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Personal Loan Rate Trends

Virginia Best Personal Loan Rates - September 2026

Current personal loan options available to borrowers in Virginia include: Self-Help Credit UnionSelf-Help Credit Union305 S Railroad Ave, Galax, VA, 24333 4024A5.0 ★Texas Ratio: 6.02% offering Solar Loans at 5.75% APR, General Electric Employees Federal Credit UnionGeneral Electric Employees Federal Credit Union2300 Wards Rd Ste E, Lynchburg, VA, 24502A+5.0 ★Texas Ratio: 4.95% offering Personal Loan at 6.50% APR, Richmond Virginia Fire Police Credit UnionRichmond Virginia Fire Police Credit Union900 Hermitage Rd, Richmond, VA, 23220 2001A+5.0 ★Texas Ratio: 1.54% offering Unsecured/Personal Loans at 6.75% APR, InFirst Federal Credit UnionInFirst Federal Credit Union6222 Little River Tpke, Alexandria, VA, 22312 1714A+5.0 ★Texas Ratio: 4.59% offering Personal Loan at 6.99% APR, and Signal Financial Federal Credit UnionSignal Financial Federal Credit Union44747 Brimfield Dr, Ashburn, VA, 20147 5920A+5.0 ★Texas Ratio: 3.10% offering Signature Loan at 6.99% APR. Personal loan rates as of September 22, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare personal loan rates across Virginia side-by-side. Virginia personal loan rates currently start as low as 5.75% APR from Self-Help Credit Union at 305 S Railroad Ave, Galax, VA, 24333 4024. Rates are continually updated, so 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 Virginia.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Virginia. 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: September 22, 2026

Virginia Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
305 S Railroad Ave, Galax, VA, 24333 4024
Solar LoansTerm: up to 240 months
5.75%
APR5.75%
Termup to 240 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Personal LoanTerm: 15 months
6.50%
APR6.50%
Term15 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Special fixed up to 15 months!

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Prestamos personales LoanTerm: 15 meses
6.50%
APR6.50%
Term15 meses
Last UpdatedSeptember 22, 2026
Details

As Low As; Especial!

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal LoansTerm: Up to 12 Months
6.75%
APR6.75%
TermUp to 12 Months
Last UpdatedSeptember 22, 2026
Details

As low as

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
6222 Little River Tpke, Alexandria, VA, 22312 1714
Personal Loan
6.99%
APR6.99%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As; Personal Loan

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
Signature LoanTerm: Up to 36 months
6.99%
APR6.99%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Arlington Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
2130 N Glebe Rd, Arlington, VA, 22207
Personal LoanTerm: 1-12 Months
6.99%
APR6.99%
Term1-12 Months
Last UpdatedSeptember 22, 2026
Details

Loan Amounts: $1,000-$1,500

Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
702 Elm St, Hopewell, VA, 23860
Signature Loans
6.99%
APR6.99%
Term
Last UpdatedSeptember 22, 2026
Details

Published APR range: 6.99% to 15.99%.

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
Unsecured LoansTerm: 24-60 Months
7.00%
APR7.00%
Interest Rate7.00%
Term24-60 Months
Last UpdatedSeptember 22, 2026
Details

Published rate range: 7.00%-14.00%.

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
7025A Manchester Blvd, Alexandria, VA, 22310
Unsecured, Bill Consolidation, Signature LoanTerm: 36 months
7.24%
APR7.24%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal LoansTerm: 13 to 24 Months
7.30%
APR7.30%
Term13 to 24 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
Debt180 Debt Consolidation LoanTerm: 6 - 84 Months
7.49%
APR7.49%
Term6 - 84 Months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 7.49% - 18.00%. $1,000 - $50,000, 6 - 84 Months. Fixed Rate.

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
Personal Convenience LoanTerm: 6 - 84 Months
7.49%
APR7.49%
Term6 - 84 Months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 7.49% - 18.00%. $1,000 - $50,000, 6 - 84 Months. Fixed Rate.

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
Signature LoanTerm: 37-48 months
7.49%
APR7.49%
Term37-48 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
1601 Ownby Ln, Richmond, VA, 23220
Personal LoanTerm: 0-24 Months
7.49%
APR7.49%
Term0-24 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Personal Loan
7.49%
APR7.49%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Personal LoanTerm: 36 months
7.74%
APR7.74%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As Low As

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Prestamos personales LoanTerm: 36 meses
7.74%
APR7.74%
Term36 meses
Last UpdatedSeptember 22, 2026
Details

As Low As

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1018 W Main St, Charlottesville, VA, 22903 2820
Personal LoanTerm: Up to 84 months
7.74%
APR7.74%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

Loan amount: Up to $50,000; Payment example: A loan of $2,500 for 36 months will have a monthly payment ranging from $78.04 to $90.99.

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal LoansTerm: 25 to 36 Months
7.74%
APR7.74%
Term25 to 36 Months
Last UpdatedSeptember 22, 2026
Details

As low as

NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
1130 W Broad St, Falls Church, VA, 22046 2114
Personal Loans
7.79%
APR7.79%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As; quick funding, no application fees, and no payment for 45 days.

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Signature LoanTerm: Up to 12 months
7.90%
APR7.90%
TermUp to 12 months
Last UpdatedSeptember 22, 2026
Details

Maximum Amount: $10,000

Justice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal LoansTerm: Up to 12 months
7.99%
APR7.99%
TermUp to 12 months
Last UpdatedSeptember 22, 2026
Details

Loan Amount: $500+

Democracy Federal Credit Union
Institution Rating:
A4.7 ★Texas Ratio: 6.55%
400 N Columbus St, Alexandria, VA, 22314
Signature LoanTerm: Up to 84 months
7.99%
APR7.99%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

Maximum APR: 18.00%. The Signature rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage. APR as low as

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
5948 Richmond Hwy, Alexandria, VA, 22303 1871
Signature LoanTerm: up to 60 months
7.99%
APR7.99%
Termup to 60 months
Last UpdatedSeptember 22, 2026
Details

Amount Financed: up to $20,000

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
Signature LoanTerm: 49-66 months
7.99%
APR7.99%
Term49-66 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Arlington Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
2130 N Glebe Rd, Arlington, VA, 22207
Personal LoanTerm: 25-36 Months
7.99%
APR7.99%
Term25-36 Months
Last UpdatedSeptember 22, 2026
Details

Loan Amounts: $3,001-$6,500

Homebase Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
4495 Crossings Blvd, Prince George, VA, 23875
Personal LoanTerm: 6 to 84 months
7.99%
APR7.99%
Term6 to 84 months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 7.99% to 17.99%.

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal LoansTerm: 37 to 49 Months
7.99%
APR7.99%
Term37 to 49 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
1601 Ownby Ln, Richmond, VA, 23220
Personal LoanTerm: 25-36 Months
7.99%
APR7.99%
Term25-36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: 12 Months
8.00%
APR8.00%
Term12 Months
Last UpdatedSeptember 22, 2026
Details

*APR = Annual Percentage Rate ** If eligible for all possible discounts Monthly payment amount based on an original loan amount of $1,000.00 and repayment terms as stated.

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4429 Bonney Rd, Virginia Beach, VA, 23462
Unsecured Optionline Tier 1 Loan
8.00%
APR8.00%
Interest Rate8.00%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.60%
3636 High St, Portsmouth, VA, 23707
Personal LoansTerm: Up to 36 Months
8.00%
APR8.00%
TermUp to 36 Months
Last UpdatedSeptember 22, 2026
Details

A *APR

Justice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal LoansTerm: 36 months
8.24%
APR8.24%
Term36 months
Last UpdatedSeptember 22, 2026
Details

Loan Amount: $2,500+

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
50 W Commerce Rd, Richmond, VA, 23224 2316
Signature Loan
8.24%
APR8.24%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: 24 Months
8.25%
APR8.25%
Term24 Months
Last UpdatedSeptember 22, 2026
Details

*APR = Annual Percentage Rate ** If eligible for all possible discounts Monthly payment amount based on an original loan amount of $1,000.00 and repayment terms as stated.

