.65%
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Fair Isaac Risk Score 725-850
Fair Isaac Risk Score 690-724
Fair Isaac Risk Score 650-689
Fair Isaac Risk Score: 725-850
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As Low As; Maximum Loan $5,000
Fair Isaac Risk Score: 690-724
Fair Isaac Risk Score 725-850
Fair Isaac Risk Score 690-724
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Fair Isaac Risk Score: 725-850
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As Low As; Additional amounts available. Amount, rate & term based on approved credit.
up to $2,500.00; As Low As
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As Low As; Your rate will be determined by your credit score at the time of application. Available 5/1/2026-9/1/2026.
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As Low As; $2,000 maximum. New loan only - no refinance
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Fair Isaac Risk Score 650-689
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Maximum $49,999.99 Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
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Fair Isaac Risk Score: 650-689
Fair Isaac Risk Score: 725-850
Fair Isaac Risk Score: 690-724
Fair Isaac Risk Score: 650-689
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As Low As; With terms up to 84 Months Max amount financed is 80% *This rate includes the .25% discount.
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up to $75,000
As Low As; *Annual Percentage Rate (APR) is current as of publication date. Terms and conditions may vary based on qualifications and collateral. This offer may be modified or discontinued without prior notice.
up to $5,000.00 for 48 months; Maximum of one (1) per member
Up to 75 % approved stocks
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Fair Isaac Risk Score 725-850
Fair Isaac Risk Score 690-724
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Minimum $200.00 Maximum $1000.00 Ages 16-17 with co-signer
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Fair Isaac Risk Score: 725-850
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Maximum $49,999.99 Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
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8.00% CASH (Eligible with up to 4 impediments)
Special Rate for First-time Borrowers
Up to $4,000
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Special rates valid until 07/31/26
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Fair Isaac Risk Score 650-689
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Fair Isaac Risk Score 625-649
Fair Isaac Risk Score: 690-724
Fair Isaac Risk Score: 650-689
Fair Isaac Risk Score: 625-649
Philadelphia Personal Loan Rates
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As Low As; Rates "as low as" 8.99% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 8.99%. Maximum APR is 17.99%. Unsecured loan amounts available from $1,000 to $20,000. Minimum term is 3 months. Maximum term is 84 months.
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$10,000 - $50,000
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$100 - $9,999
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$20,000 or more
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Intro rate expires: 6 months; Regular APR: 11.65%
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up to $75,000
up to $5,000.00 for 48 months; Maximum of one (1) per member
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Special Rate for First-time Borrowers
Up to $4,000
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Philadelphia Debt Consolidation Loan Rates
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Philadelphia Signature Loan Rates
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Maximum $49,999.99 Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
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Maximum $49,999.99 Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
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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 rose 0.174 points over the past 7 days to 10.440% APR.
Pennsylvania signature loan rates fell 0.720 points over the past 7 days to 10.507% 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?
- ADVANTAGE FINANCIAL: 3.99% (Balance Transfers Loan)
- American Heritage Federal Credit Union: 5.38% (10 Year Loan)
- Sun Federal Credit Union: 5.49% (New (<10K miles) 1-75 month term Loan)
- Pennsylvania State Employees Credit Union: 5.69% (Real Estate Equity Loans 5 Year Equity Loan-to-Value up to 80%)
- TruMark Financial Credit Union: 6.25% (First Credit Loan)
Philadelphia, Pennsylvania Rates & Resources
Personal Loan Calculators
