Best Personal Loan Rates in Virginia (VA) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Virginia borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Virginia include: Arlington Community Federal Credit UnionArlington Community Federal Credit Union2130 N Glebe Rd, Arlington, VA, 22207A+5.0 ★Texas Ratio: 5.63% offering New and Used: Seven Years and Newer Loan at 3.99% APR, Baxter Credit UnionBaxter Credit Union1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, Northwest Federal Credit UnionNorthwest Federal Credit Union14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116A+5.0 ★Texas Ratio: 2.13% offering New 2026 Loan at 4.59% APR, Baylands Family Credit UnionBaylands Family Credit Union7031 Richmond Rd, Williamsburg, VA, 23188 7214A5.0 ★Texas Ratio: 6.66% offering Credit Builder Loan at 5.00% APR, and United Southeast Federal Credit UnionUnited Southeast Federal Credit Union2555 Lee Highway, Bristol, VA, 24201 1625A+5.0 ★Texas Ratio: 2.38% offering Personal Loans at 5.15% APR. Personal loan rates as of May 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 3.99% APR from Arlington Community Federal Credit Union at 2130 N Glebe Rd, Arlington, VA, 22207. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in 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: May 22, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
New and Used: Seven Years and Newer Loan
3.99%
▼
APR3.99%
Last UpdatedMay 22, 2026
Details
As Low As
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
New & Used: Seven Years and Newer Loan
4.39%
▼
APR4.39%
Last UpdatedMay 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
New 2026 Loan
4.59%
▼
APR4.59%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2024 Loan
4.59%
▼
APR4.59%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2025-2026 Loan
4.59%
▼
APR4.59%
Last UpdatedMay 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 22, 2026
Details
As Low As
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
New & Used: Seven Years and Newer Loan
4.65%
▼
APR4.65%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2023 Loan
4.69%
▼
APR4.69%
Last UpdatedMay 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2022 Loan
4.89%
▼
APR4.89%
Last UpdatedMay 22, 2026
Details
As Low As
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
Credit Builder Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
above dividend rate earned by 12 Month Share Certificate
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
New 2026 Loan
5.09%
▼
APR5.09%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2024 Loan
5.09%
▼
APR5.09%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2025-2026 Loan
5.09%
▼
APR5.09%
Last UpdatedMay 22, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
2555 Lee Highway, Bristol, VA, 24201 1625
Personal Loans
5.15%
▼
APR5.15%
Last UpdatedMay 22, 2026
Details
No additional details available.
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2023 Loan
5.19%
▼
APR5.19%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2025-2026 Loan
5.29%
▼
APR5.29%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2024 Loan
5.39%
▼
APR5.39%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
New 2026 Loan
5.39%
▼
APR5.39%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2022 Loan
5.39%
▼
APR5.39%
Last UpdatedMay 22, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Personal
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Personal Loan Promotion
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal Loan
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2023 Model Year Loan
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2024 Model Year Loan
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2025 Model Year Loan
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2026 Model Year Loan
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2023 Loan
5.59%
▼
APR5.59%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2023 Model Year Loan
5.60%
▼
APR5.60%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2024 Model Year Loan
5.60%
▼
APR5.60%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2025 Model Year Loan
5.60%
▼
APR5.60%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2026 Model Year Loan
5.60%
▼
APR5.60%
Last UpdatedMay 22, 2026
Details
As Low As
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
New & Used: Seven Years and Newer Loan
5.65%
▼
APR5.65%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2021 Loan
5.69%
▼
APR5.69%
Last UpdatedMay 22, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
2555 Lee Highway, Bristol, VA, 24201 1625
Recreational Loans
5.70%
▼
APR5.70%
Last UpdatedMay 22, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
305 S Railroad Ave, Galax, VA, 24333 4024
Solar Loans
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
up to 240 months
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
305 S Railroad Ave, Galax, VA, 24333 4024
Energy Saver Loans
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
up to 180 months
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
New 2026 Loan
5.79%
▼
APR5.79%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2022 Loan
5.79%
▼
APR5.79%
Last UpdatedMay 22, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
5 Year Equity Loan Promotion1
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As; 60 month fixed rate. Offer available for a limited time. Up to 80% Loan to Value.
