Personal Loans in Charlotte, NC

Looking for the best personal loan rates in Charlotte, NC? Compare offers from trusted local banks and credit unions to find low rates and terms that fit your budget. Whether it’s a big purchase or unexpected expense, you can secure affordable financing right here at home.

Charlotte borrowers benefit from quick approvals and personalized service that understands your needs. Choosing a local lender means supporting your community while getting flexible loan options designed just for you. Start comparing today to find the loan that works best for your life.

Filters

Lender
APR
Term
Amount
Link
Info
bcu
4.64 - 8.49 %
penfed
6.09 - 17.99 %
5 Yrs
$50,000
affinityplus
6.24 - 15.24 %
0.8 - 10 Yrs
2,500 - $20,000
efirstflight
6.387 - 6.544 %
10 - 15 Yrs
firsttechfed
6.99 - 13.65 %
2 - 7 Yrs
35,000 - $50,000
truliantfcu
7.49 - 18 %
0.5 - 7 Yrs
15,000 - $50,000
nasafcu
7.79 - 18 %
1 - 7 Yrs
$30,000
sdfcu
8.49 - 11.75 %
2.1 - 5 Yrs
corningcu
8.74 - 12.24 %
1 - 5 Yrs
$10,000
navyfederal
8.74 - 18 %
3.1 - 5 Yrs

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. 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.

First Flight's 10 year conforming loan has an APR of 6.54% today, while the 15 year conforming loan is at 6.39% . There's no change in rates compared to 7 or 30 days ago for either loan. 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. Truliant has a Debt180 debt consolidation loan and a Preferred line of credit with APRs of 7.49% and 12.99% , respectively. Both rates have stayed the same over the past 7, 30, and 60 days. The Debt180 loan's rate is lower than it was 90 days ago, while the line of credit rate has not changed in 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% . State Department's personal loans with an APR of 8.49% , which has stayed the same over the past 7 and 30 days. Their Moneyline line–of–credit has a fixed APR of 11.75% , unchanged from 7, 30, 60, and 90 days ago.

Corning has a fixed–rate personal loan with an APR of 8.74% , which has stayed the same over the past 7, 30, 60, and 90 days. Their personal line of credit has an APR of 12.24% , also unchanged during these time frames. Navy Federal Credit Union has a Debt consolidation loan and a Home improvement loan, both with an APR of 8.74% today. These rates have stayed the same compared to 7, 30, 60, and 90 days ago. The Personal expense loan also carries an 8.74% APR with no changes over the same periods.

🏦 All Local Lenders in Charlotte, NC

Lender NameBranch AddressOffice ServicesLender Snapshot
STATE EMPLOYEES' CREDIT UNION
8605 UNIVERSITY CITY BLVD CHARLOTTE NC 28213
ATM
Drive-Thru
E-Statements
E-Signature
Assets: $57,229,286,839
Deposits: $7,866,265,767
Net Worth: $5,446,832,560
Employees: 8258
Members: 2,847,943
LATINO COMMUNITY CREDIT UNION
8601 UNIVERSITY CITY BLVD CHARLOTTE NC 28213
ATM
E-Statements
E-Signature
Assets: $1,075,927,219
Deposits: $118,673,461
Net Worth: $234,897,129
Employees: 320
Members: 145,305
TRULIANT FEDERAL CREDIT UNION
1915 BACK CREEK DR CHARLOTTE NC 28213
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $5,221,549,692
Deposits: $234,561,407
Net Worth: $463,583,525
Employees: 926
Members: 344,463

🏘️ All the Lenders Available in Mecklenburg County, NC

Compare other loan types in Charlotte, NC

Why compare Personal Loans in Charlotte, NC on LendMesh

If you’re searching for the best loan interest rates in Charlotte, NC, it pays to explore multiple lenders before deciding. LendMesh makes it easy to compare offers from banks and credit unions side by side, helping you uncover better deals and potentially lower rates. Take your time reviewing options to find the loan that fits your needs and budget without rushing into a decision.

Stay informed with LendMesh’s subscription service designed for Charlotte borrowers like you. Set your target interest rate, and we’ll send you alerts when offers drop below that threshold. Plus, receive weekly or monthly updates featuring expert insights, rate trends, and carefully selected loan deals—all delivered directly to your inbox. Join thousands of smart borrowers who trust LendMesh to stay ahead and never miss a great opportunity.

Customers are also interested in:

Banks With Best Loan Interest Rates