Massachusetts · dataset refreshed October 5, 2026

Personal loan APRs

Compare advertised APRs for secured and unsecured personal loans, then narrow by repayment term. Public pricing is shown exactly as categorized by each lender and sorted by APR.

By LoanMate Editorial Team · Dataset refreshed October 5, 2026 — each rate row shows its own last-verified date

101rankable APR observations

42lenders with numeric APRs

0leads sold

Borrower state

Rates shown are advertised rates for borrowers in Massachusetts. Dataset refreshed October 5, 2026 — each rate row shows its own last-verified date.

Out-of-state lender coverage reflects verified licensing and availability data as of September 28, 2026; lenders without verified coverage in a state aren’t shown.

Personal Loans: these products are kept separate from mortgages and home-equity borrowing. Results are ranked by APR, not note rate.

How this table works. Rows are sorted by the advertised annual percentage rate (APR) after state eligibility, product, term and institution filters. APRs are public observations, not personalized offers; eligibility, discounts, collateral, fees and underwriting can change your result. Organic order is never influenced by compensation. Full methodology

PersonalRanked by advertised annual percentage rate · dataset refreshed October 5, 2026

Lender & product	APR	Fees	Verified
Worcester Credit UnionSecured personal loan · 60 monthsPersonalMA localSecured60 monthsMA HQCredit unionmedium confidence Terms & assumptions 'As low as'; savings-secured up to 72 mo tier; product page states rate = 3.00% above deposit rate - confirm current savings rate at quote time	3.05%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
NASA Federal Credit UnionSecured personal loan · 60 monthsPersonalNationalSecured60 monthsCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-02 against lender rate page (snapshot-context check); carried forward from 2026-10-01 verification; page content-changed since 2026-10-01, number re-extracted identical; page effective date: September 1, 2026	3.1%Advertised annual percentage rate	Not listed in source observation	2026-10-02	Source ↗
Members Plus Credit UnionSecured personal loan · 60 monthsPersonalMA localSecured60 monthsMA HQCredit unionmedium confidence Terms & assumptions Savings Secured Loan, terms 0-120 mo; APR as low as; CD-secured variant is CD APY + 3.00% margin (not recorded)	3.1%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
Newburyport BankSecured personal loan · 48 monthsPersonalMA localSecured48 monthsMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); page effective date: 10/05/2026	3.25%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗
First Citizens Federal Credit UnionSecured personal loan · 12 monthsPersonalMA localSecured12 monthsMA HQCredit unionmedium confidence Terms & assumptions Collateral loan secured by savings account or term certificate; no effective date shown on Loans section; 1-12 month term	5%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
First Citizens Federal Credit UnionSecured personal loan · 24 monthsPersonalMA localSecured24 monthsMA HQCredit unionmedium confidence Terms & assumptions Collateral loan secured by savings account or term certificate; no effective date shown on Loans section; 13-24 month term	5%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
First Citizens Federal Credit UnionSecured personal loan · 36 monthsPersonalMA localSecured36 monthsMA HQCredit unionmedium confidence Terms & assumptions Collateral loan secured by savings account or term certificate; no effective date shown on Loans section; 25-36 month term	5%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
First Citizens Federal Credit UnionSecured personal loan · 48 monthsPersonalMA localSecured48 monthsMA HQCredit unionmedium confidence Terms & assumptions Collateral loan secured by savings account or term certificate; no effective date shown on Loans section; 37-48 month term	5%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
Lee BankSecured personal loan · 36 monthsPersonalMA localSecured36 monthsMA HQBankmedium confidence Terms & assumptions TERM PLACEHOLDER: lender publishes no term breakdown for this product. Advertised rate is 6.00% APR OR 3.00% above the APY of the securing Lee Bank account, whichever is greater (concrete 6.00% APR is the lender's advertised floor rate; 95% LTV of account). No effective date shown; table read 2026-09-28.	6%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
Wells FargoUnsecured personal loanPersonalNationalUnsecuredTerm not listedBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 07/10/2026	6.74%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗
BankFiveUnsecured personal loan · 36 monthsPersonalMA localUnsecured36 monthsMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 9/30/2026	7%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗
BankFiveUnsecured personal loanPersonalMA localUnsecuredTerm not listedMA HQBankhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 9/30/2026	7%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗
Webster First Federal Credit UnionSecured personal loan · 60 monthsPersonalMA localSecured60 monthsMA HQCredit unionhigh confidence Terms & assumptions Credit Builder product; 60-month term. APR accurate as of April 1, 2026; rate determined by credit report	7%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
Lee BankSecured personal loan · 36 monthsPersonalMA localSecured36 monthsMA HQBankmedium confidence Terms & assumptions TERM PLACEHOLDER: lender publishes no term breakdown for this product. Rate is the lender's single listed APR for loans secured by Lee Bank investment accounts. No effective date shown; table read 2026-09-28.	8%Advertised annual percentage rate	Not listed in source observation	2026-09-28	Source ↗
NASA Federal Credit UnionUnsecured personal loan · 84 monthsPersonalNationalUnsecured84 monthsCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-02 against lender rate page (snapshot-context check); page effective date: er 1, 2026	8.04%Advertised annual percentage rate	Not listed in source observation	2026-10-02	Source ↗
NASA Federal Credit UnionUnsecured personal loan · 60 monthsPersonalNationalUnsecured60 monthsCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-02 against lender rate page (snapshot-context check); page effective date: er 1, 2026	8.04%Advertised annual percentage rate	Not listed in source observation	2026-10-02	Source ↗
Freedom Credit UnionUnsecured personal loan · 12 monthsPersonalMA localUnsecured12 monthsMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 9/16/26	8.75%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗
Mass Bay Credit UnionUnsecured personal loanPersonalMA localUnsecuredTerm not listedMA HQCredit unionhigh confidence Terms & assumptions agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: November 19, 2024	8.99%Advertised annual percentage rate	Not listed in source observation	2026-10-05	Source ↗