Justice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal LoansTerm: 48 months
8.49%
APR8.49%
Term48 months
Last UpdatedSeptember 22, 2026
Details

Loan Amount: $3,000+

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1630 King St, Alexandria, VA, 22314 2763
about Personal - Up to 24 Months LoanTerm: Up to 24 Months
8.49%
APR8.49%
TermUp to 24 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1630 King St, Alexandria, VA, 22314 2763
Personal - Up to 24 Months LoanTerm: Up to 24 Months
8.49%
APR8.49%
TermUp to 24 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

RVA Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
1700 Robin Hood Rd, Richmond, VA, 23220
Personal Loans
8.49%
APR8.49%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
10461 White Granite Dr, Oakton, VA, 22124
Personal LoanTerm: Up to 24 months
8.49%
APR8.49%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details

As low as; $50,000 maximum loan amount

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal LoansTerm: 49 to 60 Months
8.49%
APR8.49%
Term49 to 60 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
1601 Ownby Ln, Richmond, VA, 23220
Personal LoanTerm: 37-48 Months
8.49%
APR8.49%
Term37-48 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
Unsecured - Personal LoanTerm: 1-3 Years
8.49%
APR8.49%
Term1-3 Years
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: 36 Months
8.50%
APR8.50%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

*APR = Annual Percentage Rate ** If eligible for all possible discounts Monthly payment amount based on an original loan amount of $1,000.00 and repayment terms as stated.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
224 Commons Way, Williamsburg, VA, 23185
Fixed Term Signature Loan Debt Consolidation SpecialTerm: 36 months
8.74%
APR8.74%
Term36 months
Last UpdatedSeptember 22, 2026
Details

Limited time offer; As Low As; Rates as low as 8.74% APR are available for a term of up to 36 months. Loan amounts range from $500 to $20,000, based on creditworthiness. Members with a credit score of 720 or higher may qualify for up to $20,000; scores of 700-719 may qualify for up to $15,000; and scores of 670-699 may qualify for up to $10,000. A minimum credit score of 670 is required to apply. All loans are subject to credit approval, underwriting guidelines, and membership eligibility requirements. Loan proceeds must be used for debt consolidation purposes only and will be disbursed directly to creditors as specified by the borrower; no funds will be paid directly to the borrower. Rate, terms, and offer are subject to change without notice. This is a limited-time offer and may be withdrawn at any time. Other restrictions may apply. Contact 1st Advantage Federal Credit Union for complete details.

Lynchburg Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
3176 Fort Ave, Lynchburg, VA, 24501
Unsecured Personal/Debt Consolidation LoanTerm: 24 - 84 months
8.75%
APR8.75%
Term24 - 84 months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 8.75% - 17.75%.

Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
8300 Arlington Blvd, Fairfax, VA, 22031
Personal LoansTerm: 12 months
8.75%
APR8.75%
Term12 months
Last UpdatedSeptember 22, 2026
Details

APR* as low as

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2300 Wilson Blvd, Arlington, VA, 22201
Unsecured Personal LoansTerm: 12 months
8.75%
APR8.75%
Term12 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Signature LoansTerm: 0 - 24 Months
8.79%
APR8.79%
Term0 - 24 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Justice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loan
8.90%
APR8.90%
Term
Last UpdatedSeptember 22, 2026
Details

Loan Amount: $500-$40,000

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Signature LoanTerm: Up to 24 months
8.90%
APR8.90%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details

Maximum Amount: $10,000

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
7635 Plantation Rd, Roanoke, VA, 24019
Personal LoanTerm: 60 months
8.90%
APR8.90%
Term60 months
Last UpdatedSeptember 22, 2026
Details

Rates range from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.

Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
4164 Virginia Beach Blvd, Virginia Beach, VA, 23452
Share Secured Loan
8.95%
APR8.95%
Term
Last UpdatedSeptember 22, 2026
Details

Published APR range: 8.95% - 17.95%. Relationship discounts may apply; however, a floor rate of 2.75% APR is in effect. Floor rate does not apply to Certificate or Share Secured loans.

Justice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal LoansTerm: 60 months
8.99%
APR8.99%
Term60 months
Last UpdatedSeptember 22, 2026
Details

Loan Amount: $5,000+

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
6890 Elm St, Mclean, VA, 22101
Signature LoanTerm: Up to 7 years
8.99%
APR8.99%
TermUp to 7 years
Last UpdatedSeptember 22, 2026
Details

$500 - $50,000

TruEnergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
6801 Industrial Rd, Springfield, VA, 22151
Personal Loans
8.99%
APR8.99%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Arlington Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
2130 N Glebe Rd, Arlington, VA, 22207
Personal LoanTerm: 37-48 Months
8.99%
APR8.99%
Term37-48 Months
Last UpdatedSeptember 22, 2026
Details

Loan Amounts: $6,501-$10,000

Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
841 Mount Clinton Pike STE B, Harrisonburg, VA, 22802
Personal Loan
8.99%
APR8.99%
Term
Last UpdatedSeptember 22, 2026
Details

As low as 8.99% APR for qualified borrowers. Rates subject to credit score.

NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Signature LoansTerm: 25 - 60 Months
8.99%
APR8.99%
Term25 - 60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
3600 OAKLAWN BLVD, HOPEWELL, VA, 23860
Personal/Unsecured LoansTerm: Up to 72 months
8.99%
APR8.99%
TermUp to 72 months
Last UpdatedSeptember 22, 2026
Details

As Low As; *

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
1601 Ownby Ln, Richmond, VA, 23220
Personal LoanTerm: 49-60 Months
8.99%
APR8.99%
Term49-60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
Unsecured - Personal LoanTerm: 4 Years
8.99%
APR8.99%
Term4 Years
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1970 Roanoke Blvd, Salem, VA, 24153
Signature LoansTerm: up to 48 months
9.00%
APR9.00%
Termup to 48 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
419 Rutherford Ave NE, Roanoke, VA, 24022
Personal LoanTerm: Up To 84 Month
9.00%
APR9.00%
TermUp To 84 Month
Last UpdatedSeptember 22, 2026
Details

Published APR range: 9.00% to 18.00%. 1. The APR received will be within the range disclosed above. The rate will be based on each member's creditworthiness, term of the loan, and value of collateral offered compared to amount of loan. Please ask for the rate that you may qualify for.

Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
Personal LoansTerm: Up to 84 months
9.00%
APR9.00%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 9.00 to 17.00%. Borrowed Amount: $300 - $20,000

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
7025A Manchester Blvd, Alexandria, VA, 22310
Unsecured, Bill Consolidation, Signature LoanTerm: 48 months
9.24%
APR9.24%
Term48 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Bronco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
135 Stewart Dr, Franklin, VA, 23851
Personal LoansTerm: Up to 36 Months
9.25%
APR9.25%
TermUp to 36 Months
Last UpdatedSeptember 22, 2026
Details

As low as; 3

PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
8959 Center St, Manassas, VA, 20110 5403
Signature LoanTerm: 60 mos
9.25%
APR9.25%
Term60 mos
Last UpdatedSeptember 22, 2026
Details

No additional details available.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
Unsecured - Personal LoanTerm: 5 Years
9.25%
APR9.25%
Term5 Years
Last UpdatedSeptember 22, 2026
Details

No additional details available.

