Personal Loans in Oneonta, NY 13820

Looking for a personal loan in Oneonta, NY? Compare offers from trusted local lenders who understand your needs and offer clear, affordable options. Whether it’s for debt consolidation or a big purchase, finding the right loan is easier when you see all your choices side by side.

Our community-focused lenders provide competitive rates and flexible terms designed to fit your budget. Start comparing today and take control of your finances with confidence—because in Oneonta, you’re not just a number, you’re a neighbor.

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11.99 %

5 Yrs

∞

12.24 - 27.5 %

2.1 - 7 Yrs

∞

12.49 - 16.49 %

1 Yrs

∞

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

Credit Union Loan Rates - Trends & Analysis:

Digital has a Signature personal loan with an APR of 11.99% . This rate has stayed the same over the past 7, 30, and 60 days. Usalliance's personal loans with terms ranging from 0 to 24 months at an APR of 12.24% and from 73 to 84 months at 14.99% . Unchanged compared to 7 or 30 days ago. The Mylife ready cash loan has a fixed APR of 27.5% , which is also steady over the past month. America First's personal loans with an APR of 12.49% , which has stayed the same over the past 7, 30, 60, and 90 days. Their line of credit has a fixed APR of 16.49% , also unchanged during these periods.

🏦 All Local Lenders in Oneonta, NY

Lender Name	Branch Address	Timings & Contact	General Services Offered	Office Services	Lender Snapshot
VISIONS FEDERAL CREDIT UNION	5001 STATE HIGHWAY 23 ONEONTA NY 13820	⏰ M-F 9 -5 Sat 9-12 📞 6076015199 📠 6077865718	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic ATM Access (Withdrawals, Balance Checks)	ATM P2P E-Statements E-Signature	Assets: $5,261,855,076 Deposits: $368,430,335 Net Worth: $518,055,418 Employees: 885 Members: 258,519
SIDNEY FEDERAL CREDIT UNION	53 MARKET ST ONEONTA NY 13820	⏰ Monday - Friday 7a.m. - 6 p.m. Saturday 9 a.m. - 12 p.m. 📞 6074323432 📠 6075637474	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $1,019,323,157 Deposits: $12,791,572 Net Worth: $109,204,682 Employees: 212 Members: 72,102
SIDNEY FEDERAL CREDIT UNION	75 ONEIDA ST ONEONTA NY 13820	⏰ Monday - Friday 7 a.m. - 6 p.m. Saturday 9 a.m. - 12 p.m. 📞 6074311240 📠 6075637474	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $1,019,323,157 Deposits: $12,791,572 Net Worth: $109,204,682 Employees: 212 Members: 72,102

🏘️ All the Lenders Available in Otsego County, NY

✅LEATHERSTOCKING REGION FEDERAL CREDIT UNION

✅BROADVIEW FEDERAL CREDIT UNION

✅VISIONS FEDERAL CREDIT UNION

✅SIDNEY FEDERAL CREDIT UNION

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