Rates are public observations, not personalized offers. Your APR may vary with credit, term, collateral, membership, autopay, and other lender rules.

Products without a single advertised APR (49)

These source pages describe multiple rates or a margin formula but do not publish one comparable APR, so they are not ranked.

Lender & product	APR	Verified
Metro Credit UnionUnsecured personal loan · 48 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: ne 29, 2026	Not published	2026-10-05	Source ↗
BrightBridge Credit Union (formerly RTN Federal Credit Union)Unsecured personal loanPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
BrightBridge Credit Union (formerly RTN Federal Credit Union)Secured personal loanPersonalMA localSecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
BrightBridge Credit Union (formerly RTN Federal Credit Union)Secured personal loanPersonalMA localSecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
BrightBridge Credit Union (formerly RTN Federal Credit Union)Unsecured personal loanPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
Harvard Federal Credit UnionUnsecured personal loan · 60 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: er 1, 2026	Not published	2026-10-05	Source ↗
Harvard Federal Credit UnionUnsecured personal loan · 60 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: September 1, 2026	Not published	2026-10-05	Source ↗
Harvard Federal Credit UnionSecured personal loan · 84 monthsPersonalMA localSecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: September 1, 2026	Not published	2026-10-05	Source ↗
Harvard Federal Credit UnionUnsecured personal loanPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: September 1, 2026	Not published	2026-10-05	Source ↗
Align Credit UnionUnsecured personal loan · 36 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); page effective date: 9/30/2026	Not published	2026-10-05	Source ↗
BankFiveUnsecured personal loan · 12 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 9/30/2026	Not published	2026-10-05	Source ↗
BankFiveUnsecured personal loan · 24 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 9/30/2026	Not published	2026-10-05	Source ↗
Country Bank for SavingsUnsecured personal loan · 36 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: er 1, 2026	Not published	2026-10-05	Source ↗
Country Bank for SavingsUnsecured personal loan · 60 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: september 29, 2026	Not published	2026-10-05	Source ↗
Country Bank for SavingsUnsecured personal loan · 60 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: september 29, 2026	Not published	2026-10-05	Source ↗
Country Bank for SavingsUnsecured personal loan · 72 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: september 29, 2026	Not published	2026-10-05	Source ↗
Freedom Credit UnionUnsecured personal loan · 12 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 9/16/26	Not published	2026-10-05	Source ↗
Freedom Credit UnionUnsecured personal loan · 12 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 9/16/26	Not published	2026-10-05	Source ↗
Freedom Credit UnionUnsecured personal loan · 24 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 9/16/26	Not published	2026-10-05	Source ↗
Freedom Credit UnionUnsecured personal loan · 48 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 9/16/26	Not published	2026-10-05	Source ↗
Mass Bay Credit UnionUnsecured personal loan · 72 monthsPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); page effective date: er 19, 2024	Not published	2026-10-05	Source ↗
Mass Bay Credit UnionUnsecured personal loanPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: November 19, 2024	Not published	2026-10-05	Source ↗
Newburyport BankSecured personal loan · 48 monthsPersonalMA localSecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 10/02/2026	Not published	2026-10-05	Source ↗
Newburyport BankSecured personal loan · 48 monthsPersonalMA localSecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 09/30/2026	Not published	2026-10-05	Source ↗
Westport Federal Credit UnionSecured personal loanPersonalMA localSecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 2/21/2026	Not published	2026-10-05	Source ↗
Westport Federal Credit UnionSecured personal loanPersonalMA localSecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 2/21/2026	Not published	2026-10-05	Source ↗
