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Best Personal Loan Rates in Wells, Vermont (VT) - April 2026

Current personal loan options available to borrowers in Wells, Vermont include: Green Mountain Credit UnionGreen Mountain Credit UnionC4.0 ★Texas Ratio: 27.55% offering Renewable Energy Loan at 3.99% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Vermont Federal Credit UnionVermont Federal Credit UnionA+5.0 ★Texas Ratio: 3.42% offering Consumer Loans at 4.40% APR, Northfield Savings BankNorthfield Savings BankA+5.0 ★Texas Ratio: 4.01% offering Credit builder Personal Loan at 5.50% APR, and Members 1st Credit Union Brattleboro, VTMembers 1st Credit Union Brattleboro, VTA+5.0 ★Texas Ratio: 5.44% offering SOLAR PANEL LOANS at 5.99% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.

Wells borrowers have access to 12 lenders serving the Vermont area, with personal loan rates as low as 3.99% APR from Green Mountain Credit Union. 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 Wells, Vermont.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Wells, 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: April 11, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
Renewable Energy Loan
3.99%
APR3.99%
Last UpdatedApril 12, 2026
Details

A++

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Passbook Loan
4.00%
APR4.00%
Last UpdatedApril 12, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
4.40%
APR4.40%
Last UpdatedApril 12, 2026
Details

Up to 10 model years old

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
Renewable Energy Loan
4.49%
APR4.49%
Last UpdatedApril 12, 2026
Details

A+

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
4.55%
APR4.55%
Last UpdatedApril 12, 2026
Details

Up to 10 model years old

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
4.85%
APR4.85%
Last UpdatedApril 12, 2026
Details

Up to 5 model years old

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
Renewable Energy Loan
4.99%
APR4.99%
Last UpdatedApril 12, 2026
Details

A

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
5.00%
APR5.00%
Last UpdatedApril 12, 2026
Details

Up to 4 model years old

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
Renewable Energy Loan
5.49%
APR5.49%
Last UpdatedApril 12, 2026
Details

B

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
5.50%
APR5.50%
Last UpdatedApril 12, 2026
Details

Up to 3 model years old ((Minimum $15K)

Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
Credit builder Personal Loan
5.50%
APR5.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Solar Loan
5.90%
APR5.90%
Last UpdatedApril 12, 2026
Details

No additional details available.

Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
SOLAR PANEL LOANS
5.99%
APR5.99%
Last UpdatedApril 12, 2026
Details

No additional details available.

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
Renewable Energy Loan
5.99%
APR5.99%
Last UpdatedApril 12, 2026
Details

C

Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
FUEL LOANS
5.99%
APR5.99%
Last UpdatedApril 12, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
6.00%
APR6.00%
Last UpdatedApril 12, 2026
Details

Up to 2 model years old (Minimum $25K)

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Credit Builder Loan
6.00%
APR6.00%
Last UpdatedApril 12, 2026
Details

No additional details available.

Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
Energy Improvement Personal Loan
6.75%
APR6.75%
Last UpdatedApril 12, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Solar Loan
6.90%
APR6.90%
Last UpdatedApril 12, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
7.24%
APR7.24%
Last UpdatedApril 12, 2026
Details

New Only (Min $35K)

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
10 Year Fixed Land Loan
7.37%
APR7.37%
Last UpdatedApril 12, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Personal Loan (0-12 Month Term)
7.50%
APR7.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Loan
7.84%
APR7.84%
Last UpdatedApril 12, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Unspecified Loan
7.84%
APR7.84%
Last UpdatedApril 12, 2026
Details

As Low As

Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Unsecured Personal loan
7.89%
APR7.89%
Last UpdatedApril 12, 2026
Details

FIXED APR WITH AUTO PAY

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
Tax Loans (tax payment/real estate)
7.99%
APR7.99%
Last UpdatedApril 12, 2026
Details

No additional details available.

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Loan
8.09%
APR8.09%
Last UpdatedApril 12, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Unspecified Loan
8.09%
APR8.09%
Last UpdatedApril 12, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Loan
8.59%
APR8.59%
Last UpdatedApril 12, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Unspecified Loan
8.59%
APR8.59%
Last UpdatedApril 12, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Heating Fuel Loan
8.90%
APR8.90%
Last UpdatedApril 12, 2026
Details

As Low As

Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
FURNACE LOANS
8.99%
APR8.99%
Last UpdatedApril 12, 2026
Details

No additional details available.