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2300 Wilson Blvd, Arlington, VA, 22201
Unsecured Personal LoansTerm: 24 months
9.25%
APR9.25%
Term24 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: Up to 24 months
9.49%
APR9.49%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details

As low as; Loan Amounts: Minimum: $250 Maximum: $70,000

Justice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal LoansTerm: 72 months
9.49%
APR9.49%
Term72 months
Last UpdatedSeptember 22, 2026
Details

Loan Amount: $5,000+

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1630 King St, Alexandria, VA, 22314 2763
about Personal - 25 to 60 Months LoanTerm: 25 to 60 Months
9.49%
APR9.49%
Term25 to 60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1630 King St, Alexandria, VA, 22314 2763
Personal - 25 to 60 Months LoanTerm: 25 to 60 Months
9.49%
APR9.49%
Term25 to 60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
10461 White Granite Dr, Oakton, VA, 22124
Personal LoanTerm: 25 - 36 months
9.49%
APR9.49%
Term25 - 36 months
Last UpdatedSeptember 22, 2026
Details

As low as; $50,000 maximum loan amount

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
12626 Nettles Dr, Newport News, VA, 23606
Personal LoanTerm: Up to 42 months
9.49%
APR9.49%
TermUp to 42 months
Last UpdatedSeptember 22, 2026
Details

APR up to 20.69%

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
Unsecured - Personal LoanTerm: 6 Years
9.49%
APR9.49%
Term6 Years
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
7025A Manchester Blvd, Alexandria, VA, 22310
Unsecured, Bill Consolidation, Signature LoanTerm: 60 months
9.50%
APR9.50%
Term60 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
723 5th St NE, Roanoke, VA, 24016 2123
Unsecured / Signature LoanTerm: 24 - 60 months
9.50%
APR9.50%
Term24 - 60 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: Up to 36 months
9.74%
APR9.74%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details

As low as; Loan Amounts: Minimum: $250 Maximum: $70,000

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Personal LoanTerm: 60 months
9.74%
APR9.74%
Term60 months
Last UpdatedSeptember 22, 2026
Details

As Low As

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Prestamos personales LoanTerm: 60 meses
9.74%
APR9.74%
Term60 meses
Last UpdatedSeptember 22, 2026
Details

As Low As

PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
8959 Center St, Manassas, VA, 20110 5403
Signature LoanTerm: 12 - 60 mos
9.75%
APR9.75%
Term12 - 60 mos
Last UpdatedSeptember 22, 2026
Details

Published APR range: 9.75% - 17.99%.

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Signature LoanTerm: Up to 36 months
9.90%
APR9.90%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details

Maximum Amount: $10,000

Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
11800 Spectrum Ctr, Reston, VA, 20190
Personal LoanTerm: up to 60 months
9.99%
APR9.99%
Termup to 60 months
Last UpdatedSeptember 22, 2026
Details

Includes a 0.5% discount for enrolling in automatic payments. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Rates as of 2-14-2026. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: Up to 48 months
9.99%
APR9.99%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details

As low as; Loan Amounts: Minimum: $250 Maximum: $70,000

Department of Commerce FCU
Institution Rating:
C+3.6 ★Texas Ratio: 16.01%
5309 Commonwealth Centre Pkwy Ste 407, Midlothian, VA, 23112
Personal LoansTerm: 12 Months
9.99%
APR9.99%
Term12 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
14260J Centreville Sq, Centreville, VA, 20121
Signature Loan
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

Up to $50,000

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2555 Lee Highway, Bristol, VA, 24201 1625
Signature LoanTerm: 60 months
9.99%
APR9.99%
Term60 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.36%
501 Dulany St, Alexandria, VA, 22314
Unsecured LoansTerm: 60 mos
9.99%
APR9.99%
Term60 mos
Last UpdatedSeptember 22, 2026
Details

Rate based on evaluation of credit history.

Connects Federal Credit Union
Institution Rating:
C-3.1 ★Texas Ratio: 17.97%
7700 Shrader Rd, Richmond, VA, 23228
Personal, Wedding, Vacation, Debt Consolidation Loan
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

Quoted Rates are lowest available rates, your quoted rate may be higher. Rates are determined by credit criteria including credit score, term, amount financed, loan to value of collateral, mileage and other factors. Rate cannot go below credit union floor rate of 4.50% APR. Discounts do not apply to Lines of Credit, VISA Credit Cards, Shared Secured, CD Secured, HELOCs and First Mortgages.

Arlington Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
2130 N Glebe Rd, Arlington, VA, 22207
Personal LoanTerm: 49-60 Months
9.99%
APR9.99%
Term49-60 Months
Last UpdatedSeptember 22, 2026
Details

Loan Amounts: $10,001-$20,000

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
5240 Valleypark Dr, Roanoke, VA, 24019 3002
Unsecured Personal LoansTerm: Up to 35 months
9.99%
APR9.99%
TermUp to 35 months
Last UpdatedSeptember 22, 2026
Details

No collateral required.

Lynchburg Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
3176 Fort Ave, Lynchburg, VA, 24501
UNSECURED PERSONAL AND DEBT CONSOLIDATIONTerm: Up to 84 months
9.99%
APR9.99%
Interest Rate9.99%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

Up to $20,000; Insurance protection available; No penalty for early payoff

Henrico Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
8611 Dixon Powers Dr, Henrico, VA, 23228
Personal LoansTerm: 1-60 months
9.99%
APR9.99%
Term1-60 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Personal Loan PromotionTerm: 12 months
9.99%
APR9.99%
Term12 months
Last UpdatedSeptember 22, 2026
Details

As Low As

ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.52%
35 Dupont Rd, Martinsville, VA, 24112 4618
Personal LoanTerm: 60 months
9.99%
APR9.99%
Term60 months
Last UpdatedSeptember 22, 2026
Details

As low as

Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
Personal LoanTerm: Up to 24 months
9.99%
APR9.99%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Amount: $500 - $15,000

VIRGINIA STATE UNIVERSITY
Institution Rating:
A5.0 ★Texas Ratio: 11.33%
3401 Boisseau St, South Chesterfield, VA, 23803 2021
Signature (Unsecured) LoanTerm: Up to 60 Months
9.99%
APR9.99%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 9.99% - 17.99%.

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.60%
3636 High St, Portsmouth, VA, 23707
Personal LoansTerm: 36 to 60 Months
10.00%
APR10.00%
Term36 to 60 Months
Last UpdatedSeptember 22, 2026
Details

A *APR

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1448 Park Ave NW, Norton, VA, 24273
Secured Credit Builder LoanTerm: 6 - 36 months
10.00%
APR10.00%
Term6 - 36 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Oak Farms Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
10301 Democracy Ln Ste 410, Fairfax, VA, 22030 2545
Personal Loans
10.00%
APR10.00%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Personal LoanTerm: Up to 72 months
10.00%
APR10.00%
TermUp to 72 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: Up to 60 months
10.24%
APR10.24%
TermUp to 60 months
Last UpdatedSeptember 22, 2026
Details

As low as; Loan Amounts: Minimum: $250 Maximum: $70,000

Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
Personal LoanTerm: Up to 36 months
10.24%
APR10.24%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Amount: $500 - $15,001

Bronco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
135 Stewart Dr, Franklin, VA, 23851
Personal LoansTerm: Up to 60 Months
10.25%
APR10.25%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details

As low as; 3

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
12 HERBERT ST, Alexandria, VA, 22305
Personal Loans
10.25%
APR10.25%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: Up to 72 months
10.49%
APR10.49%
TermUp to 72 months
Last UpdatedSeptember 22, 2026
Details

As low as; Loan Amounts: Minimum: $250 Maximum: $70,000

Department of Commerce FCU
Institution Rating:
C+3.6 ★Texas Ratio: 16.01%
5309 Commonwealth Centre Pkwy Ste 407, Midlothian, VA, 23112
Personal LoansTerm: 24 Months
10.49%
APR10.49%
Term24 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
304 Maryland Ave, Shenandoah, VA, 22849
Personal LoanTerm: 24 months
10.49%
APR10.49%
Term24 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
10461 White Granite Dr, Oakton, VA, 22124
Personal LoanTerm: 37 - 48 months
10.49%
APR10.49%
Term37 - 48 months
Last UpdatedSeptember 22, 2026
Details

As low as; $50,000 maximum loan amount

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4429 Bonney Rd, Virginia Beach, VA, 23462
Unsecured Optionline Tier 2 Loan
10.50%
APR10.50%
Interest Rate10.50%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
3381 VIRGINIA AVE, NARROWS, VA, 24124
Signature / Co-Maker LoanTerm: 60 Months
10.50%
APR10.50%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
Personal LoanTerm: Up to 48 months
10.74%
APR10.74%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Amount: $500 - $15,002

NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Signature LoansTerm: 61 - 72 Months
10.75%
APR10.75%
Term61 - 72 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
8300 Arlington Blvd, Fairfax, VA, 22031
Personal LoansTerm: 48 months
10.75%
APR10.75%
Term48 months
Last UpdatedSeptember 22, 2026
Details

APR* as low as

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2300 Wilson Blvd, Arlington, VA, 22201
Unsecured Personal LoansTerm: 36 months
10.75%
APR10.75%
Term36 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Signature LoanTerm: Up to 48 months
10.90%
APR10.90%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details

Maximum Amount: $10,000

Department of Commerce FCU
Institution Rating:
C+3.6 ★Texas Ratio: 16.01%
5309 Commonwealth Centre Pkwy Ste 407, Midlothian, VA, 23112
Personal LoansTerm: 36 Months
10.99%
APR10.99%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.36%
501 Dulany St, Alexandria, VA, 22314
Debt Consolidation Loan
10.99%
APR10.99%
Term
Last UpdatedSeptember 22, 2026
Details

As low as

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.36%
501 Dulany St, Alexandria, VA, 22314
Unsecured LoansTerm: 60 mos.
10.99%
APR10.99%
Term60 mos.
Last UpdatedSeptember 22, 2026
Details

Rate based on evaluation of credit history.

Arlington Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
2130 N Glebe Rd, Arlington, VA, 22207
Personal LoanTerm: 61-72 Months
10.99%
APR10.99%
Term61-72 Months
Last UpdatedSeptember 22, 2026
Details

Loan Amounts: $20,001-$50,000

Central Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Personal Loan PromotionTerm: 24 months
10.99%
APR10.99%
Term24 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
Personal Loan
10.99%
APR10.99%
Term
Last UpdatedSeptember 22, 2026
Details

Visa Classic 5-Day Grace Period Maximum Limit: Up to $20,000 Minimum Payment: 2%

Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
5100 George Washington Hwy, Portsmouth, VA, 23702
Personal LoansTerm: Up to 36 Months
10.99%
APR10.99%
TermUp to 36 Months
Last UpdatedSeptember 22, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Personal LoanTerm: 36 months
11.00%
APR11.00%
Interest Rate11.00%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Have an unexpected expense? Need new furniture or appliances? Want to consolidate high interest debt? Urgent bills piling up? Planning a wedding? A Personal Loan can help you get the funds you need for whatever life throws your way.

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Unsecured (Personal) LoansTerm: 12 months
11.10%
APR11.10%
Term12 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: Up to 84 months
11.24%
APR11.24%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

As low as; Loan Amounts: Minimum: $250 Maximum: $70,000

ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
5288 Providence Rd, Virginia Beach, VA, 23464 4204
Personal Loan
11.24%
APR11.24%
Term
Last UpdatedSeptember 22, 2026
Details

Published APR range: 11.24% - 18.00%.; Model Year: 2026 - 2021

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2300 Wilson Blvd, Arlington, VA, 22201
Unsecured Personal LoansTerm: 48 months
11.25%
APR11.25%
Term48 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Unsecured (Personal) LoansTerm: 24 months
11.35%
APR11.35%
Term24 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Department of Commerce FCU
Institution Rating:
C+3.6 ★Texas Ratio: 16.01%
5309 Commonwealth Centre Pkwy Ste 407, Midlothian, VA, 23112
Personal LoansTerm: 48 Months
11.49%
APR11.49%
Term48 Months
Last UpdatedSeptember 22, 2026
Details

As low as

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
224 Commons Way, Williamsburg, VA, 23185
Fixed Term Signature Loan
11.49%
APR11.49%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As; $500 and up

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
304 Maryland Ave, Shenandoah, VA, 22849
Personal LoanTerm: 60 months
11.49%
APR11.49%
Term60 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
10461 White Granite Dr, Oakton, VA, 22124
Personal LoanTerm: 49 - 60 months
11.49%
APR11.49%
Term49 - 60 months
Last UpdatedSeptember 22, 2026
Details

As low as; $50,000 maximum loan amount

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
7025A Manchester Blvd, Alexandria, VA, 22310
Unsecured, Bill Consolidation, Signature LoanTerm: 72 months
11.50%
APR11.50%
Term72 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331
Unsecured LoanTerm: 12 MONTHS
11.50%
APR11.50%
Term12 MONTHS
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Virginia Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Personal LoanTerm: 15 months
6.50%
APR6.50%
Term15 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Special fixed up to 15 months!

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal LoansTerm: Up to 12 Months
6.75%
APR6.75%
TermUp to 12 Months
Last UpdatedSeptember 22, 2026
Details

As low as

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
6222 Little River Tpke, Alexandria, VA, 22312 1714
Personal Loan
6.99%
APR6.99%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As; Personal Loan

Arlington Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
2130 N Glebe Rd, Arlington, VA, 22207
Personal LoanTerm: 1-12 Months
6.99%
APR6.99%
Term1-12 Months
Last UpdatedSeptember 22, 2026
Details

Loan Amounts: $1,000-$1,500

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal LoansTerm: 13 to 24 Months
7.30%
APR7.30%
Term13 to 24 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
1601 Ownby Ln, Richmond, VA, 23220
Personal LoanTerm: 0-24 Months
7.49%
APR7.49%
Term0-24 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Personal Loan
7.49%
APR7.49%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Personal LoanTerm: 36 months
7.74%
APR7.74%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As Low As

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1018 W Main St, Charlottesville, VA, 22903 2820
Personal LoanTerm: Up to 84 months
7.74%
APR7.74%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

Loan amount: Up to $50,000; Payment example: A loan of $2,500 for 36 months will have a monthly payment ranging from $78.04 to $90.99.

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal LoansTerm: 25 to 36 Months
7.74%
APR7.74%
Term25 to 36 Months
Last UpdatedSeptember 22, 2026
Details

As low as

NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
1130 W Broad St, Falls Church, VA, 22046 2114
Personal Loans
7.79%
APR7.79%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As; quick funding, no application fees, and no payment for 45 days.

Justice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal LoansTerm: Up to 12 months
7.99%
APR7.99%
TermUp to 12 months
Last UpdatedSeptember 22, 2026
Details

Loan Amount: $500+

Arlington Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
2130 N Glebe Rd, Arlington, VA, 22207
Personal LoanTerm: 25-36 Months
7.99%
APR7.99%
Term25-36 Months
Last UpdatedSeptember 22, 2026
Details

Loan Amounts: $3,001-$6,500

Homebase Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
4495 Crossings Blvd, Prince George, VA, 23875
Personal LoanTerm: 6 to 84 months
7.99%
APR7.99%
Term6 to 84 months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 7.99% to 17.99%.

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal LoansTerm: 37 to 49 Months
7.99%
APR7.99%
Term37 to 49 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
1601 Ownby Ln, Richmond, VA, 23220
Personal LoanTerm: 25-36 Months
7.99%
APR7.99%
Term25-36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: 12 Months
8.00%
APR8.00%
Term12 Months
Last UpdatedSeptember 22, 2026
Details

*APR = Annual Percentage Rate ** If eligible for all possible discounts Monthly payment amount based on an original loan amount of $1,000.00 and repayment terms as stated.

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.60%
3636 High St, Portsmouth, VA, 23707
Personal LoansTerm: Up to 36 Months
8.00%
APR8.00%
TermUp to 36 Months
Last UpdatedSeptember 22, 2026
Details

A *APR

Justice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal LoansTerm: 36 months
8.24%
APR8.24%
Term36 months
Last UpdatedSeptember 22, 2026
Details

Loan Amount: $2,500+

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: 24 Months
8.25%
APR8.25%
Term24 Months
Last UpdatedSeptember 22, 2026
Details

*APR = Annual Percentage Rate ** If eligible for all possible discounts Monthly payment amount based on an original loan amount of $1,000.00 and repayment terms as stated.

