Best Personal Loan Rates in Virginia - July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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: Newport News Shipbuilding Employees Credit UnionNewport News Shipbuilding Employees Credit Union3711 Huntington Ave, Newport News, VA, 23607A+5.0 ★Texas Ratio: 4.17% offering INTRODUCTORY RATE OFFER Loan at 3.99% APR, Virginia Educators Credit UnionVirginia Educators Credit Union12626 Nettles Dr, Newport News, VA, 23606A+5.0 ★Texas Ratio: 0.25% offering Loans at 3.99% APR, Arlington Community Federal Credit UnionArlington Community Federal Credit Union2130 N Glebe Rd, Arlington, VA, 22207A+5.0 ★Texas Ratio: 5.63% offering NEW (Model Year 2025-2027) 48 Months Loan at 4.29% APR, Autotruck Financial Credit UnionAutotruck Financial Credit Union10800 Main St, Fairfax, VA, 22030A+5.0 ★Texas Ratio: 3.18% offering New 2025-2027 models <20,000 miles Loan at 4.74% APR, and Hopewell Chemical Federal Credit UnionHopewell Chemical Federal Credit Union702 Elm St, Hopewell, VA, 23860A+5.0 ★Texas Ratio: 1.22% offering Tractors Loan at 5.25% APR. Personal loan rates as of July 25, 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 Newport News Shipbuilding Employees Credit Union at 3711 Huntington Ave, Newport News, VA, 23607. 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: July 25, 2026
Virginia Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
INTRODUCTORY RATE OFFER Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 26, 2026
Details
Intro rate for 12 months from account opening on balance transfers from other credit cards made to your BayPort card in the first 30 days. Rates following intro period are 11.49%-18.00% based on creditworthiness and vary based on the prime rate. Foreign transaction fees of 1.10% of each transaction in U.S. dollars.
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
Loans
3.99%
▼
APR3.99%
Last UpdatedJuly 26, 2026
Details
APR up to 15.00%
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
NEW (Model Year 2025-2027) 48 Months Loan
4.29%
▼
APR4.29%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $454.18
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
NEW (Model Year 2025-2027) 60 Months Loan
4.39%
▼
APR4.39%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $371.86
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
USED (Model Year 2019-2024) 36 Months Loan
4.39%
▼
APR4.39%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $593.96
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
NEW (Model Year 2025-2027) 72 Months Loan
4.55%
▼
APR4.55%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $317.94
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
10800 Main St, Fairfax, VA, 22030
New 2025-2027 models <20,000 miles Loan
4.74%
▼
APR4.74%
Last UpdatedJuly 26, 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
OLD (Model Year 2018 & Older) 36 Months Loan
4.79%
▼
APR4.79%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $597.53
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
USED (Model Year 2019-2024) 48 Months Loan
4.79%
▼
APR4.79%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $458.69
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
USED (Model Year 2019-2024) 60 Months Loan
4.89%
▼
APR4.89%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $376.42
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 12-48 months Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
USED (Model Year 2019-2024) 72 Months Loan
5.05%
▼
APR5.05%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $322.56
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 49-60 months Loan
5.09%
▼
APR5.09%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
10800 Main St, Fairfax, VA, 22030
New 2025-2027 models <20,000 miles Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 26, 2026
Details
As Low As
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
10800 Main St, Fairfax, VA, 22030
Used 2020-2024 models Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 26, 2026
Details
As Low As
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 12-48 months Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
Loans
5.24%
▼
APR5.24%
Last UpdatedJuly 26, 2026
Details
APR up to 17.00%
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
702 Elm St, Hopewell, VA, 23860
Tractors Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 26, 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
OLD (Model Year 2018 & Older) 48 Months Loan
5.29%
▼
APR5.29%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $463.22
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 49-60 months Loan
5.34%
▼
APR5.34%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 12-48 months Loan
5.39%
▼
APR5.39%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
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 UpdatedJuly 26, 2026
Details
As low as $30.20
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 61-66 months Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 49-60 months Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Personal Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
Annual Percentage Rate
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 UpdatedJuly 26, 2026
Details
As Low As
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
Loans
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
APR up to 18.00%
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
OLD (Model Year 2018 & Older) 60 Months Loan
5.54%
▼
APR5.54%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $382.39
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
NEW (Model Year 2025-2027) 84 Months Loan
5.55%
▼
APR5.55%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $287.88
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 12-48 months Loan
5.64%
▼
APR5.64%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
10800 Main St, Fairfax, VA, 22030
Used 2020-2024 models Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 26, 2026
Details
As Low As
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 61-66 months Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 67-75 months Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 49-60 months Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
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 UpdatedJuly 26, 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
OLD (Model Year 2018 & Older) 72 Months Loan
5.79%
▼
APR5.79%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $329.48
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 61-66 months Loan
