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The table below shows personal loan interest rates today in Dayton OH from lenders with a branch in the area. Day Air Credit Union is the only institution with a branch in Dayton, Montgomery County, and appears in the local lender directory here alongside any rates it publishes.
Choosing a longer loan term lowers the monthly payment but increases the total interest paid over the life of the loan. This relationship is important to consider when reviewing personal loans in Dayton, OH 45428, as it affects the overall cost beyond just the monthly amount.
Today’s Personal Loan Rates & Analysis - Updated on 2026-OCT-01
Credit Union Loan Rates - Trends & Analysis:
Directions has a Signature personal loan with an APR of 11.8% . This rate has stayed the same over the past 7, 30, 60, and 90 days. The consistent rate makes it easy to know what to expect. Digital's Traditional signature loans have a fixed APR of 11.99% today. There's no change in the rate compared to 7 or 30 days ago. First Technology's Fixed–rate loan has an APR of 11.99% today, which is higher than the 6.99% rate from 7, 30, 60, and 90 days ago. The Personal line of credit shows a slight decrease to 12.49% from 12.5% over the past 7, 30, and 60 days.
Three Rivers's unsecured term loans with an APR of 11.99% and unsecured lines of credit at 12.99% . These rates have stayed the same compared to 7, 30, 60, and 90 days ago. Both products maintain steady rates over the past three months. 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. Telhio's personal loan rate is 13.04% today, which is higher than 7 days ago when it was 12% . The rate has increased compared to 30, 60, and 90 days ago, all at 9.49% .
Atomic's Signature personal loan has a 13.21% APR today, unchanged from it was 7 and 30 days ago but higher than the 11.49% rate from 60 and 90 days ago. This rate applies regardless of term.