Best Personal Loan Rates in York, Pennsylvania (PA) - April 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 York, Pennsylvania include: Citizens BankCitizens Bank2990 E Market St, York, PA, 17402A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union2010 Pennsylvania Ave, York, PA, 17404 1791A+5.0 ★Texas Ratio: 5.69% offering 5 Year Equity Loan-to-Value up to 80% at 5.94% APR, Northwest Bank Warren, PANorthwest Bank Warren, PA3649 E Market St, York, PA, 17402A+5.0 ★Texas Ratio: 5.33% offering Equipment Term Loans at 5.99% APR, York Educational Federal Credit UnionYork Educational Federal Credit Union1601 S Queen St, York, PA, 17403 4630A+5.0 ★Texas Ratio: 0.07% offering Personal Loans at 6.50% APR, and Orrstown BankOrrstown Bank109 Leaders Heights Rd, York, PA, 17403A5.0 ★Texas Ratio: 8.61% offering Improved Lot/Land Loan at 7.10% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
York has 11 local institutions in our database, with personal loan rates as low as 5.45% APR from Citizens Bank at 2990 E Market St, York, PA, 17402. 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 York, Pennsylvania.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in York, 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: April 6, 2026
Fixed rates
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
As Low As
Offer valid on equipment term loans only. No lines of credit. Offer expires 4/15/2026. No refinancing of Northwest exisiting debt. SBA Loans and business credit cards are not eligible for promotional offer. All standard rates and terms apply. See bank for detials.
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No additional details available.
No additional details available.
No additional details available.
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As Low As; All rates are based on "A+" credit and requires autopay.
As Low As; Loan amount must be greater than $10,000. All rates are based on "A+" credit and requires autopay.
As Low As; Loan amount must be greater than $15,000. All rates are based on "A+" credit and requires autopay.
As Low As
Fixed rates
As Low As; Based upon individual credit score and term
As Low As; Based upon individual credit score and term
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Variable rates
As Low As
No additional details available.
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No additional details available.
No additional details available.
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As Low As
up to $10,000.00
$10,000
As Low As
No additional details available.
$50,000
$10,000
No additional details available.
$50,000
3% over CD APR
$10,000
UP TO 72 MONTHS
up to $10,000.00
Payment example per $1,000 borrowed for 36 months at 4.50% APR = $29.75
$10,000
up to $10,000.00
No additional details available.
No additional details available.
As Low As; Up to 10 Years
As Low As; To Fund an IRA
$50,000
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No additional details available.
As Low As
No additional details available.
up to 12 months
As Low As; Maximum Loan $5,000
As Low As; up to $3,000 for 12 months
$10,000
$50,000
As Low As
As Low As; Proof of Income is required.
As Low As
As Low As; Consolidate up to $25,000 for as low as 5.75% APR with a Co-maker
As Low As
No additional details available.
No additional details available.
$10,000
As Low As; Debt Consolidation Loan rates start as low as 5.95% APR and will only be offered for a limited time
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As Low As
up to $2,500.00; As Low As
90% of home value less encumbrances/liens
As Low As; $2,000 maximum. New loan only - no refinance
As Low As
No additional details available.
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No additional details available.
No additional details available.
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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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As Low As; Funds must be payable to Tax Collector, State, or Federal.
As Low As
As Low As; w/ Auto Pay Discount
As Low As
Limit up to $10,000.00
As Low As
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As Low As
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.
No additional details available.
up to $75,000
As Low As
Up to 75 % approved stocks
up to $5,000.00
for well qualified borrowers
As Low As; Special fixed up to 15 months!
As Low As; Rates as low as 5.625% (6.508% APR)
As Low As
Minimum $200.00 Maximum $1000.00 Ages 16-17 with co-signer
No additional details available.
90% of home value less encumbrances/liens
No additional details available.
Maximum $49,999.99; Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
PRD/ACH 8.00% CASH (Eligible with up to 4 impediments)
8.00% CASH (Eligible with up to 4 impediments)
As Low As
Special Rate for First-time Borrowers
Up to $4,000
As Low As
$7,500.00
As Low As
No additional details available.
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No additional details available.
No additional details available.
No additional details available.
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No additional details available.
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As Low As; Rates based on credit worthiness, term and other conditions. 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.
As Low As; w/ Auto Pay Discount
60 month
No additional details available.
No additional details available.
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As Low As
No additional details available.
Maximum $49,999.99; 15 year minimum is $20,000.00; Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
As Low As; Fixed up to 36 months
As Low As
As Low As; Rates based on credit worthiness, term and other conditions. APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
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No additional details available.
Max Amount: $12,500
No additional details available.