Justice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal LoansTerm: 48 months
8.49%
APR8.49%
Term48 months
Last UpdatedSeptember 22, 2026
Details

Loan Amount: $3,000+

RVA Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
1700 Robin Hood Rd, Richmond, VA, 23220
Personal Loans
8.49%
APR8.49%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
10461 White Granite Dr, Oakton, VA, 22124
Personal LoanTerm: Up to 24 months
8.49%
APR8.49%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details

As low as; $50,000 maximum loan amount

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal LoansTerm: 49 to 60 Months
8.49%
APR8.49%
Term49 to 60 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
1601 Ownby Ln, Richmond, VA, 23220
Personal LoanTerm: 37-48 Months
8.49%
APR8.49%
Term37-48 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
Unsecured - Personal LoanTerm: 1-3 Years
8.49%
APR8.49%
Term1-3 Years
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: 36 Months
8.50%
APR8.50%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

*APR = Annual Percentage Rate ** If eligible for all possible discounts Monthly payment amount based on an original loan amount of $1,000.00 and repayment terms as stated.

Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
8300 Arlington Blvd, Fairfax, VA, 22031
Personal LoansTerm: 12 months
8.75%
APR8.75%
Term12 months
Last UpdatedSeptember 22, 2026
Details

APR* as low as

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2300 Wilson Blvd, Arlington, VA, 22201
Unsecured Personal LoansTerm: 12 months
8.75%
APR8.75%
Term12 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Justice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loan
8.90%
APR8.90%
Term
Last UpdatedSeptember 22, 2026
Details

Loan Amount: $500-$40,000

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
7635 Plantation Rd, Roanoke, VA, 24019
Personal LoanTerm: 60 months
8.90%
APR8.90%
Term60 months
Last UpdatedSeptember 22, 2026
Details

Rates range from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.

Justice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal LoansTerm: 60 months
8.99%
APR8.99%
Term60 months
Last UpdatedSeptember 22, 2026
Details

Loan Amount: $5,000+

TruEnergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
6801 Industrial Rd, Springfield, VA, 22151
Personal Loans
8.99%
APR8.99%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Arlington Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
2130 N Glebe Rd, Arlington, VA, 22207
Personal LoanTerm: 37-48 Months
8.99%
APR8.99%
Term37-48 Months
Last UpdatedSeptember 22, 2026
Details

Loan Amounts: $6,501-$10,000

Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
841 Mount Clinton Pike STE B, Harrisonburg, VA, 22802
Personal Loan
8.99%
APR8.99%
Term
Last UpdatedSeptember 22, 2026
Details

As low as 8.99% APR for qualified borrowers. Rates subject to credit score.

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
1601 Ownby Ln, Richmond, VA, 23220
Personal LoanTerm: 49-60 Months
8.99%
APR8.99%
Term49-60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
Unsecured - Personal LoanTerm: 4 Years
8.99%
APR8.99%
Term4 Years
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
419 Rutherford Ave NE, Roanoke, VA, 24022
Personal LoanTerm: Up To 84 Month
9.00%
APR9.00%
TermUp To 84 Month
Last UpdatedSeptember 22, 2026
Details

Published APR range: 9.00% to 18.00%. 1. The APR received will be within the range disclosed above. The rate will be based on each member's creditworthiness, term of the loan, and value of collateral offered compared to amount of loan. Please ask for the rate that you may qualify for.

Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
Personal LoansTerm: Up to 84 months
9.00%
APR9.00%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 9.00 to 17.00%. Borrowed Amount: $300 - $20,000

Bronco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
135 Stewart Dr, Franklin, VA, 23851
Personal LoansTerm: Up to 36 Months
9.25%
APR9.25%
TermUp to 36 Months
Last UpdatedSeptember 22, 2026
Details

As low as; 3

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
Unsecured - Personal LoanTerm: 5 Years
9.25%
APR9.25%
Term5 Years
Last UpdatedSeptember 22, 2026
Details

No additional details available.

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2300 Wilson Blvd, Arlington, VA, 22201
Unsecured Personal LoansTerm: 24 months
9.25%
APR9.25%
Term24 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: Up to 24 months
9.49%
APR9.49%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details

As low as; Loan Amounts: Minimum: $250 Maximum: $70,000

Justice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal LoansTerm: 72 months
9.49%
APR9.49%
Term72 months
Last UpdatedSeptember 22, 2026
Details

Loan Amount: $5,000+

Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
10461 White Granite Dr, Oakton, VA, 22124
Personal LoanTerm: 25 - 36 months
9.49%
APR9.49%
Term25 - 36 months
Last UpdatedSeptember 22, 2026
Details

As low as; $50,000 maximum loan amount

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
12626 Nettles Dr, Newport News, VA, 23606
Personal LoanTerm: Up to 42 months
9.49%
APR9.49%
TermUp to 42 months
Last UpdatedSeptember 22, 2026
Details

APR up to 20.69%

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
Unsecured - Personal LoanTerm: 6 Years
9.49%
APR9.49%
Term6 Years
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: Up to 36 months
9.74%
APR9.74%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details

As low as; Loan Amounts: Minimum: $250 Maximum: $70,000

General Electric Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Personal LoanTerm: 60 months
9.74%
APR9.74%
Term60 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
11800 Spectrum Ctr, Reston, VA, 20190
Personal LoanTerm: up to 60 months
9.99%
APR9.99%
Termup to 60 months
Last UpdatedSeptember 22, 2026
Details

Includes a 0.5% discount for enrolling in automatic payments. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Rates as of 2-14-2026. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: Up to 48 months
9.99%
APR9.99%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details

As low as; Loan Amounts: Minimum: $250 Maximum: $70,000

Department of Commerce FCU
Institution Rating:
C+3.6 ★Texas Ratio: 16.01%
5309 Commonwealth Centre Pkwy Ste 407, Midlothian, VA, 23112
Personal LoansTerm: 12 Months
9.99%
APR9.99%
Term12 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Arlington Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
2130 N Glebe Rd, Arlington, VA, 22207
Personal LoanTerm: 49-60 Months
9.99%
APR9.99%
Term49-60 Months
Last UpdatedSeptember 22, 2026
Details

Loan Amounts: $10,001-$20,000

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
5240 Valleypark Dr, Roanoke, VA, 24019 3002
Unsecured Personal LoansTerm: Up to 35 months
9.99%
APR9.99%
TermUp to 35 months
Last UpdatedSeptember 22, 2026
Details

No collateral required.

Henrico Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
8611 Dixon Powers Dr, Henrico, VA, 23228
Personal LoansTerm: 1-60 months
9.99%
APR9.99%
Term1-60 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Personal Loan PromotionTerm: 12 months
9.99%
APR9.99%
Term12 months
Last UpdatedSeptember 22, 2026
Details

As Low As

ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.52%
35 Dupont Rd, Martinsville, VA, 24112 4618
Personal LoanTerm: 60 months
9.99%
APR9.99%
Term60 months
Last UpdatedSeptember 22, 2026
Details

As low as

Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
Personal LoanTerm: Up to 24 months
9.99%
APR9.99%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Amount: $500 - $15,000

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.60%
3636 High St, Portsmouth, VA, 23707
Personal LoansTerm: 36 to 60 Months
10.00%
APR10.00%
Term36 to 60 Months
Last UpdatedSeptember 22, 2026
Details

A *APR

Oak Farms Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
10301 Democracy Ln Ste 410, Fairfax, VA, 22030 2545
Personal Loans
10.00%
APR10.00%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Personal LoanTerm: Up to 72 months
10.00%
APR10.00%
TermUp to 72 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: Up to 60 months
10.24%
APR10.24%
TermUp to 60 months
Last UpdatedSeptember 22, 2026
Details

As low as; Loan Amounts: Minimum: $250 Maximum: $70,000

Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
Personal LoanTerm: Up to 36 months
10.24%
APR10.24%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Amount: $500 - $15,001