5.89%
▼
APR5.89%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
7700 Shrader Rd, Richmond, VA, 23228
Other APRs Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
Finance charges imposed beginning on day of cash advance.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 67-75 months Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
FRONT ROYAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
230 N Royal Ave, Front Royal, VA, 22630 2616
Summer Loan Special
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 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
Equity Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 26, 2026
Details
Annual Percentage Rate
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
USED (Model Year 2019-2024) 84 Months Loan
6.05%
▼
APR6.05%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $292.65
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 61-66 months Loan
6.14%
▼
APR6.14%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 67-75 months Loan
6.14%
▼
APR6.14%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 12-48 months Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
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 UpdatedJuly 26, 2026
Details
As Low As; $500 - $1,000
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 49-60 months Loan
6.34%
▼
APR6.34%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 12-48 months Loan
6.39%
▼
APR6.39%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 67-75 months Loan
6.39%
▼
APR6.39%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
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 UpdatedJuly 26, 2026
Details
No additional details available.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 49-60 months Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
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 UpdatedJuly 26, 2026
Details
As Low As
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
Loans
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 2026
Details
APR up to 19.00%
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
Loans
6.50%
▼
APR6.50%
Last UpdatedJuly 26, 2026
Details
Minimum Loan Amount: $5,000
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 UpdatedJuly 26, 2026
Details
As Low As; Loan Amount: $500 - $25,000
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 UpdatedJuly 26, 2026
Details
As low as
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 UpdatedJuly 26, 2026
Details
No additional details available.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 12-48 months Loan
6.64%
▼
APR6.64%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 12-48 months Loan
6.64%
▼
APR6.64%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 49-60 months Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 49-60 months Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 76-84 months Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 61-66 months Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
10800 Main St, Fairfax, VA, 22030
New 2026-2027 models Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 26, 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
Signature Loans
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 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
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 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
Recreational Loans
6.79%
▼
APR6.79%
Last UpdatedJuly 26, 2026
Details
As Low As*
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 61-66 months Loan
6.89%
▼
APR6.89%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
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 UpdatedJuly 26, 2026
Details
Personal Loans as low as 6.99% APR
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
11030 Hull Street Rd, Midlothian, VA, 23112
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As low as
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 UpdatedJuly 26, 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
60 months Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 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
36 months Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 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
24 months Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As Low As
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 76-84 months Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 67-75 months Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
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 UpdatedJuly 26, 2026
Details
As Low As; 6.99%
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
Personal Loan - 36 months
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Unsecured, Bill Consolidation, Signature
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
Loan Amounts: $1,000-$1500
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
Loans
7.00%
▼
APR7.00%
Last UpdatedJuly 26, 2026
Details
Minimum Loan Amount: $7,000
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 61-66 months Loan
7.14%
▼
APR7.14%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 76-84 months Loan
7.14%
▼
APR7.14%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 61-66 months Loan
7.14%
▼
APR7.14%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 67-75 months Loan
7.14%
▼
APR7.14%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
84 months Loan
7.24%
▼
APR7.24%
Last UpdatedJuly 26, 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
OLD (Model Year 2018 & Older) 84 Months Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $304.30
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
Loans
7.25%
▼
APR7.25%
Last UpdatedJuly 26, 2026
Details
As Low As; Minimum Loan Amount: $5,000
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1448 Park Ave NW, Norton, VA, 24273
New Toy Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 26, 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
7.30%
▼
APR7.30%
Last UpdatedJuly 26, 2026
Details
As Low As
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 67-75 months Loan
7.39%
▼
APR7.39%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 67-75 months Loan
7.39%
▼
APR7.39%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 76-84 months Loan
7.39%
▼
APR7.39%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
60 months Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 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
24 months Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 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
