The MFP’s Community Personal Loan Lender Survey gathers Illinois borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from Illinois’s Personal Loan Borrowers >>
Illinois Best Personal Loan Lenders
Chicago, Aurora, Joliet, Naperville, Rockford, Springfield, Elgin, Peoria, Waukegan, Champaign, Online.
Chicago Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Chicago’s area are Alliant Credit Union, First Financial Credit Union and Consumers Credit Union.
- Alliant Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to smooth application access, clear personal-loan guidance and responsive Chicago-area support, which supports its top scores across all three categories.
- First Financial Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention helpful local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Consumers Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful personal-loan guidance and dependable branch support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Alliant Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| First Financial Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Consumers Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Great Lakes Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Baxter Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| NuMark Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Wintrust Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Byline Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Old National Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Fifth Third Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Huntington Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Chase Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Bank of America | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 80% |
Aurora Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Aurora’s area are NuMark Credit Union, Consumers Credit Union and Earthmover Credit Union.
- NuMark Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Aurora-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Consumers Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Earthmover Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| NuMark Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Consumers Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Earthmover Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Great Lakes Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Old Second National Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Wintrust Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Fifth Third Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Huntington Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Bank of America | Bank | 4.1 | 4.0 | 4.1 | 81% |
Joliet Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Joliet’s area are NuMark Credit Union, Great Lakes Credit Union and Consumers Credit Union.
- NuMark Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Joliet-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Great Lakes Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Consumers Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| NuMark Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Great Lakes Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Consumers Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Baxter Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Old National Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Wintrust Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Fifth Third Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Chase Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Naperville Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Naperville’s area are NuMark Credit Union, Consumers Credit Union and Earthmover Credit Union.
- NuMark Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Naperville-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Consumers Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Earthmover Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| NuMark Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Consumers Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Earthmover Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Great Lakes Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Old Second National Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Wintrust Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Fifth Third Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Chase Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Rockford Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Rockford’s area are MembersAlliance Credit Union, Rock Valley Credit Union and GreenState Credit Union.
- MembersAlliance Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Rockford-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Rock Valley Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- GreenState Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| MembersAlliance Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Rock Valley Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| GreenState Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Consumers Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Illinois Bank & Trust | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Old National Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Springfield Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Springfield’s area are CEFCU, United Community Bank and Marine Bank.
- CEFCU ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Springfield-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- United Community Bank ranks second with a 92% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews frequently mention practical local service, responsive staff and clear borrowing help, which supports its strong support score among the top 3.
- Marine Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful loan guidance and dependable local support, which supports its recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| CEFCU | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| United Community Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| Marine Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| INB | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Heartland Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Elgin Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Elgin’s area are Consumers Credit Union, Great Lakes Credit Union and Baxter Credit Union.
- Consumers Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Elgin-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Great Lakes Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Baxter Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Consumers Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Great Lakes Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Baxter Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| First American Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Old Second National Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Fifth Third Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Huntington Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Peoria Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Peoria’s area are CEFCU, Citizens Equity First Credit Union and Better Banks.
- CEFCU ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Peoria-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Citizens Equity First Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Better Banks ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight practical local service, useful loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| CEFCU | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Citizens Equity First Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Better Banks | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| Morton Community Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Heartland Bank and Trust Company | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
Waukegan Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Waukegan’s area are Consumers Credit Union, Great Lakes Credit Union and Baxter Credit Union.
- Consumers Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Waukegan-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Great Lakes Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Baxter Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Consumers Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Great Lakes Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Baxter Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| First American Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Old National Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Fifth Third Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Huntington Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Champaign Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Champaign’s area are U of I Community Credit Union, CEFCU and Busey Bank.
- U of I Community Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Champaign-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- CEFCU ranks second with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Busey Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight practical local service, useful loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| U of I Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| CEFCU | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Busey Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| First State Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Old National Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
Illinois Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Illinois’s area are Alliant Credit Union, U of I Community Credit Union and Consumers Credit Union.
- Alliant Credit Union ranks highest with a 97% Recommend score, 4.8 Easy Application, 4.9 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Borrower feedback supports its top position because customers point to strong personal loan terms, an easy digital borrowing process, and helpful support.
- U of I Community Credit Union ranks second with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Borrower feedback supports its high placement because customers highlight fast approval decisions, clear loan options, and step-by-step assistance.
- Consumers Credit Union ranks third with a 95% Recommend score, 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance, tying the second-highest Loan Terms & Rate Satisfaction score among the top 3.
- Borrower feedback supports its top-3 ranking because customers point to competitive borrowing options, simple online access, and useful help during the application process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Alliant Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 97% |
| U of I Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Consumers Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 95% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 94% |
| Credit Union 1 | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 92% |
| DuPage Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 91% |
| Great Lakes Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| Financial Plus Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 88% |
| Central Credit Union of Illinois | Credit Union | 4.5 | 4.6 | 4.6 | 87% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 86% |
| LendingClub | Bank | 4.5 | 4.5 | 4.5 | 85% |
| Upgrade | Online | 4.5 | 4.3 | 4.4 | 84% |
| Discover Personal Loans | Bank | 4.5 | 4.5 | 4.4 | 83% |