Best Personal Loan Rates in Wisconsin - June 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: 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, PCM Credit UnionPCM Credit Union601 Willard Dr, Green Bay, WI, 54304A+5.0 ★Texas Ratio: 3.56% offering Collateral Loan 48 Months at 3.99% APR, Governmental Employees Credit UnionGovernmental Employees Credit Union225 La Crosse St, La Crosse, WI, 54601 3253A5.0 ★Texas Ratio: 6.35% offering 2025 and newer (<15,000 miles) Loan 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, and Premier Financial Credit UnionPremier Financial Credit UnionPO Box 158, New Holstein, WI, 53061 0158A+5.0 ★Texas Ratio: 5.06% offering Spring Fling Loan Special at 3.99% APR. Personal loan rates as of June 11, 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 Oakdale Credit Union at 128 E Badger Dr, Tomah, WI, 54660. 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: June 11, 2026
Wisconsin Personal Loan Rates
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Intro rate expires: 12 months from opening account. Balance transfers from another Prospera card do not qualify.
As Low As; Special
No payments for 90 days; No origination fee; $5,000 unsecured loan; Offer valid with new personal loans only and subject to normal underwriting criteria. This loan may be changed or discontinued at any time. Applications must be received by August 1, 2026.
with Direct Deposit & Autopay**: 3.73%
with Direct Deposit & Autopay**: 3.73%
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As Low As; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 05/29/2026.
As Low As; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 05/29/2026.
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The lowest rates around for your new Cycle!
As Low As; Minimum Loan Amount: $500
No additional details available.
As Low As; The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay.
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As Low As; The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay.
with Direct Deposit & Autopay**: 3.98%
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As Low As; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 05/29/2026.
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As Low As; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 05/29/2026.
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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
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As Low As; Minimum Loan Amount: $500
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As Low As; Minimum Loan Amount: $5,000
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As Low As; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 05/29/2026.
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As Low As; Minimum Loan Amount: $500
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Qualifications Required: Bank of Brodhead checking account with direct deposit required; Rate example of 2.99% interest rate with an Annual Percentage Rate (APR) of 4.928% is based on a $270,000 construction loan with a 12-month interest only construction period with a final balloon payment of all unpaid principal and interest. Actual APR may be higher. Bank of Brodhead checking account with direct deposit required. 10% down payment required for primary residence construction. 20% down payment required for second homes. Rate subject to credit approval, not all borrowers will qualify. Fees and closing costs apply. Rate subject to change without notice.
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As Low As; Rates starting at 5% down.
As Low As; Minimum Loan Amount: $5,000
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with Direct Deposit & Autopay**: 4.48%
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As Low As; Minimum Loan Amount: $5,000
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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. Contact a loan officer for more details.
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+ 1% Credit Score 636-734
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As Low As; over the index. Index is the prime lending rate as published in the Wall Street Journal
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***Balloons note amortized up to 10 years
As Low As; Minimum Loan Amount: $10,000
***Balloons note amortized up to 10 years
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***Balloons note amortized up to 10 years
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+ 1% Credit Score 636-734
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***Balloons note amortized up to 10 years
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As Low As; Minimum Loan Amount: $5,000
As Low As; Minimum Loan Amount: $10,000
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As Low As; Minimum Loan Amount: $15,000
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As Low As; Minimum Loan Amount: $10,000
As Low As; Annual Percentage Rate (APR) includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Membership eligibility required. Rates subject to change without notice.
2-year ARM minimum $25K (APR based on $100K). 15-year amortization. $1,600 closing cost. Maximum 90% LTV on purchases and maximum 80% on refinance.
with Direct Deposit & Autopay** 4.98%
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Minimum Amount Financed: $15,000
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Rates as low as:**
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As Low As; The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay.
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As Low As; Minimum Loan Amount: $10,000
Rates As Low As
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with Direct Deposit & Autopay** 5.23%
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Wisconsin Personal Loan Rates
Wisconsin Debt Consolidation Loan Rates
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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 0.358 points over the past 7 days to 11.297% APR.
Wisconsin signature loan rates fell 0.249 points over the past 7 days to 10.681% 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?
- Oakdale Credit Union: 3.99% (Recreational - Used Loan)
- PCM Credit Union: 3.99% (Collateral Loan 48 Months)
- Governmental Employees Credit Union: 3.99% (2025 and newer (<15,000 miles) Loan)
- Prospera Credit Union: 3.99% (Special Intro Rate Loan)
- Premier Financial Credit Union: 3.99% (Spring Fling Loan Special)
