Best Personal Loan Rates in Wisconsin - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Wisconsin include: PCM Credit UnionPCM Credit Union601 Willard Dr, Green Bay, WI, 54304A+5.0 ★Texas Ratio: 3.56% offering Collateral Loans at 3.99% APR, Prospera Credit UnionProspera Credit Union4830 N Ballard Rd, Appleton, WI, 54913A+5.0 ★Texas Ratio: 2.14% offering Special Intro Rate Loan at 3.99% APR, Oakdale Credit UnionOakdale Credit Union128 E Badger Dr, Tomah, WI, 54660A+5.0 ★Texas Ratio: 0.42% offering Recreational - Used Loan at 3.99% APR, Wolf River Community BankWolf River Community Bank309 E Main St, Hortonville, WI, 54944A+5.0 ★Texas Ratio: 1.13% offering Flood Relief Loan at 4.00% APR, and Oshkosh Community Credit UnionOshkosh Community Credit Union250 Pearl Ave, Oshkosh, WI, 54901 4834A5.0 ★Texas Ratio: 6.27% offering Up to 36 months Loan at 4.23% 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 Wisconsin side-by-side. Wisconsin personal loan rates currently start as low as 3.99% APR from PCM Credit Union at 601 Willard Dr, Green Bay, WI, 54304. 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 Wisconsin.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Wisconsin. 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
Wisconsin Personal Loan Rates
Credit Score 735+; + 1%
Intro rate expires: 12 months; Regular APR: 5.99%3
No additional details available.
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$5,000 unsecured loan. No payments for 90 days. No origination fee. Fast approval. Applications accepted through August 1, 2026.
No additional details available.
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Credit Score 735+; + 1%
No additional details available.
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The lowest rates around for your new Cycle!
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As low as; Age of Vehicle: New - 2017
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12 payments of Interest Only on the amount of credit outstanding during the construction period at an interest rate of 3.890% one payment of $375,000 and any unpaid interest due at maturity
No additional details available.
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Monthly Payment Per $1000 Borrowed: $43.82
As Low As; Minimum Loan Amount: $500
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As Low As; 3.79%
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Rates as low as:**
Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
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Rates as low as:**
As Low As; Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). $15,000 minimum loan on balloon terms. Affordable terms from 10 to 30 years.
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Credit Score 636-734; + 2%
No additional details available.
No additional details available.
Get a LOT for a little with our 4.99% APR residential lot loan!
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***Balloons note amortized up to 10 years
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***Balloons note amortized up to 10 years
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***Balloons note amortized up to 10 years
Credit Score 735+; + 1%
up to $15,000; As Low as; Loan amount up to $15,000
No additional details available.
Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.
***Balloons note amortized up to 10 years
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As Low As; Minimum Loan Amount: $5,000
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Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. As Low As; Rates as of 07/06/2026 at 8:41 AM. Subject to change without notice.
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As low as; Age of Vehicle: New - 2017
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No additional details available.
up to $15,000; As Low as; Loan amount up to $15,000
Rates as low as:**
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APR = Annual Percentage Rate. Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. NMLS ID #421669.
APR = Annual Percentage Rate. Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. NMLS ID #421669.
APR = Annual Percentage Rate. Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. NMLS ID #421669.
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As Low As; Minimum Loan Amount: $10,000
Rates As Low As?
Monthly Payment Per $1000 Borrowed: $30.26
Rates As Low As?
Credit Score: 780 - 799
Credit Score: 800 & Higher
up to $15,000; As Low as; Loan amount up to $15,000
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Rates As Low As?
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Credit Score: 760 - 779
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B
Credit Score: 740 - 759
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No additional details available.
No additional details available.
Intro rate expires: 12 months; Regular APR: 5.99%3
Monthly Payment Per $1000 Borrowed: $23.48
As Low As; ***Monthly Payment Per $1000 Borrowed: $44.87
APR range between 9.90% and 16.90% based on credit worthiness; your actual rate will be disclosed at time of approval. Minimum monthly payment of $20.00 or 3% of the outstanding balance, whichever is greater. No annual fee charged. Transfer your balances today with no balance transfer fee. Minimum of $100 must be transferred. Contact a loan officer for more details at (920)729-2999. Rates effective 07/16/2026.
As Low As; Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). $15,000 minimum loan on balloon terms. Affordable terms from 10 to 30 years.
No additional details available.
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Credit Score 635 or less; + 1%
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Monthly Payment Per $1000 Borrowed: $19.46 (60 Months)
As Low As; Minimum Loan Amount: $15,000
No additional details available.
Credit Score 636-734; + 2%
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As Low As; LTV 80% or Less. First or s econd lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required. Minimum payment shall be: $150.00 or $1.50 per $100.00 (and fraction thereof) of the principal loan balance as of the date of the most recent advance.
No additional details available.
Wisconsin Personal Loan Rates
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Wisconsin Debt Consolidation Loan Rates
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
As Low As; *APR = Annual Percentage Rate; APY = Annual Percentage Yield. **Your rate may differ from the rates listed above and will be based on your credit rating. Rates are subject to change.
Wisconsin Signature Loan Rates
Wisconsin Personal Loan Rate Trends
Compare local Wisconsin 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.
Wisconsin personal loan rates rose 0.403 points over the past 7 days to 11.247% APR.
Wisconsin signature loan rates fell 0.255 points over the past 7 days to 10.716% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wisconsin 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 Wisconsin 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 Wisconsin. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in WI.
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 Wisconsin?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Wisconsin?
Are credit unions or banks better for personal loans in Wisconsin?
What are the best personal loan rates in Wisconsin?
- PCM Credit Union: 3.99% (Collateral Loans)
- Prospera Credit Union: 3.99% (Special Intro Rate Loan)
- Oakdale Credit Union: 3.99% (Recreational - Used Loan)
- Wolf River Community Bank: 4.00% (Flood Relief Loan)
- Oshkosh Community Credit Union: 4.23% (Up to 36 months Loan)
