Personal Loan Rates in Lowell
Compare unsecured personal loan rates from credit unions serving Lowell, Massachusetts. Today's best rate: 1.00% APR. Ranked by true cost with zero affiliate bias.
Lowell personal loan rates range from 1.00% to 18.00% APR. Data from 85 credit unions serving Massachusetts, updated August 2026.
Source: RateAPI.dev
Top Credit Unions for Lowell Personal Loans
Ranked by lowest APR. Based on a $15,000 loan over 48 months.
| Credit Union | Rate | APR | Est. Payment | |
|---|---|---|---|---|
Somerville Municipal Credit Union Share-Secured Loan | 2.05% | 2.05% | $326/mo | Visit Site |
Attleboro M E Credit Union Featured Rates (Account Secured Loans) | 3% | 3% | $332/mo | Visit Site |
Burlington Municipal Employees Credit Union Share-Secured Loan | 3% | 3% | $332/mo | Visit Site |
Allcom Credit Union Share Secured 3% above share rate/Various Terms | 3.02% | 3.02% | $332/mo | Visit Site |
Lynn Firemens Credit Union Share-Secured Loan | 3.1% | 3.1% | $333/mo | Visit Site |
How to Get the Best Personal Loan Rate in Lowell
A personal loan is an unsecured, fixed-rate installment loan — no collateral required. Credit unions serving Lowell often price them below banks and online lenders. Here's how to qualify for the best rate:
Check Your Credit Score
Scores above 720 typically qualify for the lowest unsecured APRs in Lowell. Many credit unions still approve scores in the 600s at higher rates.
Join a Local Credit Union
Many credit unions serving Lowell have flexible membership — often open to anyone who lives or works in Massachusetts.
Compare APR, Not Just Rate
Origination fees push the APR above the quoted rate. Even 1% of APR can save you real money over a 48-month term.
Consider a Shorter Term
A shorter term usually carries a lower rate and far less total interest, at the cost of a higher monthly payment.
Credit Unions Based in Lowell
4 credit unions are headquartered in Lowell. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area.
Frequently Asked Questions
Common questions about personal loan rates in Lowell
As of August 2026, personal loan rates for credit unions serving Lowell, Massachusetts range from 1.00% to 18.00% APR, with a median of 9.24% APR. Because personal loans are unsecured, the rate you get depends heavily on your credit profile.
Credit unions serving Lowell typically offer unsecured personal loans from around $500 up to $25,000-$50,000, repaid over 12-60 months. The amount and term you qualify for depend on your income and credit profile.
Yes. Credit unions serving Lowell, Massachusetts usually offer lower personal loan APRs than banks or online lenders. As member-owned non-profits, they pass savings back to members through better rates and fewer fees.
For the lowest personal loan APRs in Lowell, aim for a credit score of 720 or higher. Many credit unions still approve scores in the 600s, but higher scores unlock the best unsecured rates.
Compare APRs across multiple credit unions rather than a single lender. The offers above rank Massachusetts credit unions by lowest APR, and joining a credit union is usually as simple as opening a small savings account.
Personal Loan Rates in Other Massachusetts Cities
Personal Loan Rates by State
Build With RateAPI
Access daily-updated personal loan rate data from credit unions across Massachusetts via our REST API. Perfect for debt-consolidation tools, fintech apps, and AI agents.