Personal Loan Rates

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Learn More About Personal Loan Rates

With personal loans, the possibilities are endless. For example, you can use your loan funds for everything from getting a new car to helping pay off your student loans. Not every personal loan is created equal, however. You’ll need to understand the interest rate of each loan you consider to determine which is right for you.

What Is the Interest Rate on a Personal Loan?

Your loan’s annual percentage rate or APR is the yearly percentage rate a lender charges for your loan, including any loan fees or charges. There are two types of APRs, including variable APRs and fixed APRs.

A variable APR changes depending on market conditions and factors such as prime rate. A fixed APR is a rate that doesn’t change for the life of your loan.

The APR you’re able to receive for your loan will depend on your lender’s options as well as other factors such as your credit score and credit history. When determining which loan is best for you, you’ll want to compare interest rates to ensure you’re getting the best deal.

What Is a Good Interest Rate on a Personal Loan?

A “good” interest rate will be different for everyone. Interest rates are determined by your credit score and debt to income (DTI) ratio. For example, if you have a low credit score or a high DTI, your interest rate may be higher. Or, if you have a high credit score or a low DTI, your interest rate may be lower.

To find the best interest rate for you, we recommend selecting a financial institution that doesn’t charge additional fees that raise the rate. At United Teletech Financial, we only charge interest—no fees apply.

United Teletech Financial’s Personal Loan Rates

At United Teletech Financial, we offer some of the best rates available for our members. And as a not-for-profit institution, there are no hidden fees. Our current personal loan rates are as follows:

  • Up to 48 months: 6.250%*
  • 49 to 60 months: 6.250%*

Not sure what type of personal loan is best for you? Want to learn more about your options? At UTF, our ultimate goal is to help you reach your financial goals. Whether you’re financing a dream vacation or simply want to improve your financial well-being, we’re here to help.

Call Us Today to Learn More About Personal Loan Rates

Do you need a personal loan to reach your financial goals? If so, the team at United Teletech Financial can help. To get started, apply online now or give us a call at 866-462-5532.

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*APR = Annual Percentage Rate. Rates include a 0.25% discount for direct deposit and electronic payment from a United Teletech checking account.

The minimum term is 24 months and the maximum term is 60 months. As an example, a $10,000 personal loan at 4.74% APR will be a total cost of $11,251.41.