FRONT ROYAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
230 N Royal Ave, Front Royal, VA, 22630 2616
Spring Loan Special
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2023 Model Year Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2024 Model Year Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2025 Model Year Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2026 Model Year Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
Loan Special
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
$1,500
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2024 Loan
6.04%
▼
APR6.04%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2025-2026 Loan
6.04%
▼
APR6.04%
Last UpdatedMay 22, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Personal Loan
6.15%
▼
APR6.15%
Last UpdatedMay 22, 2026
Details
As Low As; Maximum $3,000
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2021 Loan
6.19%
▼
APR6.19%
Last UpdatedMay 22, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Credit Builder Loan
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
721 Lakefront Cmns, Newport News, VA, 23606
VA 30 Loan
6.42%
▼
APR6.42%
Last UpdatedMay 22, 2026
Details
No additional details available.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2026 Model Year Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2025 Model Year Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2024 Model Year Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2023 Model Year Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
10 Year Equity Loan Promotion2
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As; 120 month fixed rate. Offer available for a limited time. Up to 90% Loan to Value.
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Personal Loan Promotion
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2020 Model Year Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2021 Model Year Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2022 Model Year Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Special fixed up to 15 months!
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
SUMMER LOAN
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Borrow up to $25,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Loan Amount: $500 - $25,000
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
721 Lakefront Cmns, Newport News, VA, 23606
Credit Builder Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
265 Jones St, Gate City, VA, 24251
Equipment Loan
6.65%
▼
APR6.65%
Last UpdatedMay 22, 2026
Details
As Low As; Regular APR: 10.090%
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
MITRE Building 2, McLean, VA, 22102
VA Loans
6.68%
▼
APR6.68%
Last UpdatedMay 22, 2026
Details
30-Year Rates As Low As; Primary Residence
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used 2021 Loan
6.69%
▼
APR6.69%
Last UpdatedMay 22, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
7575 Colshire Dr, McLean, VA, 22102 7508
Personal Signature Loan - Closed Fixed APR as low as
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Personal Loan
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As; Fixed APR
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2019 Model Year & Older Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6103 Fulk Dr Ste C, Fairlawn, VA, 24141 9005
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; Rate effective as of 05/21/2026. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us, and a 3.0% discount for personal loans. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 6.99% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 6.99% is the minimum APR offered which includes maximum discounts. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $239.39 at 6.99% APR with a 48 month term. Other options are available with APR based on loan amount, repayment method, term and other factors. This example is an estimate only and assumes all payments are made on time.
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6103 Fulk Dr Ste C, Fairlawn, VA, 24141 9005
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6222 Little River Tpke, Alexandria, VA, 22312 1714
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
Unsecured, Bill Consolidation, Signature Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
11030 Hull Street Rd, Midlothian, VA, 23112
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate.
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
702 Elm St, Hopewell, VA, 23860
Signature Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
Unsecured Loans
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
7.15%
▼
APR7.15%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
Loan
7.24%
▼
APR7.24%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2020 Model Year Loan
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2021 Model Year Loan
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2022 Model Year Loan
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
1130 W Broad St, Falls Church, VA, 22046 2114
Personal Loan
7.44%
▼
APR7.44%
Last UpdatedMay 22, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
2019 Model Year & Older Loan
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
Loan
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
As Low As
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
135 Stewart Dr, Franklin, VA, 23851
Lot Purchases Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
Unsecured Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
As Low As; Fixed up to 36 months
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
As Low As; Fixed APR
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
As Low As
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Personal Loan
7.79%
▼
APR7.79%
Last UpdatedMay 22, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Signature Loan
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
Maximum Amount: $10,000
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
2555 Lee Highway, Bristol, VA, 24201 1625
Platinum Preferred Loan
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; - $50,000 maximum loan amount
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
4495 Crossings Blvd, Prince George, VA, 23875
Lifestyle Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
2555 Lee Highway, Bristol, VA, 24201 1625
Lifestyle Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
5948 Richmond Hwy, Alexandria, VA, 22303 1871
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
5948 Richmond Hwy, Alexandria, VA, 22303 1871
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; up to $20,000
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
VIRGINIA STATE UNIVERSITY
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
3401 Boisseau St, South Chesterfield, VA, 23803 2021
Balance Transfer Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
VIRGINIA STATE UNIVERSITY
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
3401 Boisseau St, South Chesterfield, VA, 23803 2021
360 Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; Lowest rate available with qualifying credit. Your rate is based on creditworthiness.
