Best Personal Loan Rates in Madison, Wisconsin (WI) - April 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 Madison, Wisconsin include: Lake Ridge BankLake Ridge Bank1965 Atwood Ave, Madison, WI, 53704A+5.0 ★Texas Ratio: 3.24% offering 1 Year Construction Loan at 4.83% APR, The Park BankThe Park Bank2401 S Park St, Madison, WI, 53713A5.0 ★Texas Ratio: 6.36% offering Construction Loans at 4.94% APR, Pentagon Federal Credit UnionPentagon Federal Credit Union151 W Corporate DR, Madison, WI, 53714 2409A5.0 ★Texas Ratio: 10.64% offering VA Loan at 5.91% APR, University of Wisconsin Credit UnionUniversity of Wisconsin Credit Union3500 University Ave, Madison, WI, 53705A+5.0 ★Texas Ratio: 4.81% offering FHA Loans at 5.98% APR, and WEA Credit UnionWEA Credit Union33 Nob Hill Rd, Madison, WI, 53713A+5.0 ★Texas Ratio: 1.52% offering New Rec Personal Loans at 6.50% APR. Personal loan rates as of April 8, 2026 according to verified data from MonitorBankRates.
Madison has 11 local institutions in our database, with personal loan rates as low as 4.83% APR from Lake Ridge Bank at 1965 Atwood Ave, Madison, WI, 53704. 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 Madison, Wisconsin.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Madison, 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: April 8, 2026
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As Low As
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Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
As Low As; Rates as low as 5.625% (6.508% APR)
As Low As
Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
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$500; As Low As
$500; As Low As
Maximum loan amount, rates determined by credit score.
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As Low As
No additional details available.
Maximum loan amount, rates determined by credit score.
$500; As Low As
Maximum loan amount, rates determined by credit score.
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$500; As Low As
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A low 4.00% APR* to keep costs manageable
Credit Score 735+
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As Low As
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As Low As; The lowest rates around for your new Cycle!
As Low As
Credit Score 735+
As Low As; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 03/10/2026.
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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Must have Wolf River Community Bank checking account with direct deposit and automatic payment; One promotional rate per individual or entity; Valid on residential lots in Wisconsin only; Maximum loan amount of $100,000; New money only, subject to credit approval
***Balloons note amortized up to 10 years
***Balloons note amortized up to 10 years
***Balloons note amortized up to 10 years
No additional details available.
+ 1% Credit Score 636-734
No additional details available.
***Balloons note amortized up to 10 years
Intro rate expires: 18 months
+ 1% Credit Score 636-734
Credit Score 735+
As Low As
As Low As
As Low As; APR is based on <=90% loan to value. Requires monthly interest payments. Contact a loan officer for more details. Rates effective 03/10/2026.
As Low As
As Low As; Installation-Up to 18 Months
No additional details available.
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Closing Cost Credit: $500 when you refinance into a long-term mortgage with AbbyBank and meet eligibility
As Low As
+ 2% Credit Score 635 or less
As Low As
No additional details available.
Maximun 15-yr term. Maximum loan is 90% of appraised value or purchase price - whichever is less. Maximum loan is $500,000.00. Lots can be in a subdivision. Land is for recreatioanl purpose or future, primary, single-family residence.
As Low As
+ 1% Credit Score 636-734
+ 2% Credit Score 635 or less
with BLC Relationship
No additional details available.
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As Low As; during construction phase.
As Low As; Construction phase loan term options (6,9, or 12 months)
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As Low As;*
As Low As
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As Low As
without Relationship
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Based on $10,000 loan amount
+ 2% Credit Score 635 or less
As Low As
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Based on $10,000 loan amount
As Low As
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As Low As
Adjustments are calculated by adding 3.50% to the Current Index. Current Index is the weekly average yield on the US Treasury securities adjusted to a constant maturity of one year. Adjustments are limited to 2.00% points per adjustment with a rate cap of 6.0% above the initial/floor rate.
As Low As; Up to $15,000
As Low As; Up to $50,000
No additional details available.
As Low As
Based on $10,000 loan amount
Only 5% Down; Zero origination fees; Interest-only payments during construction
Based on $10,000 loan amount
Adjustments are calculated by adding 3.50% to the Current Index. Current Index is the weekly average yield on the US Treasury securities adjusted to a constant maturity of one year. Adjustments are limited to 2.00% points per adjustment with a rate cap of 6.0% above the initial/floor rate.
No additional details available.
As Low As
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Limited time offer based on capacity to repay. Personal loan example: 48 monthly payments of $24.77 per $1,000 borrowed at 8.75% APR. All loans are subject to approval.
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As Low As; Up to $5,000 max 36 month term; New money only. Offer can not be combined with existing loans. Repayment example: $1,000.00 at 8.99% for 12 months is $87.45. Rates and terms are subject to credit approval. Offer expires 04/30/2026.
No additional details available.
As Low As
above 24 months
As Low As
As Low As
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As Low As
As Low As
up to $7,500; As Low As
Monthly Payment per $1000; $87.77; with Direct Deposit & Autopay**
No additional details available.
As Low As
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Monthly Payment per $1000; $46.12; with Direct Deposit & Autopay**
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As Low As
As Low As
No additional details available.
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Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
No additional details available.
Maximum loan amount, rates determined by credit score.
As Low As
As Low As
No additional details available.
Maximum loan amount, rates determined by credit score.
Maximum loan amount, rates determined by credit score.
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As Low As
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As Low As; Up to $50,000
Limited time offer based on capacity to repay. Personal loan example: 48 monthly payments of $24.77 per $1,000 borrowed at 8.75% APR. All loans are subject to approval.
As Low As
above 24 months
No additional details available.
As Low As
Monthly Payment per $1000; $87.77; with Direct Deposit & Autopay**
Monthly Payment per $1000; $46.12; with Direct Deposit & Autopay**
As Low As
As Low As
As Low As
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Maximum loan amount, rates determined by credit score.
No additional details available.
Maximum loan amount, rates determined by credit score.
Maximum loan amount, rates determined by credit score.
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As Low As
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Madison, WI Personal Loan Rate Trends
Compare local Madison, WI 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 0.942 points over the past 7 days to 11.140% APR.
Wisconsin signature loan rates fell 0.492 points over the past 7 days to 10.675% APR.
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 Madison, Wisconsin?
What are the best personal loan rates in Madison, Wisconsin?
- Lake Ridge Bank: 4.83% (1 Year Construction Loan)
- The Park Bank: 4.94% (Construction Loans)
- Pentagon Federal Credit Union: 5.91% (VA Loan)
- University of Wisconsin Credit Union: 5.98% (FHA Loans)
- WEA Credit Union: 6.50% (New Rec Personal Loans)
Personal Loan Calculators