36 months Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 2026
Details
As Low As; Rates as low as 7.49% APR.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
304 Maryland Ave, Shenandoah, VA, 22849
Loans
7.50%
▼
APR7.50%
Last UpdatedJuly 26, 2026
Details
As Low As; Minimum Loan Amount: $7,000
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 12-48 months Loan
7.64%
▼
APR7.64%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
1130 W Broad St, Falls Church, VA, 22046 2114
Personal Loans
7.69%
▼
APR7.69%
Last UpdatedJuly 26, 2026
Details
As Low As; quick funding, no application fees, and no payment for 45 days
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
1018 W Main St, Charlottesville, VA, 22903 2820
Loan
7.74%
▼
APR7.74%
Last UpdatedJuly 26, 2026
Details
Up to $50,000; As Low As; 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: 2.30%
900 Hermitage Rd, Richmond, VA, 23220 2001
Unsecured/Personal Loans
7.74%
▼
APR7.74%
Last UpdatedJuly 26, 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
84 months Loan
7.74%
▼
APR7.74%
Last UpdatedJuly 26, 2026
Details
As Low As
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 49-60 months Loan
7.74%
▼
APR7.74%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
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 UpdatedJuly 26, 2026
Details
Minimum: $250; Maximum: $125,000
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1448 Park Ave NW, Norton, VA, 24273
Used Toy Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 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
Platinum Loan
7.90%
▼
APR7.90%
Last UpdatedJuly 26, 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
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
Loan Amounts: $3,001-$6,500
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 UpdatedJuly 26, 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
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
As low as; $50,000 maximum loan amount
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 UpdatedJuly 26, 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
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Minimum loan amount $500+
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 76-84 months Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
10800 Main St, Fairfax, VA, 22030
New 2026-2027 models Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 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
Personal Loan Promo (up to 48 months)
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
10800 Main St, Fairfax, VA, 22030
Used 2020-2025 models Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
Minimum: $250; Maximum: $125,000
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 UpdatedJuly 26, 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
Loans
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
As Low As; Minimum Loan Amount: $15,000
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
3636 High St, Portsmouth, VA, 23707
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
As Low As; Rate A
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6320 Logans Ln, Lynchburg, VA, 24502
Blue Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
As Low As; Variable; $500 to $3,000
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
NEW (Model Year 2025-2027) 96 Months Loan
8.09%
▼
APR8.09%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $283.65
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 61-66 months Loan
8.14%
▼
APR8.14%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 76-84 months Loan
8.14%
▼
APR8.14%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
10800 Main St, Fairfax, VA, 22030
New 2026-2027 models Loan
8.24%
▼
APR8.24%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
APR 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 UpdatedJuly 26, 2026
Details
Minimum: $250; Maximum: $125,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedJuly 26, 2026
Details
As Low As; Minimum loan amount $2,500+
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1448 Park Ave NW, Norton, VA, 24273
Used Toy Loan
8.25%
▼
APR8.25%
Last UpdatedJuly 26, 2026
Details
As low as
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 76-84 months Loan
8.39%
▼
APR8.39%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 67-75 months Loan
8.39%
▼
APR8.39%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Over 6 Years Old 76-84 months Loan
8.39%
▼
APR8.39%
Last UpdatedJuly 26, 2026
Details
As Low As; 17.99%
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 UpdatedJuly 26, 2026
Details
Minimum: $250; Maximum: $125,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedJuly 26, 2026
Details
As Low As; Minimum loan amount $3,000+
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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 UpdatedJuly 26, 2026
Details
As Low As; Please call RVA Financial at (804) 359-8754 for our most current rates.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
New 2025+ Under 10,000 Miles 85-120 months Loan
8.49%
▼
APR8.49%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
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
8.49%
▼
APR8.49%
Last UpdatedJuly 26, 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
8.49%
▼
APR8.49%
Last UpdatedJuly 26, 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
USED (Model Year 2019-2024) 96 Months Loan
8.59%
▼
APR8.59%
Last UpdatedJuly 26, 2026
Details
As Low As; Sample Monthly Payment for $20,000†: $288.77
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 UpdatedJuly 26, 2026
Details
As Low As; Limited time offer; $500 - $20,000
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 UpdatedJuly 26, 2026
Details
No additional details available.
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8300 Arlington Blvd, Fairfax, VA, 22031
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 26, 2026
Details
As Low As; APR = Annual Percentage Rate.
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 UpdatedJuly 26, 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
Signature Loans
8.79%
▼
APR8.79%
Last UpdatedJuly 26, 2026
Details
No additional details available.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
3711 Huntington Ave, Newport News, VA, 23607
Used Up to 6 Years Old 85-120 months Loan
8.89%
▼
APR8.89%
Last UpdatedJuly 26, 2026
Details
APR* up to 18.00%
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 UpdatedJuly 26, 2026
Details
As Low As; APRs ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.