Central Vermont Medical Centerinc CU
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
PERSONAL/SIGNATURE
9.00%
APR9.00%
Last UpdatedApril 12, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Loan
9.09%
APR9.09%
Last UpdatedApril 12, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Unspecified Loan
9.09%
APR9.09%
Last UpdatedApril 12, 2026
Details

As Low As

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Personal Loan (13-36 Month Term)
9.50%
APR9.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Other Loan Options
9.50%
APR9.50%
Last UpdatedApril 12, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Property Tax Loan
9.99%
APR9.99%
Last UpdatedApril 12, 2026
Details

No additional details available.

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
Debt Consolidation Loans
10.49%
APR10.49%
Last UpdatedApril 12, 2026
Details

No additional details available.

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
Signature Loan
10.50%
APR10.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loans
10.50%
APR10.50%
Last UpdatedApril 12, 2026
Details

As Low As

802 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Personal/Signature
10.74%
APR10.74%
Last UpdatedApril 12, 2026
Details

As Low As

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Personal Loan (37-60 Month Term)
10.75%
APR10.75%
Last UpdatedApril 12, 2026
Details

No additional details available.

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Other Loan Options
10.75%
APR10.75%
Last UpdatedApril 12, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Signature Loan
10.94%
APR10.94%
Last UpdatedApril 12, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Personal Loan Unsecured
11.50%
APR11.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
12/12/12 LOANS
12.00%
APR12.00%
Last UpdatedApril 12, 2026
Details

MAX LOAN $1,200.00

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Personal Loan Unsecured
12.50%
APR12.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Debt Consolidation Loan
14.50%
APR14.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

Members 1st Credit Union Brattleboro, VT
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
PERSONAL UNSECURED
15.00%
APR15.00%
Last UpdatedApril 12, 2026
Details

INSTALLMENT

Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
Unsecured Personal Loan
16.00%
APR16.00%
Last UpdatedApril 12, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
Credit builder Personal Loan
5.50%
APR5.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
Energy Improvement Personal Loan
6.75%
APR6.75%
Last UpdatedApril 12, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Personal Loan (0-12 Month Term)
7.50%
APR7.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
Unsecured Personal loan
7.89%
APR7.89%
Last UpdatedApril 12, 2026
Details

FIXED APR WITH AUTO PAY

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Personal Loan (13-36 Month Term)
9.50%
APR9.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loans
10.50%
APR10.50%
Last UpdatedApril 12, 2026
Details

As Low As

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Personal Loan (37-60 Month Term)
10.75%
APR10.75%
Last UpdatedApril 12, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Personal Loan Unsecured
11.50%
APR11.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Personal Loan Unsecured
12.50%
APR12.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
Unsecured Personal Loan
16.00%
APR16.00%
Last UpdatedApril 12, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
Debt Consolidation Loans
10.49%
APR10.49%
Last UpdatedApril 12, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Debt Consolidation Loan
14.50%
APR14.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Central Vermont Medical Centerinc CU
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
PERSONAL/SIGNATURE
9.00%
APR9.00%
Last UpdatedApril 12, 2026
Details

As Low As

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
Signature Loan
10.50%
APR10.50%
Last UpdatedApril 12, 2026
Details

No additional details available.

802 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Personal/Signature
10.74%
APR10.74%
Last UpdatedApril 12, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Signature Loan
10.94%
APR10.94%
Last UpdatedApril 12, 2026
Details

As Low As

No home improvement personal loan rates found in Wells, VT currently.

Wells, VT Personal Loan Rate Trends

Compare local Wells, VT 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.

View Full Vermont Personal Loan Trends →
Personal Loan — VT Avg
8.631%
▲ 0.074 vs 7 days ago

Vermont personal loan rates rose 0.074 points over the past 7 days to 8.631% APR.

Signature Loan — VT Avg
11.089%
▼ 0.923 vs 7 days ago

Vermont signature loan rates fell 0.923 points over the past 7 days to 11.089% APR.

As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions

What credit score do I need for a personal loan in Vermont?

Most lenders in Wells, Vermont require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Vermont often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Wells, Vermont require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Vermont?

Yes. Debt consolidation is one of the most common uses of personal loans in Wells, Vermont. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Wells, Vermont?

Credit unions in Wells, Vermont often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Wells, Vermont?

  • Green Mountain Credit Union: 3.99% (Renewable Energy Loan)
  • TrustCo Bank: 4.00% (Passbook Loan)
  • Vermont Federal Credit Union: 4.40% (Consumer Loans)
  • Northfield Savings Bank: 5.50% (Credit builder Personal Loan)
  • Members 1st Credit Union Brattleboro, VT: 5.99% (SOLAR PANEL LOANS)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Wells, Vermont. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 11, 2026.