Maximum $30,000.00
As Low As; Advertised Annual Percentage Rate accurate as of 7/22/2025 and are subject to change without notice. 7.89% APR available to qualified borrowers: 1). Requesting a minimum loan amount of $7,500; 2) With a bank-obtained credit score of at least 740; 3). Who have an eligible CBNA checking account (Includes: CBNA Carefree Checking, Premium Checking, or 50 Direct Checking); AND 4). With autopay from an eligible CBNA checking account. Maximum Loan Term is 60 months. Minimum Period for Repayment: 12 Months. Credit scores below 740 can range up to a maximum APR of 16.00% (rate without eligible CBNA checking account discount and without autopay discount). No origination fee, No Pre-payment penalty fee. For example, a 60-month $15,000 unsecured loan with an 7.89% interest rate would have 60 scheduled monthly payments of approximately $303.37.Other terms and conditions may apply. Call for details.
No additional details available.
As Low As
As Low As
PRD/ACH 9.95% CASH (Eligible with up to 4 impediments)
As Low As
730+ FICO
Min. $1,000.00 / Max. $10,000.00
9.95% CASH (Eligible with up to 4 impediments
No additional details available.
No additional details available.
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
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As Low As; ...
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No additional details available.
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No additional details available.
No additional details available.
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As Low As; w/ Auto Pay Discount
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up to $75,000
No additional details available.
As Low As
up to $5,000.00
As Low As; Special fixed up to 15 months!
No additional details available.
As Low As
Special Rate for First-time Borrowers
Up to $4,000
As Low As
No additional details available.
No additional details available.
As Low As
As Low As; Rates based on credit worthiness, term and other conditions. APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
As Low As
No additional details available.
As Low As; w/ Auto Pay Discount
As Low As
60 month
No additional details available.
As Low As
No additional details available.
As Low As; Fixed up to 36 months
As Low As
As Low As; Rates based on credit worthiness, term and other conditions. APR shown includes relationship discount when you have e-statements and automatic payments from your account here.
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As Low As
No additional details available.
Max Amount: $12,500
As Low As; Advertised Annual Percentage Rate accurate as of 7/22/2025 and are subject to change without notice. 7.89% APR available to qualified borrowers: 1). Requesting a minimum loan amount of $7,500; 2) With a bank-obtained credit score of at least 740; 3). Who have an eligible CBNA checking account (Includes: CBNA Carefree Checking, Premium Checking, or 50 Direct Checking); AND 4). With autopay from an eligible CBNA checking account. Maximum Loan Term is 60 months. Minimum Period for Repayment: 12 Months. Credit scores below 740 can range up to a maximum APR of 16.00% (rate without eligible CBNA checking account discount and without autopay discount). No origination fee, No Pre-payment penalty fee. For example, a 60-month $15,000 unsecured loan with an 7.89% interest rate would have 60 scheduled monthly payments of approximately $303.37.Other terms and conditions may apply. Call for details.
730+ FICO
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
As Low As; ...
As Low As; Consolidate up to $25,000 for as low as 5.75% APR with a Co-maker
As Low As; Debt Consolidation Loan rates start as low as 5.95% APR and will only be offered for a limited time
As Low As; * For Qualified Buyer
No additional details available.
As Low As
As Low As
As Low As
As Low As; All rates are based on "A+" credit and requires autopay.
As Low As; Loan amount must be greater than $10,000. All rates are based on "A+" credit and requires autopay.
As Low As; Loan amount must be greater than $15,000. All rates are based on "A+" credit and requires autopay.
As Low As; Based upon individual credit score and term
As Low As; Based upon individual credit score and term
As Low As
up to $2,500.00; As Low As
No additional details available.
Maximum $49,999.99; Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
As Low As
Maximum $49,999.99; Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
As Low As
As Low As
Maximum $49,999.99; 15 year minimum is $20,000.00; Available to: Parishes of the PNCC and non-profit associations and organizations associated with the Polish National Alliance
No additional details available.
No additional details available.
York, PA Personal Loan Rate Trends
Compare local York, 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 0.038 points over the past 7 days to 10.372% APR.
Pennsylvania signature loan rates fell 0.822 points over the past 7 days to 11.292% APR.
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 York, Pennsylvania?
What are the best personal loan rates in York, Pennsylvania?
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
- Pennsylvania State Employees Credit Union: 5.94% (5 Year Equity Loan-to-Value up to 80%)
- Northwest Bank Warren, PA: 5.99% (Equipment Term Loans)
- York Educational Federal Credit Union: 6.50% (Personal Loans)
- Orrstown Bank: 7.10% (Improved Lot/Land Loan)
Personal Loan Calculators
