Best Personal Loan Rates in Oshkosh, 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 Oshkosh, Wisconsin include: Capital Credit UnionCapital Credit Union2495 Jackson St, Oshkosh, WI, 54901A5.0 ★Texas Ratio: 7.58% offering Loans with Collateral at 4.24% APR, Fox Valley Savings BankFox Valley Savings Bank1700 W 20th Ave, Oshkosh, WI, 54902A+5.0 ★Texas Ratio: 2.02% offering New Construction Loan 12 Month Note at 5.95% APR, University of Wisconsin Credit UnionUniversity of Wisconsin Credit Union748 Algoma Blvd, Oshkosh, WI, 54901 3512A+5.0 ★Texas Ratio: 4.81% offering FHA Loans at 5.98% APR, Oshkosh Community Credit UnionOshkosh Community Credit Union250 Pearl Ave, Oshkosh, WI, 54901 4834A5.0 ★Texas Ratio: 6.62% offering Unsecured/Personal Loans at 9.20% APR, and Oshkosh Postal Employees Credit UnionOshkosh Postal Employees Credit Union1012 W 20th Ave, Oshkosh, WI, 54902 6618A+5.0 ★Texas Ratio: 0.00% offering SANTA LOAN at 10.00% APR. Personal loan rates as of April 8, 2026 according to verified data from MonitorBankRates.
Oshkosh has 8 local institutions in our database, with personal loan rates as low as 4.24% APR from Capital Credit Union at 2495 Jackson St, Oshkosh, WI, 54901. 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 Oshkosh, Wisconsin.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Oshkosh, 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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Monthly Payment per $1000; $87.77; with Direct Deposit & Autopay**
Monthly Payment per $1000; $46.12; with Direct Deposit & Autopay**
Monthly Payment per $1000; $87.77
Monthly Payment per $1000; $46.12
No additional details available.
Monthly Payment per $1000; $32.36
Monthly Payment per $1000; $25.57
As Low As
As Low As
As Low As; The advertised APR includes a one-time $25 processing fee. Loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice.
No additional details available.
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As Low As; Terms up to 60 Months based on amount borrowed.
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No additional details available.
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As Low As; Secured Loan Special: Effective: March 2, 2026. *APR equals annual percentage rate. Membership eligibility required. Not all applicants will qualify for the lowest rate. Individual credit score may affect posted rate. APR posted is based on credit score of 740 or above and maximum 125% loan to value. 2020 or newer titled, registered, or other collateral. Subject to credit approval. Existing PFCU loans are not eligible for refinancing at this rate. Rate discount for automatic payment is not available with this offer. Loan exception additional 0.50% APR maximum term 72 months. Monthly payment example based on principal and interest: rate of 3.99% APR*, 60 monthly payments of $18.41 per $1000.00 borrowed. Rate and offer are subject to change at any time. Loan application must be received by June 18, 2026. Contact a Member Relations Specialist for full details.
No additional details available.
A low 4.00% APR* to keep costs manageable
Credit Score 735+
As Low As
As Low As; The lowest rates around for your new Cycle!
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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.
Credit Score 735+
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
As Low As
***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
***Balloons note amortized up to 10 years
Intro rate expires: 18 months
Credit Score 735+
As Low As
+ 1% Credit Score 636-734
As Low As
No additional details available.
As Low As; Installation-Up to 18 Months
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.
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12 months
As Low As
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Closing Cost Credit: $500 when you refinance into a long-term mortgage with AbbyBank and meet eligibility
No additional details available.
As Low As
+ 2% Credit Score 635 or less
+ 1% Credit Score 636-734
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.
+ 2% Credit Score 635 or less
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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)
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with BLC Relationship
No additional details available.
As Low As; during construction phase.
As Low As; Construction phase loan term options (6,9, or 12 months)
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Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
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18 months
No additional details available.
As Low As
As Low As;*
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Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
No additional details available.
As Low As
without Relationship
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Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
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Based on $10,000 loan amount
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+ 2% Credit Score 635 or less
As Low As
Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
As Low As
Based on $10,000 loan amount
Boat and recreational vehicle loans require 15% down. Rates determined by credit score. Other terms available.
24 months
No additional details available.
As Low As
No additional details available.
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
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As Low As
No additional details available.
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.
As Low As
No additional details available.
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As Low As
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
As Low As
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above 24 months
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As Low As; Up to $5,000 max 36 month term
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No additional details available.
$500; As Low As
up to $7,500; As Low As
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Self-general projects are subject to a 1% origination fee
As Low As
($1,000 - $15,000)
Monthly Payment per $1000; $87.77; with Direct Deposit & Autopay**
Monthly Payment per $1000; $46.12; with Direct Deposit & Autopay**
Monthly Payment per $1000; $87.77
Monthly Payment per $1000; $46.12
Monthly Payment per $1000; $32.36
Monthly Payment per $1000; $25.57
As Low As
As Low As
12 months
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.
As Low As
18 months
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.
24 months
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.
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($1,000 - $15,000)
Oshkosh, WI Personal Loan Rate Trends
Compare local Oshkosh, 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 0.152 points over the past 7 days to 10.679% APR.
Wisconsin signature loan rates rose 0.702 points over the past 7 days to 10.721% 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 Oshkosh, Wisconsin?
What are the best personal loan rates in Oshkosh, Wisconsin?
- Capital Credit Union: 4.24% (Loans with Collateral)
- Fox Valley Savings Bank: 5.95% (New Construction Loan 12 Month Note)
- University of Wisconsin Credit Union: 5.98% (FHA Loans)
- Oshkosh Community Credit Union: 9.20% (Unsecured/Personal Loans)
- Oshkosh Postal Employees Credit Union: 10.00% (SANTA LOAN)
Personal Loan Calculators
