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, Bay Shore Credit UnionBay Shore Credit Union1514 Cleveland Ave, Marinette, WI, 54143 3921A+5.0 ★Texas Ratio: 0.86% offering Spring Loan Special 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, Focus Credit UnionFocus Credit UnionN88W14930 Main St, Menomonee Falls, WI, 53051 3130A+5.0 ★Texas Ratio: 3.32% offering New Motorcyle Loans at 4.29% APR, and Mound City BankMound City Bank25 E Pine St, Platteville, WI, 53818A+5.0 ★Texas Ratio: 0.03% offering 12 Month Construction Loan at 4.49% APR. Personal loan rates as of July 6, 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 6, 2026
Wisconsin Personal Loan Rates
Credit Score 735+
Purchases or Refinance from another financial institution. Certain restrictions apply. See a Loan Officer for Details!
No payments for 90 days. No origination fee. Fast approval. Applications accepted through August 1, 2026.
Credit Score 735+
The lowest rates around for your new Cycle!
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.
As Low As
As Low As
As Low As
As Low As*
Get the financing you need to build your dream home, with options starting at as little as 5% down.
As Low As
Credit Score 636-734
No additional details available.
Credit Score 735+ + 1%
No additional details available.
As Low As; 11
1-year term with conversion to 5-year ARM after completion. Maximum 90% LTV. $1,600 closing cost + cost of title.
No additional details available.
As Low As*
No additional details available.
100% Max LTV
Credit Score: 780 - 799
Credit Score: 800 & Higher
No additional details available.
Credit Score: 760 - 779
As Low as
No additional details available.
Credit Score: 740 - 759
No additional details available.
As Low As
No additional details available.
Credit Score 635 or less
90% Max LTV
As Low As*
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 05/29/2026.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As*
Credit Score 636-734 + 2%
No additional details available.
As Low As; Federal Housing Administration loan paid off in a set number of years (term), typically 30 or 15 years. The interest rate remains the same for the entire life of the mortgage.
20% Down on $200,000 Mortgage, 30 year Amortization 60 monthly payments of $1,247.74 Balloon payment of $187,943.63
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low as
As Low As*
For $20,000, the monthly payment will be approximately $229.00.
Rates as low as 3.99% during construction phase.
Credit Score: 720 - 739
As Low As
No additional details available.
As Low As
As Low As; 11
No additional details available.
As Low As
As Low As
As Low As; Rates effective March 13, 2026. See Loan Rate Schedule for full details.
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
No additional details available.
As Low As; Minimum Loan Amount: $500
As Low As; Veterans Affairs loan paid off in a set number of years (term), typically 30 or 15 years. The interest rate remains the same for the entire life of the mortgage.
As Low As; Minimum Loan Amount: $5,000
Under $25,000
Credit Score 635 or less + 1%
As Low As
As Low As; Minimum Loan Amount: $10,000
As Low as
Credit Score: 700 - 779
Over $25,000
Credit Score: 680 - 699
As Low As; Minimum Loan Amount: $15,000
No additional details available.
As Low As; 11
No additional details available.
As Low As
up to $15,000; As Low as
As Low As; Minimum Loan Amount: $20,000
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Grace Period: 25 Days
Grace Period: 25 Days
Grace Period: 25 Days
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As; Other rates and terms available. Rates subject to change without notice. Not all applicants will qualify for the lowest rate, all loans subject to credit approval. Membership eligibility required.
As Low As; Rates effective as of 05/29/2026. Rates subject to change without notice.
$500; As Low As
Under $25,000
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Credit Score: 660 - 679
As Low As; Minimum Loan Amount: $20,000
As Low As
As Low As
As Low As
As Low As
No additional details available.
$500; As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
APR = Annual Percentage Rate.
As Low As
Unsecured loan rate as low as 10% for limits less than $2000. Terms at 12 months.
Maximum value of the loan can be no greater than $500.00.
As Low As; Amount: $1,000.00
No additional details available.
As Low As
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
$500; As Low As
No additional details available.
$500; As Low As
up to $15,000; As Low as
As Low As; Minimum Loan Amount: $20,000
No additional details available.
Over $25,000
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Annual Percentage Rate (APR) includes a one-time $25 processing fee. Loans currently financed with PCU are not eligible. Membership eligibility required.
Over $25,000
Credit Score 735+ + 1%
As Low As; APR*
$5,000
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As*
Variable Rate: Prime Rate + 4.99% APR
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
No additional details available.
APR = Annual Percentage Rate.
Credit Score 735+ + 1%
Credit Score 636-734 + 3%
Go on vacation, pay some bills, have some fun!
As Low as
Credit Score: 640 - 659
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Variable Rate: Prime Rate + 5.99% APR
Call for Details
Credit Score Tier B
APR = Annual Percentage Rate.
Credit Score 636-734 + 3%
Up to $5,000; As Low As
open ended
Wisconsin Personal Loan Rates
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; Rates effective March 13, 2026. See Loan Rate Schedule for full details.
No additional details available.
No additional details available.
As Low As
As Low As
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
No additional details available.
No additional details available.
No additional details available.
$5,000
As Low As*
No additional details available.
Wisconsin Debt Consolidation Loan Rates
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Wisconsin Signature Loan Rates
As Low As
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
As Low As; Rates effective as of 05/29/2026. Rates subject to change without notice.
As Low As
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Credit Score 735+ + 1%
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Credit Score 636-734 + 3%
Go on vacation, pay some bills, have some fun!
Up to $5,000; As Low As
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 currently average 11.429% APR.
Wisconsin signature loan rates currently average 10.930% 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)
- Bay Shore Credit Union: 3.99% (Spring Loan Special)
- Wolf River Community Bank: 4.00% (Flood Relief Loan)
- Focus Credit Union: 4.29% (New Motorcyle Loans)
- Mound City Bank: 4.49% (12 Month Construction Loan)