Powered by
MonitorBankRates
Virginia Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 UpdatedJuly 26, 2026
Details
As low as $30.20
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Personal Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 26, 2026
Details
Annual Percentage Rate
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 UpdatedJuly 26, 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
6.49%
▼
APR6.49%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
As Low As; Loan Amount: $500 - $25,000
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
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
As Low As
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
11030 Hull Street Rd, Midlothian, VA, 23112
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
Personal Loans as low as 6.99% APR
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
Loan Amounts: $1,000-$1500
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 UpdatedJuly 26, 2026
Details
As Low As; 6.99%
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
Personal Loan - 36 months
6.99%
▼
APR6.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Unsecured, Bill Consolidation, Signature
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
7.30%
▼
APR7.30%
Last UpdatedJuly 26, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 26, 2026
Details
As Low As; Rates as low as 7.49% APR.
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 UpdatedJuly 26, 2026
Details
No additional details available.
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
1130 W Broad St, Falls Church, VA, 22046 2114
Personal Loans
7.69%
▼
APR7.69%
Last UpdatedJuly 26, 2026
Details
As Low As; quick funding, no application fees, and no payment for 45 days
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 UpdatedJuly 26, 2026
Details
Minimum: $250; Maximum: $125,000
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
7.74%
▼
APR7.74%
Last UpdatedJuly 26, 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 UpdatedJuly 26, 2026
Details
As low as; $50,000 maximum loan amount
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 UpdatedJuly 26, 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
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 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
Personal Loan Promo (up to 48 months)
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 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
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
Loan Amounts: $3,001-$6,500
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 UpdatedJuly 26, 2026
Details
Minimum: $250; Maximum: $125,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 26, 2026
Details
As Low As; Minimum loan amount $500+
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
3636 High St, Portsmouth, VA, 23707
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedJuly 26, 2026
Details
As Low As; Rate A
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 UpdatedJuly 26, 2026
Details
APR 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 UpdatedJuly 26, 2026
Details
Minimum: $250; Maximum: $125,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedJuly 26, 2026
Details
As Low As; Minimum loan amount $2,500+
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
8.49%
▼
APR8.49%
Last UpdatedJuly 26, 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
8.49%
▼
APR8.49%
Last UpdatedJuly 26, 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
8.49%
▼
APR8.49%
Last UpdatedJuly 26, 2026
Details
As Low As; Minimum loan amount $3,000+
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 UpdatedJuly 26, 2026
Details
As Low As; Please call RVA Financial at (804) 359-8754 for our most current rates.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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 UpdatedJuly 26, 2026
Details
Minimum: $250; Maximum: $125,000
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 UpdatedJuly 26, 2026
Details
No additional details available.
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8300 Arlington Blvd, Fairfax, VA, 22031
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 26, 2026
Details
As Low As; APR = Annual Percentage Rate.
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 UpdatedJuly 26, 2026
Details
As Low As
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 UpdatedJuly 26, 2026
Details
As Low As; APRs ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.
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Virginia Debt Consolidation Loan Rates
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
Fixed Term Signature Loan Debt Consolidation Special
8.74%
▼
APR8.74%
Last UpdatedJuly 26, 2026
Details
As Low As; Limited time offer; $500 - $20,000
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 UpdatedJuly 26, 2026
Details
No additional details available.
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 UpdatedJuly 26, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Virginia Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
900 Hermitage Rd, Richmond, VA, 23220 2001
Signature Loans
6.75%
▼
APR6.75%
Last UpdatedJuly 26, 2026
Details
As Low As
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 UpdatedJuly 26, 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
7.90%
▼
APR7.90%
Last UpdatedJuly 26, 2026
Details
No additional details available.
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 UpdatedJuly 26, 2026
Details
As Low As; Limited time offer; $500 - $20,000
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 UpdatedJuly 26, 2026
Details
No additional details available.
Powered by
MonitorBankRates
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
10.992%
▼ 0.013 vs 7 days ago
Virginia personal loan rates fell 0.013 points over the past 7 days to 10.992% APR.
Signature Loan — VA Avg
9.884%
▲ 0.125 vs 7 days ago
Virginia signature loan rates rose 0.125 points over the past 7 days to 9.884% APR.
As of Jul 26, 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?
- Newport News Shipbuilding Employees Credit Union: 3.99% (INTRODUCTORY RATE OFFER Loan)
- Virginia Educators Credit Union: 3.99% (Loans)
- Arlington Community Federal Credit Union: 4.29% (NEW (Model Year 2025-2027) 48 Months Loan)
- Autotruck Financial Credit Union: 4.74% (New 2025-2027 models <20,000 miles Loan)
- Hopewell Chemical Federal Credit Union: 5.25% (Tractors 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: July 25, 2026.