Bronco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
135 Stewart Dr, Franklin, VA, 23851
Personal LoansTerm: Up to 60 Months
10.25%
APR10.25%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details

As low as; 3

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
12 HERBERT ST, Alexandria, VA, 22305
Personal Loans
10.25%
APR10.25%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: Up to 72 months
10.49%
APR10.49%
TermUp to 72 months
Last UpdatedSeptember 22, 2026
Details

As low as; Loan Amounts: Minimum: $250 Maximum: $70,000

Department of Commerce FCU
Institution Rating:
C+3.6 ★Texas Ratio: 16.01%
5309 Commonwealth Centre Pkwy Ste 407, Midlothian, VA, 23112
Personal LoansTerm: 24 Months
10.49%
APR10.49%
Term24 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
304 Maryland Ave, Shenandoah, VA, 22849
Personal LoanTerm: 24 months
10.49%
APR10.49%
Term24 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
10461 White Granite Dr, Oakton, VA, 22124
Personal LoanTerm: 37 - 48 months
10.49%
APR10.49%
Term37 - 48 months
Last UpdatedSeptember 22, 2026
Details

As low as; $50,000 maximum loan amount

Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
Personal LoanTerm: Up to 48 months
10.74%
APR10.74%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Amount: $500 - $15,002

Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
8300 Arlington Blvd, Fairfax, VA, 22031
Personal LoansTerm: 48 months
10.75%
APR10.75%
Term48 months
Last UpdatedSeptember 22, 2026
Details

APR* as low as

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2300 Wilson Blvd, Arlington, VA, 22201
Unsecured Personal LoansTerm: 36 months
10.75%
APR10.75%
Term36 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Department of Commerce FCU
Institution Rating:
C+3.6 ★Texas Ratio: 16.01%
5309 Commonwealth Centre Pkwy Ste 407, Midlothian, VA, 23112
Personal LoansTerm: 36 Months
10.99%
APR10.99%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Arlington Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
2130 N Glebe Rd, Arlington, VA, 22207
Personal LoanTerm: 61-72 Months
10.99%
APR10.99%
Term61-72 Months
Last UpdatedSeptember 22, 2026
Details

Loan Amounts: $20,001-$50,000

Central Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Personal Loan PromotionTerm: 24 months
10.99%
APR10.99%
Term24 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
Personal Loan
10.99%
APR10.99%
Term
Last UpdatedSeptember 22, 2026
Details

Visa Classic 5-Day Grace Period Maximum Limit: Up to $20,000 Minimum Payment: 2%

Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
5100 George Washington Hwy, Portsmouth, VA, 23702
Personal LoansTerm: Up to 36 Months
10.99%
APR10.99%
TermUp to 36 Months
Last UpdatedSeptember 22, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Personal LoanTerm: 36 months
11.00%
APR11.00%
Interest Rate11.00%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Have an unexpected expense? Need new furniture or appliances? Want to consolidate high interest debt? Urgent bills piling up? Planning a wedding? A Personal Loan can help you get the funds you need for whatever life throws your way.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.40%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal LoanTerm: Up to 84 months
11.24%
APR11.24%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

As low as; Loan Amounts: Minimum: $250 Maximum: $70,000

ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
5288 Providence Rd, Virginia Beach, VA, 23464 4204
Personal Loan
11.24%
APR11.24%
Term
Last UpdatedSeptember 22, 2026
Details

Published APR range: 11.24% - 18.00%.; Model Year: 2026 - 2021

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2300 Wilson Blvd, Arlington, VA, 22201
Unsecured Personal LoansTerm: 48 months
11.25%
APR11.25%
Term48 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Department of Commerce FCU
Institution Rating:
C+3.6 ★Texas Ratio: 16.01%
5309 Commonwealth Centre Pkwy Ste 407, Midlothian, VA, 23112
Personal LoansTerm: 48 Months
11.49%
APR11.49%
Term48 Months
Last UpdatedSeptember 22, 2026
Details

As low as

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
304 Maryland Ave, Shenandoah, VA, 22849
Personal LoanTerm: 60 months
11.49%
APR11.49%
Term60 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Congressional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
10461 White Granite Dr, Oakton, VA, 22124
Personal LoanTerm: 49 - 60 months
11.49%
APR11.49%
Term49 - 60 months
Last UpdatedSeptember 22, 2026
Details

As low as; $50,000 maximum loan amount

Virginia Debt Consolidation Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
Debt180 Debt Consolidation LoanTerm: 6 - 84 Months
7.49%
APR7.49%
Term6 - 84 Months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 7.49% - 18.00%. $1,000 - $50,000, 6 - 84 Months. Fixed Rate.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
224 Commons Way, Williamsburg, VA, 23185
Fixed Term Signature Loan Debt Consolidation SpecialTerm: 36 months
8.74%
APR8.74%
Term36 months
Last UpdatedSeptember 22, 2026
Details

Limited time offer; As Low As; Rates as low as 8.74% APR are available for a term of up to 36 months. Loan amounts range from $500 to $20,000, based on creditworthiness. Members with a credit score of 720 or higher may qualify for up to $20,000; scores of 700-719 may qualify for up to $15,000; and scores of 670-699 may qualify for up to $10,000. A minimum credit score of 670 is required to apply. All loans are subject to credit approval, underwriting guidelines, and membership eligibility requirements. Loan proceeds must be used for debt consolidation purposes only and will be disbursed directly to creditors as specified by the borrower; no funds will be paid directly to the borrower. Rate, terms, and offer are subject to change without notice. This is a limited-time offer and may be withdrawn at any time. Other restrictions may apply. Contact 1st Advantage Federal Credit Union for complete details.

Lynchburg Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
3176 Fort Ave, Lynchburg, VA, 24501
Unsecured Personal/Debt Consolidation LoanTerm: 24 - 84 months
8.75%
APR8.75%
Term24 - 84 months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 8.75% - 17.75%.

Connects Federal Credit Union
Institution Rating:
C-3.1 ★Texas Ratio: 17.97%
7700 Shrader Rd, Richmond, VA, 23228
Personal, Wedding, Vacation, Debt Consolidation Loan
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

Quoted Rates are lowest available rates, your quoted rate may be higher. Rates are determined by credit criteria including credit score, term, amount financed, loan to value of collateral, mileage and other factors. Rate cannot go below credit union floor rate of 4.50% APR. Discounts do not apply to Lines of Credit, VISA Credit Cards, Shared Secured, CD Secured, HELOCs and First Mortgages.

Lynchburg Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
3176 Fort Ave, Lynchburg, VA, 24501
UNSECURED PERSONAL AND DEBT CONSOLIDATIONTerm: Up to 84 months
9.99%
APR9.99%
Interest Rate9.99%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

Up to $20,000; Insurance protection available; No penalty for early payoff

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.36%
501 Dulany St, Alexandria, VA, 22314
Debt Consolidation Loan
10.99%
APR10.99%
Term
Last UpdatedSeptember 22, 2026
Details

As low as

Virginia Signature Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
Signature LoanTerm: Up to 36 months
6.99%
APR6.99%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
702 Elm St, Hopewell, VA, 23860
Signature Loans
6.99%
APR6.99%
Term
Last UpdatedSeptember 22, 2026
Details

Published APR range: 6.99% to 15.99%.

