Best Personal Loan Rates in Williamsburg, Virginia (VA) - May 2026
Brian McKay
Brian McKay
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Current personal loan options available to borrowers in Williamsburg, Virginia include: 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, 1st Advantage Federal Credit Union1st Advantage Federal Credit Union224 Commons Way, Williamsburg, VA, 23185A+5.0 ★Texas Ratio: 2.69% offering Credit Builder Loan at 6.25% APR, Langley Federal Credit UnionLangley Federal Credit Union5220 Monticello Ave, Williamsburg, VA, 23188A5.0 ★Texas Ratio: 9.72% offering VA 30 Loan at 6.42% APR, Newport News Shipbuilding Employees Credit UnionNewport News Shipbuilding Employees Credit Union4171 Ironbound Rd, Williamsburg, VA, 23188A+5.0 ★Texas Ratio: 4.17% offering Personal Loan at 12.24% APR, and Arlington Community Federal Credit UnionArlington Community Federal Credit UnionA+5.0 ★Texas Ratio: 5.63% offering New and Used: Seven Years and Newer Loan at 3.99% APR. Personal loan rates as of May 22, 2026 according to verified data from MonitorBankRates.
Williamsburg has 4 local institutions in our database, with personal loan rates as low as 5.00% APR from Baylands Family Credit Union at 7031 Richmond Rd, Williamsburg, VA, 23188 7214. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Williamsburg, Virginia.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Williamsburg, 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
above dividend rate earned by 12 Month Share Certificate
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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.
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As Low As; Borrowed Amount: $300 - $20,000; Approximate Term: Up to 84 months
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As Low As; Borrowed Amount: $300 - $20,000; Approximate Term: Up to 84 months
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up to 180 months
up to 240 months
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As Low As; 60 month fixed rate. Offer available for a limited time. Up to 80% Loan to Value.
$1,500
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As Low As; Maximum $3,000
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As Low As; 120 month fixed rate. Offer available for a limited time. Up to 90% Loan to Value.
As Low As; Loan Amount: $500 - $25,000
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As Low As; Special fixed up to 15 months!
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As Low As; Regular APR: 10.090%
30-Year Rates As Low As; Primary Residence
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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.
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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.
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As Low As; Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate.
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As Low As; Fixed up to 36 months
As Low As; Fixed APR
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Maximum Amount: $10,000
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As Low As; - $50,000 maximum loan amount
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As Low As; up to $20,000
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As Low As; Lowest rate available with qualifying credit. Your rate is based on creditworthiness.
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Maximum Amount: $10,000
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As Low As; Loan Amount: $500-$40,000
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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.
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As Low As; Borrowed Amount: $300 - $20,000; Approximate Term: Up to 84 months
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As Low As; Borrowed Amount: $300 - $20,000; Approximate Term: Up to 84 months
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As Low As; Maximum $3,000
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As Low As; Loan Amount: $500 - $25,000
As Low As; Special fixed up to 15 months!
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As Low As; Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate.
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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.
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As Low As; Fixed up to 36 months
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As Low As; - $50,000 maximum loan amount
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As Low As; Loan Amount: $500-$40,000
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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.
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As Low As; Limited time offer
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As Low As; Limited time offer
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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.
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Maximum Amount: $10,000
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As Low As; up to $20,000
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Maximum Amount: $10,000
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Williamsburg, VA Personal Loan Rate Trends
Compare local Williamsburg, VA personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Virginia personal loan rates rose 0.259 points over the past 7 days to 11.066% APR.
Virginia signature loan rates rose 0.056 points over the past 7 days to 9.750% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Williamsburg, 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 Williamsburg, 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 Williamsburg, 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?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Virginia?
Are credit unions or banks better for personal loans in Williamsburg, Virginia?
What are the best personal loan rates in Williamsburg, Virginia?
- Baylands Family Credit Union: 5.00% (Credit Builder Loan)
- 1st Advantage Federal Credit Union: 6.25% (Credit Builder Loan)
- Langley Federal Credit Union: 6.42% (VA 30 Loan)
- Newport News Shipbuilding Employees Credit Union: 12.24% (Personal Loan)
- Arlington Community Federal Credit Union: 3.99% (New and Used: Seven Years and Newer Loan)
Williamsburg, Virginia Rates & Resources
Personal Loan Calculators