Westport Federal Credit UnionUnsecured personal loanPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 2/21/2026	Not published	2026-10-05	Source ↗
Greylock Federal Credit UnionUnsecured personal loanPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
Greylock Federal Credit UnionUnsecured personal loanPersonalMA localUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
Greylock Federal Credit UnionSecured personal loanPersonalMA localSecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
PNC BankUnsecured personal loan · 24 monthsPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
PNC BankUnsecured personal loan · 24 monthsPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
PNC BankUnsecured personal loan · 24 monthsPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
PNC BankUnsecured personal loan · 24 monthsPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
PNC BankUnsecured personal loan · 24 monthsPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
PNC BankUnsecured personal loan · 36 monthsPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
PNC BankUnsecured personal loan · 36 monthsPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
PNC BankUnsecured personal loan · 36 monthsPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
PNC BankUnsecured personal loan · 48 monthsPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
PNC BankUnsecured personal loan · 48 monthsPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
PNC BankUnsecured personal loan · 48 monthsPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
PNC BankUnsecured personal loan · 60 monthsPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
ProsperUnsecured personal loanPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
ProsperUnsecured personal loanPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
ProsperUnsecured personal loanPersonalNationalUnsecured Published terms agent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical	Not published	2026-10-05	Source ↗
NASA Federal Credit UnionUnsecured personal loanPersonalNationalUnsecured Published terms agent-verified 2026-10-02 against lender rate page (snapshot-context check); carried forward from 2026-10-01 verification; page content-changed since 2026-10-01, number re-extracted identical; page effective date: September 1, 2026	Not published	2026-10-02	Source ↗
TD BankUnsecured personal loanPersonalNationalUnsecured Published terms agent-verified 2026-09-29 against lender rate page (snapshot-context check); no effective date on page	Not published	2026-09-29	Source ↗
TD BankUnsecured personal loan · 60 monthsPersonalNationalUnsecured Published terms agent-verified 2026-09-29 against lender rate page (snapshot-context check); no effective date on page	Not published	2026-09-29	Source ↗
TD BankUnsecured personal loan · 48 monthsPersonalNationalUnsecured Published terms agent-verified 2026-09-29 against lender rate page (snapshot-context check); no effective date on page	Not published	2026-09-29	Source ↗

Common questions

What is a good personal loan APR right now?

It depends on the loan type: secured loans price lower than unsecured ones. In our October 5, 2026 Massachusetts snapshot, the lowest advertised unsecured personal loan APR was 6.74%, verified October 5, 2026. Each row lists the lender’s own credit and term assumptions, which decide the rate you’d actually get.

What is a secured personal loan — and how low are the rates?

A secured personal loan uses collateral — usually savings or a share account — to back the borrowing, so it often costs less than an unsecured loan. In our October 5, 2026 snapshot, the lowest advertised secured APR was 3.05% on a savings-secured loan verified September 28, 2026, whose rate is set at 3.00% above the deposit rate.

What credit score do I need for a personal loan?

Lenders set their own scoring minimums and rarely publish them. Each personal loan row shows the credit assumption the lender listed with the APR — in our October 5, 2026 snapshot, one lender’s lowest secured-APR floor was labeled for excellent credit history. Confirm which credit tier your profile reaches with each lender.

Is the APR here a personalized offer?

No. Each APR is a public observation from the lender’s own page, labeled with its own last-verified date and time. Your credit, income, term, collateral, autopay choices, and membership discounts change the real result, so confirm current pricing and eligibility directly with the lender.