Personal Loans in Smithtown, NY

Looking for the best personal loans with low interest rates in Smithtown, NY? Compare offers from trusted local lenders and find the perfect loan to fit your needs—whether it’s for home improvements, debt consolidation, or unexpected expenses.

Our simple comparison tool helps Smithtown residents quickly see competitive rates and flexible terms from nearby banks and credit unions. Get started today to secure affordable financing with fast approval and friendly, hometown service you can trust.

Filters

Lender
APR
Term
Amount
Link
Info
bcu
4.64 - 8.49 %
empowerfcu
5.24 - 10.99 %
2.1 - 15 Yrs
americu
5.75 - 17.99 %
1 - 5 Yrs
2,000 - $50,000
greylock
6 - 14 %
15 Yrs
1,000 - $25,000
penfed
6.09 - 17.99 %
5 Yrs
$50,000
affinityplus
6.24 - 15.24 %
0.8 - 10 Yrs
2,500 - $20,000
mycfcu
6.99 - 11.25 %
0.1 - 5 Yrs
firsttechfed
6.99 - 13.65 %
2 - 7 Yrs
35,000 - $50,000
mhvfcu
7.49 - 12.99 %
$25,000
nasafcu
7.79 - 18 %
1 - 7 Yrs
$30,000

Today’s Personal Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

Baxter's personal loan has a 7.49% APR today, which is up from 6.99% thirty and sixty days ago but unchanged from seven days ago. The credit builder loan remains steady at 4.5% APR with no changes in the past 30 days. Empower's Personal loan has a minimum APR of 5.24% today, unchanged from it was 7 days ago. This rate is lower than the 6.49% APR from 30 and 60 days ago. Americu's Holiday loan has an APR of 5.75% , which has stayed the same over the past 7, 30, and 60 days. The Signature, personal & unsecured loans have a 9.24% APR with no change from 7, 30, 60, or 90 days ago.

Greylock's several personal loan choices with fixed APRs that have stayed the same over the past 7, 30, 60, and 90 days. For example, the unsecured personal loan up to $25, 000 has an APR of 7.75% , while the personal loan for amounts up to $2, 500 carries an APR of 9.99% . Both rates have not changed recently. Pentagon's personal loans with an APR of 6.09% today, unchanged from it was 7 and 30 days ago. This rate has remained steady over the past month. Affinity Plus has a Credit builder loan with an APR of 6% , which has stayed the same over the past 7, 30, 60, and 90 days. Their Homeowner debt consolidation loan is at 6.99% APR today, down from 7.74% seven days ago but unchanged from 30, 60, and 90 days ago.

Cfcu Community has a personal loan with an APR of 6.99% today. This rate has stayed the same over the past 7, 30, 60, and 90 days. The consistent rate makes it easy to understand the cost of borrowing over time. First Technology's Fixed–rate loan has an APR of 6.99% , which has stayed the same over the past 7, 30, 60, and 90 days. The Personal line of credit carries an APR of 12.5% , also unchanged from 7 and 30 days ago. Mid–Hudson Valley's personal loans and debt consolidation loans with an APR of 7.49% . These rates have stayed the same over the past 7, 30, 60, and 90 days. The line of credit has a higher APR at 12.99% , which also hasn't changed during that time.

Nasa's Cashline line of credit has a fixed APR of 11.49% , unchanged from 30 days ago. The Home improvement loan and Personal unsecured loan both have a 7.79% APR today, which is up from 7.69% seven and 30 days ago. The Personal unsecured loan's rate is higher than it was 60 and 90 days ago, when it was 7.44% .

🏦 All Local Lenders in Smithtown, NY

Lender NameBranch AddressOffice ServicesLender Snapshot
BETHPAGE CREDIT UNION
240 MIDDLE COUNTRY ROAD SMITHTOWN NY 11787
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $13,309,612,562
Deposits: $167,721,082
Net Worth: $1,203,585,615
Employees: 867
Members: 483,903
TEACHERS FEDERAL CREDIT UNION
47 ROUTE 111 SMITHTOWN NY 11787
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $9,817,494,290
Deposits: $392,268,098
Net Worth: $984,894,945
Employees: 867
Members: 476,608

🏘️ All the Lenders Available in Suffolk County, NY

Compare other loan types in Smithtown, NY

Why compare Personal Loans in Smithtown, NY on LendMesh

If you’re searching for the best loans with low interest rates in Smithtown, NY, taking the time to compare different lenders on LendMesh can help you uncover better deals and more affordable options. Exploring multiple offers ensures you find terms that truly fit your needs without rushing into the first option that comes your way.

Consider subscribing to LendMesh for personalized loan alerts tailored to your target interest rate. Whether you want updates when rates dip below 5% or even 4%, you’ll receive timely notifications along with expert insights, market trends, and curated loan deals. Join fellow Smithtown borrowers who trust LendMesh to stay informed and make smarter borrowing decisions.

Customers are also interested in:

Best Loans With Low Interest Rates