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
PERSONAL LOAN
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
400 N Columbus St, Alexandria, VA, 22314
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
50 W Commerce Rd, Richmond, VA, 23224 2316
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
4429 Bonney Rd, Virginia Beach, VA, 23462
Unsecured Optionline Tier 1 Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
Unsecured Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
Variable Rate Solar Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
3636 High St, Portsmouth, VA, 23707
Personal Loans Up to 36 Months A
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
400 N Columbus St, Alexandria, VA, 22314
Summertime Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
8.15%
▼
APR8.15%
Last UpdatedMay 22, 2026
Details
As Low As
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
New & Used: Seven Years and Newer Loan
8.19%
▼
APR8.19%
Last UpdatedMay 22, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 11.31%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
RVA Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1700 Robin Hood Rd, Richmond, VA, 23220
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
Up to 24 Months Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As; Fixed APR
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Debt Consolidation Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As; for up to 36 months on loans from $500 to $20,000. Simplify multiple payments into one and start saving on interest. Funds are paid directly to your creditors for a streamlined payoff process. Take control of your debt.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Debt Consolidation Personal Loan Special
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Fixed Term Signature Loan Debt Consolidation Special
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As; Limited time offer
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8300 Arlington Blvd, Fairfax, VA, 22031
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
As Low As
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2300 Wilson Blvd, Arlington, VA, 22201
Unsecured Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Signature Loans
8.79%
▼
APR8.79%
Last UpdatedMay 22, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
As Low As; Loan Amount: $500-$40,000
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
7635 Plantation Rd, Roanoke, VA, 24019
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
Maximum Amount: $10,000
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4164 Virginia Beach Blvd, Virginia Beach, VA, 23452
Personal Loans
8.95%
▼
APR8.95%
Last UpdatedMay 22, 2026
Details
As Low As
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4164 Virginia Beach Blvd, Virginia Beach, VA, 23452
Unsecured Personal Loans
8.95%
▼
APR8.95%
Last UpdatedMay 22, 2026
Details
No additional details available.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
6890 Elm St, Mclean, VA, 22101
Signature
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Signature Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
3600 OAKLAWN BLVD, HOPEWELL, VA, 23860
Personal/Unsecured Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
Unsecured, Bill Consolidation, Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
7700 Shrader Rd, Richmond, VA, 23228
Other Collateral Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
2555 Lee Highway, Bristol, VA, 24201 1625
Personal Loans
5.15%
▼
APR5.15%
Last UpdatedMay 22, 2026
Details
No additional details available.
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Personal Loan Promotion
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal Loan
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Personal Loan
6.15%
▼
APR6.15%
Last UpdatedMay 22, 2026
Details
As Low As; Maximum $3,000
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Personal Loan Promotion
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Loan Amount: $500 - $25,000
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Special fixed up to 15 months!
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Personal Loan
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As; Fixed APR
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6103 Fulk Dr Ste C, Fairlawn, VA, 24141 9005
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; Rate effective as of 05/21/2026. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us, and a 3.0% discount for personal loans. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 6.99% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 6.99% is the minimum APR offered which includes maximum discounts. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $239.39 at 6.99% APR with a 48 month term. Other options are available with APR based on loan amount, repayment method, term and other factors. This example is an estimate only and assumes all payments are made on time.
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6103 Fulk Dr Ste C, Fairlawn, VA, 24141 9005
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6222 Little River Tpke, Alexandria, VA, 22312 1714
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
11030 Hull Street Rd, Midlothian, VA, 23112
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate.
