Current Personal Loan Rates
Today's personal loan APR from credit unions across the United States, re-verified daily and ranked by true cost — never affiliate revenue.
Developers & AI agents: this data is available as JSON at GET https://api.rateapi.dev/v1/benchmarks?product_type=personal_loan — free API key in one request (POST https://api.rateapi.dev/keys, email only). MCP server: rateapi.dev/mcp.
The median personal loan rate is 9.500% APR as of August 20, 2026, across 1818 credit unions. The lowest available rate is 1.000% APR from Amherst (NY).
Rate Overview
Personal Loan Rate Summary
Median and lowest APR across 1818 credit unions, verified August 20, 2026
| Product | Median APR | Lowest APR | Lowest Institution | Institutions |
|---|---|---|---|---|
| Personal Loan | 9.500% | 1.000% | Amherst NY | 1818 |
Source: RateAPI credit union benchmarks, measured August 20, 2026. APR includes points and fees where published.
Explore
Go Deeper
- Browse Personal Loan Rates by state → — per-state personal loan coverage and lender detail.
- RateAPI Credit Union Rate Index → — the dated national median for every major product in one place.
- Methodology → — how RateAPI collects, normalizes, and verifies rate data.
FAQ
Frequently Asked Questions
Current Personal Loan Rates — FAQ
As of August 20, 2026, the median personal loan rate from credit unions is 9.500% APR across 1818 credit unions. The lowest available rate is 1.000% APR from Amherst (NY).
RateAPI re-verifies personal loan rate sheets from credit unions daily. Every figure on this page is dated to the exact timestamp of the data it was computed from.
Credit unions are member-owned, not-for-profit institutions that return earnings to members through lower rates and fewer fees. RateAPI ranks every option by true cost — never by who pays for placement.
Yes. The same data is available from the RateAPI benchmarks REST endpoint (GET /v1/benchmarks) and the RateAPI MCP server for AI agents. A free tier is available with an email-verified API key.
Get Personal Loan Rate Data via API
Access current personal loan rates from credit unions programmatically. Free tier available. Zero affiliate bias.