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
7025A Manchester Blvd, Alexandria, VA, 22310
Unsecured, Bill Consolidation, Signature LoanTerm: 36 months
7.24%
APR7.24%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
Signature LoanTerm: 37-48 months
7.49%
APR7.49%
Term37-48 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Signature LoanTerm: Up to 12 months
7.90%
APR7.90%
TermUp to 12 months
Last UpdatedSeptember 22, 2026
Details

Maximum Amount: $10,000

Democracy Federal Credit Union
Institution Rating:
A4.7 ★Texas Ratio: 6.55%
400 N Columbus St, Alexandria, VA, 22314
Signature LoanTerm: Up to 84 months
7.99%
APR7.99%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

Maximum APR: 18.00%. The Signature rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage. APR as low as

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
5948 Richmond Hwy, Alexandria, VA, 22303 1871
Signature LoanTerm: up to 60 months
7.99%
APR7.99%
Termup to 60 months
Last UpdatedSeptember 22, 2026
Details

Amount Financed: up to $20,000

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
Signature LoanTerm: 49-66 months
7.99%
APR7.99%
Term49-66 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
50 W Commerce Rd, Richmond, VA, 23224 2316
Signature Loan
8.24%
APR8.24%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
224 Commons Way, Williamsburg, VA, 23185
Fixed Term Signature Loan Debt Consolidation SpecialTerm: 36 months
8.74%
APR8.74%
Term36 months
Last UpdatedSeptember 22, 2026
Details

Limited time offer; As Low As; Rates as low as 8.74% APR are available for a term of up to 36 months. Loan amounts range from $500 to $20,000, based on creditworthiness. Members with a credit score of 720 or higher may qualify for up to $20,000; scores of 700-719 may qualify for up to $15,000; and scores of 670-699 may qualify for up to $10,000. A minimum credit score of 670 is required to apply. All loans are subject to credit approval, underwriting guidelines, and membership eligibility requirements. Loan proceeds must be used for debt consolidation purposes only and will be disbursed directly to creditors as specified by the borrower; no funds will be paid directly to the borrower. Rate, terms, and offer are subject to change without notice. This is a limited-time offer and may be withdrawn at any time. Other restrictions may apply. Contact 1st Advantage Federal Credit Union for complete details.

NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Signature LoansTerm: 0 - 24 Months
8.79%
APR8.79%
Term0 - 24 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Signature LoanTerm: Up to 24 months
8.90%
APR8.90%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details

Maximum Amount: $10,000

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
6890 Elm St, Mclean, VA, 22101
Signature LoanTerm: Up to 7 years
8.99%
APR8.99%
TermUp to 7 years
Last UpdatedSeptember 22, 2026
Details

$500 - $50,000

NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Signature LoansTerm: 25 - 60 Months
8.99%
APR8.99%
Term25 - 60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1970 Roanoke Blvd, Salem, VA, 24153
Signature LoansTerm: up to 48 months
9.00%
APR9.00%
Termup to 48 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
7025A Manchester Blvd, Alexandria, VA, 22310
Unsecured, Bill Consolidation, Signature LoanTerm: 48 months
9.24%
APR9.24%
Term48 months
Last UpdatedSeptember 22, 2026
Details

As Low As

PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
8959 Center St, Manassas, VA, 20110 5403
Signature LoanTerm: 60 mos
9.25%
APR9.25%
Term60 mos
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
7025A Manchester Blvd, Alexandria, VA, 22310
Unsecured, Bill Consolidation, Signature LoanTerm: 60 months
9.50%
APR9.50%
Term60 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
723 5th St NE, Roanoke, VA, 24016 2123
Unsecured / Signature LoanTerm: 24 - 60 months
9.50%
APR9.50%
Term24 - 60 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
8959 Center St, Manassas, VA, 20110 5403
Signature LoanTerm: 12 - 60 mos
9.75%
APR9.75%
Term12 - 60 mos
Last UpdatedSeptember 22, 2026
Details

Published APR range: 9.75% - 17.99%.

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Signature LoanTerm: Up to 36 months
9.90%
APR9.90%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details

Maximum Amount: $10,000

Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
14260J Centreville Sq, Centreville, VA, 20121
Signature Loan
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

Up to $50,000

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2555 Lee Highway, Bristol, VA, 24201 1625
Signature LoanTerm: 60 months
9.99%
APR9.99%
Term60 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

VIRGINIA STATE UNIVERSITY
Institution Rating:
A5.0 ★Texas Ratio: 11.33%
3401 Boisseau St, South Chesterfield, VA, 23803 2021
Signature (Unsecured) LoanTerm: Up to 60 Months
9.99%
APR9.99%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 9.99% - 17.99%.

Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
3381 VIRGINIA AVE, NARROWS, VA, 24124
Signature / Co-Maker LoanTerm: 60 Months
10.50%
APR10.50%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Signature LoansTerm: 61 - 72 Months
10.75%
APR10.75%
Term61 - 72 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Signature LoanTerm: Up to 48 months
10.90%
APR10.90%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details

Maximum Amount: $10,000

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
224 Commons Way, Williamsburg, VA, 23185
Fixed Term Signature Loan
11.49%
APR11.49%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As; $500 and up

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
7025A Manchester Blvd, Alexandria, VA, 22310
Unsecured, Bill Consolidation, Signature LoanTerm: 72 months
11.50%
APR11.50%
Term72 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Virginia Personal Loan Rate Trends

Compare local Virginia 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 Virginia Personal Loan Trends
Personal Loan VA Avg
10.738%
▼ 1.318 vs 7 days ago

Virginia personal loan rates fell 1.318 points over the past 7 days to 10.738% APR.

Signature Loan VA Avg
9.716%
▼ 0.891 vs 7 days ago

Virginia signature loan rates fell 0.891 points over the past 7 days to 9.716% APR.

As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Virginia Personal Loan Rate Forecast, Next 12 Months

Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Virginia figures.

Current Personal Loan Avg
10.74%
APR, as of Sep 22, 2026
6-Month Forecast
10.82%
Fed hold assumed
12-Month Forecast
10.89%
Range: 10.54% to 11.09%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

What Would Your Monthly Payment Be?

Estimated monthly payments at the current VA average personal loan APR of 10.74%, across the terms lenders serving Virginia most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.

Loan Amount 24 Months 36 Months 48 Months 60 Months
$5,000 $232.43/mo $163.07/mo $128.59/mo $108.06/mo
$10,000 $464.86/mo $326.15/mo $257.18/mo $216.12/mo
$15,000 $697.29/mo $489.22/mo $385.77/mo $324.18/mo
$25,000 $1,162.15/mo $815.36/mo $642.96/mo $540.29/mo
$35,000 $1,627.01/mo $1,141.51/mo $900.14/mo $756.41/mo

Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.

Consolidating Credit Card Debt in Virginia

Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the VA personal loan average versus a range of typical credit card APRs.

Repayment Option APR Monthly Payment Total Interest Interest Saved
Personal Loan (VA average) 10.74% $385.77 $3,517
Credit card at 18% APR 18.00% $440.62 $6,150 $2,633
Credit card at 22% APR 22.00% $472.59 $7,684 $4,167
Credit card at 26% APR 26.00% $505.76 $9,276 $5,759

The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.

How to Get the Best Personal Loan Rate in Virginia

1

Prequalify With a Soft Credit Check

Most lenders serving Virginia will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.

2

Compare APR, Not the Interest Rate

Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.

3

Check Local Credit Unions First

Credit unions consistently publish the lowest personal loan APRs in our Virginia data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.

4

Borrow Only What You Need, for as Short a Term as You Can

Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.

A personal loan may not be the cheapest option for your situation

Virginia Financial Snapshot

Local demographics and economic context for borrowers. Source: U.S. Census Bureau

$51,121
Median Individual Earnings
National avg: $47,340
4.1%
Unemployment Rate
National avg: 4.8%
9.9%
Poverty Rate
National avg: 11.1%
$386/mo
Payment on a $15K / 48-mo Loan
At the VA average 10.74% APR

A $386 monthly loan payment is roughly 9.1% of the median individual income in Virginia. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.

Personal Loan vs. Other Ways to Borrow

A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Virginia.

Feature Personal Loan Credit Card 0% Balance Transfer Home Equity Loan / HELOC
Typical APR Level Mid, fixed Highest, variable 0% for a promo window Usually lowest
Collateral Required None None None Your home is at risk
Payment Predictability Fixed payment and payoff date Revolving, can last indefinitely Rate jumps when promo ends Fixed for loans, variable for HELOCs
Speed to Funding Often 1–3 business days Immediate if you hold the card Card approval plus transfer time Weeks (appraisal and closing)
Upfront Costs Origination fee up to ~10% None Transfer fee, typically 3–5% Closing costs possible
Best For Consolidation and one-off costs, no collateral Small balances paid in full monthly Debt you can clear inside the promo window Large projects when you have equity and time

General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.

