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
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As Low As; Special fixed up to 15 months!
As Low As; Especial!
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As Low As; Personal Loan
As Low As
Loan Amounts: $1,000-$1,500
Published APR range: 6.99% to 15.99%.
Published rate range: 7.00%-14.00%.
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As low as
Published APR range: 7.49% - 18.00%. $1,000 - $50,000, 6 - 84 Months. Fixed Rate.
Published APR range: 7.49% - 18.00%. $1,000 - $50,000, 6 - 84 Months. Fixed Rate.
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As Low As
As Low As
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.
As low as
As Low As; quick funding, no application fees, and no payment for 45 days.
Maximum Amount: $10,000
Loan Amount: $500+
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
Amount Financed: up to $20,000
As Low As
Loan Amounts: $3,001-$6,500
Published APR range: 7.99% to 17.99%.
As low as
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*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.
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Loan Amount: $2,500+
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*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.
Loan Amount: $3,000+
No additional details available.
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As Low As
As low as; $50,000 maximum loan amount
As low as
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*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.
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.
Published APR range: 8.75% - 17.75%.
APR* as low as
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No additional details available.
Loan Amount: $500-$40,000
Maximum Amount: $10,000
Rates range from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.
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.
Loan Amount: $5,000+
$500 - $50,000
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Loan Amounts: $6,501-$10,000
As low as 8.99% APR for qualified borrowers. Rates subject to credit score.
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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.
Published APR range: 9.00 to 17.00%. Borrowed Amount: $300 - $20,000
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As low as; 3
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As low as; Loan Amounts: Minimum: $250 Maximum: $70,000
Loan Amount: $5,000+
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As low as; $50,000 maximum loan amount
APR up to 20.69%
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As low as; Loan Amounts: Minimum: $250 Maximum: $70,000
As Low As
As Low As
Published APR range: 9.75% - 17.99%.
Maximum Amount: $10,000
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.
As low as; Loan Amounts: Minimum: $250 Maximum: $70,000
As low as
Up to $50,000
No additional details available.
Rate based on evaluation of credit history.
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.
Loan Amounts: $10,001-$20,000
No collateral required.
Up to $20,000; Insurance protection available; No penalty for early payoff
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As Low As
As low as
As Low As; Amount: $500 - $15,000
Published APR range: 9.99% - 17.99%.
A *APR
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As low as; Loan Amounts: Minimum: $250 Maximum: $70,000
As Low As; Amount: $500 - $15,001
As low as; 3
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As low as; Loan Amounts: Minimum: $250 Maximum: $70,000
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As low as; $50,000 maximum loan amount
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As Low As; Amount: $500 - $15,002
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APR* as low as
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Maximum Amount: $10,000
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As low as
Rate based on evaluation of credit history.
Loan Amounts: $20,001-$50,000
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Visa Classic 5-Day Grace Period Maximum Limit: Up to $20,000 Minimum Payment: 2%
As Low As
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.
No additional details available.
As low as; Loan Amounts: Minimum: $250 Maximum: $70,000
Published APR range: 11.24% - 18.00%.; Model Year: 2026 - 2021
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As Low As; $500 and up
No additional details available.
As low as; $50,000 maximum loan amount
As Low As
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As Low As; Special fixed up to 15 months!
As low as
As Low As; Personal Loan
Loan Amounts: $1,000-$1,500
As low as
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As Low As
As Low As
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.
As low as
As Low As; quick funding, no application fees, and no payment for 45 days.
Loan Amount: $500+
Loan Amounts: $3,001-$6,500
Published APR range: 7.99% to 17.99%.
As low as
No additional details available.
*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.
A *APR
Loan Amount: $2,500+
*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.
Loan Amount: $3,000+
As Low As
As low as; $50,000 maximum loan amount
As low as
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*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.
APR* as low as
No additional details available.
Loan Amount: $500-$40,000
Rates range from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.
Loan Amount: $5,000+
As Low As
Loan Amounts: $6,501-$10,000
As low as 8.99% APR for qualified borrowers. Rates subject to credit score.
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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.
Published APR range: 9.00 to 17.00%. Borrowed Amount: $300 - $20,000
As low as; 3
No additional details available.
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As low as; Loan Amounts: Minimum: $250 Maximum: $70,000
Loan Amount: $5,000+
As low as; $50,000 maximum loan amount
APR up to 20.69%
No additional details available.
As low as; Loan Amounts: Minimum: $250 Maximum: $70,000
As Low As
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.
As low as; Loan Amounts: Minimum: $250 Maximum: $70,000
As low as
Loan Amounts: $10,001-$20,000
No collateral required.
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As Low As
As low as
As Low As; Amount: $500 - $15,000
A *APR
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As low as; Loan Amounts: Minimum: $250 Maximum: $70,000
As Low As; Amount: $500 - $15,001
As low as; 3
No additional details available.
As low as; Loan Amounts: Minimum: $250 Maximum: $70,000
As low as
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As low as; $50,000 maximum loan amount
As Low As; Amount: $500 - $15,002
APR* as low as
No additional details available.
As low as
Loan Amounts: $20,001-$50,000
As Low As
Visa Classic 5-Day Grace Period Maximum Limit: Up to $20,000 Minimum Payment: 2%
As Low As
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.
As low as; Loan Amounts: Minimum: $250 Maximum: $70,000
Published APR range: 11.24% - 18.00%.; Model Year: 2026 - 2021
No additional details available.
As low as
No additional details available.
As low as; $50,000 maximum loan amount
Published APR range: 7.49% - 18.00%. $1,000 - $50,000, 6 - 84 Months. Fixed Rate.
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.
Published APR range: 8.75% - 17.75%.
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.
Up to $20,000; Insurance protection available; No penalty for early payoff
As low as
As Low As
Published APR range: 6.99% to 15.99%.
As Low As
As Low As
Maximum Amount: $10,000
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
Amount Financed: up to $20,000
As Low As
No additional details available.
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.
No additional details available.
Maximum Amount: $10,000
$500 - $50,000
No additional details available.
No additional details available.
As Low As
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As Low As
No additional details available.
Published APR range: 9.75% - 17.99%.
Maximum Amount: $10,000
Up to $50,000
No additional details available.
Published APR range: 9.99% - 17.99%.
No additional details available.
No additional details available.
Maximum Amount: $10,000
As Low As; $500 and up
As Low As
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.
Virginia personal loan rates fell 1.318 points over the past 7 days to 10.738% APR.
Virginia signature loan rates fell 0.891 points over the past 7 days to 9.716% APR.
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.
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.
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.
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.
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.
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.
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.
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.
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
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.
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.
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.
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.
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.