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
7.15%
▼
APR7.15%
Last UpdatedMay 22, 2026
Details
As Low As
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
1130 W Broad St, Falls Church, VA, 22046 2114
Personal Loan
7.44%
▼
APR7.44%
Last UpdatedMay 22, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
As Low As; Fixed up to 36 months
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
As Low As; Fixed APR
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Personal Loan
7.79%
▼
APR7.79%
Last UpdatedMay 22, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; - $50,000 maximum loan amount
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
PERSONAL LOAN
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
400 N Columbus St, Alexandria, VA, 22314
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
3636 High St, Portsmouth, VA, 23707
Personal Loans Up to 36 Months A
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
8.15%
▼
APR8.15%
Last UpdatedMay 22, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 11.31%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
RVA Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1700 Robin Hood Rd, Richmond, VA, 23220
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As; Fixed APR
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Debt Consolidation Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As; for up to 36 months on loans from $500 to $20,000. Simplify multiple payments into one and start saving on interest. Funds are paid directly to your creditors for a streamlined payoff process. Take control of your debt.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Debt Consolidation Personal Loan Special
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8300 Arlington Blvd, Fairfax, VA, 22031
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
As Low As
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2300 Wilson Blvd, Arlington, VA, 22201
Unsecured Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
7635 Plantation Rd, Roanoke, VA, 24019
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
As Low As; Loan Amount: $500-$40,000
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4164 Virginia Beach Blvd, Virginia Beach, VA, 23452
Personal Loans
8.95%
▼
APR8.95%
Last UpdatedMay 22, 2026
Details
As Low As
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4164 Virginia Beach Blvd, Virginia Beach, VA, 23452
Unsecured Personal Loans
8.95%
▼
APR8.95%
Last UpdatedMay 22, 2026
Details
No additional details available.
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Debt Consolidation Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As; for up to 36 months on loans from $500 to $20,000. Simplify multiple payments into one and start saving on interest. Funds are paid directly to your creditors for a streamlined payoff process. Take control of your debt.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Debt Consolidation Personal Loan Special
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Fixed Term Signature Loan Debt Consolidation Special
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As; Limited time offer
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
2 Commercial Pl, Norfolk, VA, 23510 2107
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
2 Commercial Pl, Norfolk, VA, 23510 2107
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
721 Lakefront Cmns, Newport News, VA, 23606
Debt Consolidation Loan
16.99%
▼
APR16.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
7575 Colshire Dr, McLean, VA, 22102 7508
Personal Signature Loan - Closed Fixed APR as low as
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
702 Elm St, Hopewell, VA, 23860
Signature Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
Unsecured, Bill Consolidation, Signature Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Signature Loan
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
Maximum Amount: $10,000
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
50 W Commerce Rd, Richmond, VA, 23224 2316
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
5948 Richmond Hwy, Alexandria, VA, 22303 1871
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; up to $20,000
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
5948 Richmond Hwy, Alexandria, VA, 22303 1871
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Fixed Term Signature Loan Debt Consolidation Special
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As; Limited time offer
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Signature Loans
8.79%
▼
APR8.79%
Last UpdatedMay 22, 2026
Details
No additional details available.
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedMay 22, 2026
Details
Maximum Amount: $10,000
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
6890 Elm St, Mclean, VA, 22101
Signature
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Signature Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
Unsecured, Bill Consolidation, Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
No home improvement personal loan rates found in Virginia currently.
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.
Personal Loan — VA Avg
11.066%
▲ 0.259 vs 7 days ago
Virginia personal loan rates rose 0.259 points over the past 7 days to 11.066% APR.
Signature Loan — VA Avg
9.750%
▲ 0.056 vs 7 days ago
Virginia signature loan rates rose 0.056 points over the past 7 days to 9.750% APR.
As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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 are the best personal loan rates in Virginia?
- Arlington Community Federal Credit Union: 3.99% (New and Used: Seven Years and Newer Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Northwest Federal Credit Union: 4.59% (New 2026 Loan)
- Baylands Family Credit Union: 5.00% (Credit Builder Loan)
- United Southeast Federal Credit Union: 5.15% (Personal Loans)
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: May 22, 2026.