Personal Loan Payment Calculator

Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current VA average, or click any rate on the right to apply it instantly.

$
%
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Total Interest Paid$0
Total of All Payments$0
Origination Fee$0
Cash You Actually Receive$0
Total Cost of Borrowing$0

Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Virginia 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 Virginia 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 Virginia. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in VA.

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 Virginia?

Most lenders in Virginia 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 Virginia often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Virginia 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 Virginia?

Yes. Debt consolidation is one of the most common uses of personal loans in Virginia. 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 Virginia?

Credit unions in Virginia 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 is an origination fee on a personal loan?

An origination fee is a one-time charge some lenders deduct from your loan proceeds, commonly 1% to 10% of the amount borrowed. On a $15,000 loan a 5% fee means you receive $14,250 but still owe interest on the full $15,000. The fee is built into the APR but not the interest rate, so compare lenders serving Virginia on APR. Many credit unions charge no origination fee at all.

Does checking personal loan rates hurt my credit score?

Prequalifying does not. Most lenders let you check an estimated rate with a soft credit inquiry that is invisible to other lenders and does not affect your score. Only a formal application triggers a hard inquiry. If you submit several full applications, group them within a short shopping window so credit scoring models treat them as one rate-shopping event.

Can I pay off a personal loan early?

Most personal loans from banks and credit unions serving Virginia carry no prepayment penalty, so paying early reduces your total interest. Confirm before signing, because a small number of lenders charge a prepayment fee or use precomputed interest, which removes the benefit of paying ahead of schedule.

What are the best personal loan rates in Virginia?

  • Self-Help Credit Union: 5.75% (Solar Loans)
  • General Electric Employees Federal Credit Union: 6.50% (Personal Loan)
  • Richmond Virginia Fire Police Credit Union: 6.75% (Unsecured/Personal Loans)
  • InFirst Federal Credit Union: 6.99% (Personal Loan)
  • Signal Financial Federal Credit Union: 6.99% (Signature Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 22, 2026.

Virginia Rates & Resources

Cities in Virginia

  • Abingdon
  • Accomac
  • Achilles
  • Afton
  • Alberta
  • Aldie
  • Alexandria
  • Altavista
  • Alton
  • Amelia Court House
  • Amherst
  • Amissville
  • Ammon
  • Amonate
  • Andover
  • Annandale
  • Appalachia
  • Appomattox
  • Ararat
  • Arcola
  • Ark
  • Arlington
  • Aroda
  • Arrington
  • Arvonia
  • Ashburn
  • Ashland
  • Assawoman
  • Atkins
  • Atlantic
  • Augusta Springs
  • Austinville
  • Axton
  • Aylett
  • Bacova
  • Banco
  • Bandy
  • Barboursville
  • Barhamsville
  • Barren Springs
  • Baskerville
  • Bassett
  • Bastian
  • Basye
  • Batesville
  • Battery Park
  • Bealeton
  • Beaumont
  • Beaverdam
  • Bedford
  • Bee
  • Bellamy
  • Belle Haven
  • Belspring
  • Ben Hur
  • Bena
  • Bent Mountain
  • Bentonville
  • Bergton
  • Berryville
  • Big Island
  • Big Rock
  • Big Stone Gap
  • Birchleaf
  • Birdsnest
  • Bishop
  • Blacksburg
  • Blackstone
  • Blackwater
  • Blairs
  • Bland
  • Bloxom
  • Blue Grass
  • Blue Ridge
  • Bluefield
  • Bluemont
  • Bohannon
  • Boissevain
  • Boones Mill
  • Boston
  • Bowling Green
  • Boyce
  • Boydton
  • Boykins
  • Bracey
  • Branchville
  • Brandy Station
  • Breaks
  • Bremo Bluff
  • Bridgewater
  • Brightwood
  • Bristol
  • Bristow
  • Broad Run
  • Broadford
  • Broadway
  • Brodnax
  • Brooke
  • Brookneal
  • Brownsburg
  • Brucetown
  • Bruington
  • Buchanan
  • Buckingham
  • Buena Vista
  • Buffalo Junction
  • Bumpass
  • Burgess
  • Burke
  • Burkes Garden
  • Burkeville
  • Burr Hill
  • Callands
  • Callao
  • Callaway
  • Calverton
  • Cana
  • Cape Charles
  • Capeville
  • Capron
  • Cardinal
  • Caret
  • Carrollton
  • Carrsville
  • Carson
  • Cartersville
  • Casanova
  • Cascade
  • Castleton
  • Castlewood
  • Catawba
  • Catharpin
  • Catlett
  • Cedar Bluff
  • Center Cross
  • Centreville
  • Ceres
  • Champlain
  • Chantilly
  • Charles City
  • Charlotte Court House
  • Charlottesville
  • Chase City
  • Chatham
  • Check
  • Cheriton
  • Chesapeake
  • Chester
  • Chester Gap
  • Chesterfield
  • Chilhowie
  • Chincoteague Island
  • Christchurch
  • Christiansburg
  • Church Road
  • Church View
  • Churchville
  • Claremont
  • Clarksville
  • Claudville
  • Clear Brook
  • Cleveland
  • Clifford
  • Clifton
  • Clifton Forge
  • Clinchco
  • Clintwood
  • Clover
  • Cloverdale
  • Cluster Springs
  • Cobbs Creek
  • Coeburn
  • Coleman Falls
  • Coles Point
  • Collinsville
  • Colonial Beach
  • Colonial Heights
  • Columbia
  • Concord
  • Copper Hill
  • Corbin
  • Courtland
  • Covesville
  • Covington
  • Craddockville
  • Craigsville
  • Crewe
  • Criders
  • Crimora
  • Cripple Creek
  • Critz
  • Crockett
  • Cross Junction
  • Crozet
  • Crozier
  • Crystal Hill
  • Cullen
  • Culpeper
  • Cumberland
  • Dahlgren
  • Daleville
  • Damascus
  • Dante
  • Danville
  • Davenport
  • Davis Wharf
  • Dayton
  • Deerfield
  • Delaplane
  • Deltaville
  • Dendron
  • Dewitt
  • Diggs
  • Dillwyn
  • Dinwiddie
  • Disputanta
  • Doe Hill
  • Dogue
  • Dolphin
  • Doran
  • Doswell
  • Drakes Branch
  • Draper
  • Drewryville
  • Dry Fork
  • Dryden
  • Dublin
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  • Millwood
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  • Mitchells
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  • Mouth Of Wilson
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  • Reedville
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  • Rescue
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  • Richmond
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  • Rockville
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  • Rocky Mount
  • Rollins Fork
  • Rose Hill
  • Rosedale
  • Roseland
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  • Rowe
  • Ruby
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  • Rural Retreat
  • Rustburg
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  • Saint Charles
  • Saint Paul
  • Saint Stephens Church
  • Salem
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  • Sandston
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  • Sedley
  • Selma
  • Seven Mile Ford
  • Severn
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  • Springfield
  • Stafford
  • Staffordsville
  • Stanardsville
  • Stanley
  • Stanleytown
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  • State Farm
  • Staunton
  • Steeles Tavern
  • Stephens City
  • Stephenson
  • Sterling
  • Stevensburg
  • Stevensville
  • Stonega
  • Stony Creek
  • Strasburg
  • Stratford
  • Stuart
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  • Studley
  • Suffolk
  • Sugar Grove
  • Sumerduck
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  • Susan
  • Sussex
  • Sutherland
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  • Swoope
  • Swords Creek
  • Syria
  • Tangier
  • Tannersville
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  • Tasley
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  • Thaxton
  • The Plains
  • Thornburg
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  • Troy
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  • Valentines
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  • Washington
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  • Weems
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  • White Hall
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  • Williamsburg
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  • Willis
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  • Zacata
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  • Zuni