Personal Loan Rates in Vermont
Compare personal loan rates from credit unions in Vermont. Today's best rate: 2.00% APR. Great for debt consolidation, home improvement, and major purchases.
Vermont personal loan rates range from 2.00% to 18.00% APR. Data from 14 credit unions, updated August 2026.
Source: RateAPI.dev
Top Vermont Credit Unions for Personal Loans
Ranked by lowest APR. Based on a $15,000 loan over 48 months.
The lowest personal loan APR in Vermont is 2.00% (median 9.99%), drawn from 9 credit unions as of August 2026. Credit unions cap APRs federally and often beat bank and online-lender rates for borrowers with good credit.
| Credit Union | Rate | APR | Est. Payment | |
|---|---|---|---|---|
Green Mountain Credit Union 48-Month Share-Secured Loan | 3% | 3% | $332/mo | Visit Site |
Northeast Schools And Hospital Credit Union Share - Secured Loan | 4.15% | 4.15% | $340/mo | Visit Site |
One Credit Union Unsecured Personal Loan | 5.25% | 5.25% | $347/mo | Visit Site |
Vermont Credit Union Credit Builder Loan | 6% | 6% | $352/mo | Visit Site |
Northeast Schools And Hospital Credit Union Debt Consolidation up to $10,000.00 9.99% (.02737) New money only | 9.99% | 9.99% | $380/mo | Visit Site |
How to Get the Best Personal Loan Rate in Vermont
Personal loans from credit unions in Vermont typically offer lower rates than banks or online lenders. Here's how to qualify for the best terms:
Check Your Credit Report
Review your credit report for errors before applying. Dispute any inaccuracies that could be dragging down your score.
Consider a Secured Loan
Secured personal loans backed by savings or a CD can offer significantly lower rates than unsecured options.
Choose the Right Term Length
Shorter terms (24-36 months) often have lower rates but higher payments. Balance affordability with total interest paid.
Become a Member First
Some credit unions offer rate discounts to long-standing members. Open an account early to build your relationship.
Frequently Asked Questions
Common questions about personal loan rates in Vermont
As of August 2026, personal loan rates in Vermont range from 2.00% to 18.00% APR across credit unions. Rates depend on credit score, loan amount, and term length.
Personal loans in Vermont can be used for almost any purpose: debt consolidation, home improvement, medical expenses, major purchases, wedding costs, or emergency expenses. Unlike auto or home loans, personal loans are flexible and don't require collateral.
Credit unions in Vermont often offer lower rates than online lenders, especially for borrowers with good credit. Online lenders may be faster to fund, but credit unions typically have lower fees and more flexible terms.
For the best personal loan rates in Vermont, aim for a credit score of 700 or higher. Many credit unions offer loans to members with scores as low as 580-620, though at higher rates. Secured personal loans may be available for lower scores.
Most Vermont credit unions accept members based on where you live, work, or worship, or through a small one-time deposit into a savings account. Once you are a member, you can apply for a personal loan, often online or in branch.
Yes. Debt consolidation is one of the most common uses for credit union personal loans in Vermont. If the loan's APR is lower than your current credit card rates, consolidating can reduce your total interest and simplify payments into one fixed monthly amount.
Personal Loan Rates by State
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