Best Personal Loan Rates in Vermont (VT) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Vermont include: TrustCo BankTrustCo Bank215 North St, Bennington, VT, 05201A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Vermont Federal Credit UnionVermont Federal Credit Union84 Pine St, Burlington, VT, 05401 4441A+5.0 ★Texas Ratio: 3.31% offering Consumer Loans at 4.40% APR, Northfield Savings BankNorthfield Savings Bank33 S Main St, Northfield, VT, 05663A+5.0 ★Texas Ratio: 4.01% offering Energy Improvement at 6.75% APR, First National Bank of OrwellFirst National Bank of Orwell441 Main St, Orwell, VT, 05760A5.0 ★Texas Ratio: 10.15% offering 5 Year Balloon Loan at 7.31% APR, and Community BankCommunity Bank97 Main St, Fair Haven, VT, 05743A+5.0 ★Texas Ratio: 3.23% offering Unsecured Personal loan at 7.49% APR. Personal loan rates as of May 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Vermont side-by-side. Vermont personal loan rates currently start as low as 4.00% APR from TrustCo Bank at 215 North St, Bennington, VT, 05201. 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 Vermont.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Vermont. 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 21, 2026
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Vermont Personal Loan Rate Trends
Compare local Vermont 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.
Vermont personal loan rates rose 0.746 points over the past 7 days to 9.951% APR.
Vermont signature loan rates fell 0.034 points over the past 7 days to 11.019% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Vermont 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 Vermont 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 Vermont. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in VT.
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 Vermont?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Vermont?
Are credit unions or banks better for personal loans in Vermont?
What are the best personal loan rates in Vermont?
- TrustCo Bank: 4.00% (Passbook Loan)
- Vermont Federal Credit Union: 4.40% (Consumer Loans)
- Northfield Savings Bank: 6.75% (Energy Improvement)
- First National Bank of Orwell: 7.31% (5 Year Balloon Loan)
- Community Bank: 7.49% (Unsecured Personal loan)
