Personal Loans in Spencer, IN 47460: 2 Local Lenders

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9.99 - 13.99 %

∞

10.25 - 12 %

2 - 5 Yrs

∞

10.5 - 11.5 %

3 - 5 Yrs

$30,000

∞

10.99 - 16.24 %

3.4 - 7 Yrs

15,000 - $50,000

∞

11.24 - 17.99 %

5.1 - 6 Yrs

∞

11.6 - 19.1 %

3.6 - 5.5 Yrs

∞

11.75 - 13.25 %

1 - 8 Yrs

∞

11.84 %

4 Yrs

$25,000

∞

11.99 %

5 Yrs

∞

11.99 - 12.49 %

2 - 5 Yrs

35,000 - $50,000

∞

Two institutions have branches in Spencer, IN 47460: Baxter Credit Union and Crane Credit Union. Both appear in the local lender directory below, which shows personal loans in Spencer, IN 47460 and other lenders serving Owen County.

A published personal loan rate is a starting point, not a final offer. The actual rate depends on factors in the borrower’s credit file, so individual creditworthiness affects the terms you can receive.

Today’s Personal Loan Rates & Analysis - Updated on 2026-SEP-23

Credit Union Loan Rates - Trends & Analysis:

California Adventist's personal loans with a regular rate of 9.99% APR and a credit builder rate of 15.99% APR. Both rates are unchanged from 7 and 30 days ago. These rates provide clear depending on your credit needs. Crane has a Custom fit loan with an APR of 10.25% , which has stayed the same over the past 7, 30, and 60 days. Their Line of credit has a 12% APR, also unchanged from 7, 30, 60, and 90 days ago. Indiana University's 90–day one–pay loan rates and Signature loan rates both have a 10.5% APR today, unchanged from 7 and 30 days ago but higher than the 10.25% seen 30, 60, and 90 days ago. The Line of credit rate is steady at 10.75% with no change over the past 90 days.

Forum's Personal installment loan has an APR of 10.99% today. This rate has stayed the same compared to 7, 30, 60, and 90 days ago. Park's personal loans have an APR of 11.24% , which is unchanged from both 7 and 30 days ago. Their credit builder loans carry a 12.24% APR, also steady over the same time periods. Centra's Fixed rate personal loan has an APR of 11.6% today. This rate has stayed the same compared to 7, 30, 60, and 90 days ago.

Affinity's personal loans with an APR of 11.75% , which has stayed the same over the past 7, 30, 60, and 90 days. Their debt consolidation loan has a fixed APR of 12.75% , also unchanged during these periods. Elements Financial has a Credit builder loan with an APR of 5% , which has stayed the same over the past 7, 30, 60, and 90 days. The Unsecured signature loan has an APR of 11.84% , unchanged from 7 and 30 days ago but higher than it was 60 and 90 days ago.

Digital has a Signature personal loan with an APR of 11.99% . This rate has stayed the same compared to 7, 30, 60, and 90 days ago. The consistent rate makes it easy to understand the cost over time. 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.

🏦 All Local Lenders in Spencer, IN

BAXTER CREDIT UNION

Branch Address: 780 BROOKSIDE DR SPENCER IN 47460
Timings & Contact: ⏰ 8am-1pm Monday 12pm-5pm Wednesday 7am-2pm Friday
📞 8003887000
General Services Offered: Show services
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)
Office Services: ATM
P2P
E-Statements
E-Signature
Lender Snapshot: Assets: $5,907,858,695
Deposits: $375,038,208
Net Worth: $593,054,340
Employees: 752
Members: 356,643

CRANE CREDIT UNION

Branch Address: 279 E MORGAN ST SPENCER IN 47460
Timings & Contact: ⏰ Mon-Thur 9:00am ? 4:00pm Fri 9:00am ? 6:00pm Sat 9:00am ? Noon
📞 8128637000
📠 8128637010
General Services Offered: Show services
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 Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
Basic ATM Access (Withdrawals, Balance Checks)
Office Services: ATM
Drive-Thru
P2P
E-Statements
E-Signature
Lender Snapshot: Assets: $1,059,356,390
Deposits: $79,365,773
Net Worth: $133,793,233
Employees: 205
Members: 68,143

Lender Name	Branch Address	Timings & Contact	General Services Offered	Office Services	Lender Snapshot
BAXTER CREDIT UNION	780 BROOKSIDE DR SPENCER IN 47460	⏰ 8am-1pm Monday 12pm-5pm Wednesday 7am-2pm Friday 📞 8003887000	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: $5,907,858,695 Deposits: $375,038,208 Net Worth: $593,054,340 Employees: 752 Members: 356,643
CRANE CREDIT UNION	279 E MORGAN ST SPENCER IN 47460	⏰ Mon-Thur 9:00am ? 4:00pm Fri 9:00am ? 6:00pm Sat 9:00am ? Noon 📞 8128637000 📠 8128637010	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 Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $1,059,356,390 Deposits: $79,365,773 Net Worth: $133,793,233 Employees: 205 Members: 68,143

Why compare Personal Loans in Spencer, IN on LendMesh

When reviewing the table above, comparing personal loan offers by their APR rather than the headline interest rate provides a more accurate basis for comparison. This is because the APR incorporates both the interest rate and any fees the headline figure excludes, allowing you to see the true cost over the loan term. Focusing on the APR in each row helps identify which loans may be more cost-effective despite differences in the stated rates.

You choose which types of loans you want to follow for rate alerts, rather than tracking all options. This service is free but requires a LendMesh account to set up. You set your own threshold, and the alert notifies you when a lender publishes rates below that figure. Alongside alerts, a weekly newsletter is sent summarising recent rate movements but cannot be adjusted for frequency or replaced by alerts.

Personal Loans in Spencer, IN