See real Vermont personal loan rates by credit score and loan length, updated weekly. See rates and best rated lenders in Vermont’s main areas and statewide.
Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
<< Human Powered Recommendations from Vermont’s Personal Loan Borrowers >>
Vermont Personal Loan Rates –
Find personal loan rates by credit score and loan length on Vermont. National, banks, credit unions, online lenders rates are for a 36 months terms. Rates are community provided by Vermont borrower who received a quote(s) or applied for a loan in the last 30 days.
| Credit Score | ||||
|---|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | 560 - 619 | |
| Nationally | 11.35% | 14.12% | 18.95% | 22.45% |
| Vermont | 11.47% | 14.14% | 18.97% | 22.47% |
| Credit Unions | 10.05% | 12.72% | 17.55% | 21.05% |
| Online lenders | 10.97% | 14.14% | 20.47% | 26.47% |
| Banks | 11.47% | 14.14% | 18.97% | 22.47% |
| 24 month | 10.81% | 13.48% | 18.31% | 21.81% |
| 36 month | 11.47% | 14.14% | 18.97% | 22.47% |
| 48 month | 11.97% | 14.64% | 19.47% | 22.97% |
| 60 month | 12.47% | 15.14% | 19.97% | 23.47% |
Source: MFP’s Community Personnal Loan Rates Survey from the last 30 days.
Vermont Best Personal Loan Lenders
Burlington, South Burlington, Rutland, Barre, Montpelier, Online.
Vermont Personal Loans Lenders Satisfaction
Performance and satisfaction of personal loan lenders across Vermont by types of lenders.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Support & Guidance | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.63 | 4.63 | 4.67 | 90.7% |
| Community Banks | 4.37 | 4.48 | 4.51 | 85.0% |
| Online Lenders | 4.65 | 4.45 | 4.55 | 89.5% |
| Banks | 4.14 | 4.14 | 4.15 | 78.3% |
Source: MFP’s Community Survey of Personal Loan Lenders by State and Cities.
Recommendations are gathered from 782 local Vermont residents who got a quote or applied for a personal loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, support & guidance, plus if borrowers recommend the lender:
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- Loan Application (0 to 5): How easy it is to apply for your personal loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed for your quote, or speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process? </
Burlington Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Burlington’s area are EastRise Credit Union, NorthCountry Federal Credit Union and Vermont Federal Credit Union.
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- (94% Recommend)
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- EastRise ranks highest overall with a 94% Recommend score, plus the strongest Easy Application score among the top 3 at 4.8.
- Customer feedback points to a smooth local borrowing process, clear personal loan options, and strong branch support in Burlington.
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- (92% Recommend)
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- NorthCountry ranks second with a 92% Recommend score and ties EastRise for Loan Terms & Rate Satisfaction at 4.7.
- Customer feedback supports high marks for helpful loan guidance, practical personal loan options, and responsive Burlington-area service.
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- (90% Recommend)
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- Vermont Federal ranks third with a 90% Recommend score and the highest Support & Guidance score among the top 3 at 4.8.
- Customer feedback highlights strong in-branch support, flexible personal loan handling, and reliable help through the borrowing process.
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| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| EastRise Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| NorthCountry Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 92% |
| Vermont Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.8 | 90% |
| 802 Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| Green Mountain Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 86% |
| SeaComm Federal Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 85% |
| One Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 84% |
| Northfield Savings Bank | Community Bank | 4.3 | 4.4 | 4.4 | 83% |
| Mascoma Bank | Community Bank | 4.3 | 4.3 | 4.4 | 82% |
| Community Bank, N.A. | Bank | 4.2 | 4.2 | 4.2 | 80% |
| NBT Bank | Bank | 4.2 | 4.2 | 4.1 | 79% |
| KeyBank | Bank | 4.1 | 4.1 | 4.1 | 77% |
| TD Bank | Bank | 4.1 | 4.0 | 4.1 | 76% |
| Citizens | Bank | 4.0 | 4.0 | 4.0 | 75% |
| M&T Bank | Bank | 4.0 | 3.9 | 4.0 | 74% |
South Burlington Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in South Burlington’s area are Vermont Federal Credit Union, EastRise Credit Union and NorthCountry Federal Credit Union.
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- (93% Recommend)
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- Vermont Federal ranks highest with a 93% Recommend score and the strongest Support & Guidance score among the top 3 at 4.8.
- Customer feedback points to strong branch support, clear personal loan help, and reliable guidance through the borrowing process.
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- (92% Recommend)
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- EastRise ranks second with a 92% Recommend score and the highest Easy Application score among the top 3 at 4.8.
- Customer feedback supports high marks for a smooth application process, helpful local service, and clear personal loan options.
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- (90% Recommend)
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- NorthCountry ranks third with a 90% Recommend score and ties Vermont Federal for Loan Terms & Rate Satisfaction at 4.7.
- Customer feedback highlights practical loan options, responsive service, and helpful South Burlington-area branch support.
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| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Vermont Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 93% |
| EastRise Credit Union | Credit Union | 4.8 | 4.6 | 4.7 | 92% |
| NorthCountry Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| 802 Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| Green Mountain Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 86% |
| Mascoma Bank | Community Bank | 4.3 | 4.4 | 4.4 | 83% |
| Northfield Savings Bank | Community Bank | 4.3 | 4.3 | 4.4 | 82% |
| NBT Bank | Bank | 4.2 | 4.2 | 4.2 | 80% |
| Community Bank, N.A. | Bank | 4.1 | 4.2 | 4.1 | 78% |
| TD Bank | Bank | 4.1 | 4.0 | 4.1 | 76% |
Rutland Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Rutland’s area are Heritage Family Credit Union, Vermont Federal Credit Union and EastRise Credit Union.
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- (93% Recommend)
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- Heritage Family ranks highest with a 93% Recommend score and the strongest Support & Guidance score among the top 3 at 4.8.
- Customer feedback points to helpful Rutland branch service, clear borrowing support, and strong guidance through the personal loan process.
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- (91% Recommend)
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- Vermont Federal ranks second with a 91% Recommend score and ties EastRise for Loan Terms & Rate Satisfaction at 4.6.
- Customer feedback supports high marks for practical personal loan options, accessible local service, and steady borrower support.
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- (89% Recommend)
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- EastRise ranks third with an 89% Recommend score and the highest Easy Application score among the top 3 at 4.7.
- Customer feedback highlights a smooth application experience, helpful local staff, and clear loan information for Rutland-area borrowers.
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| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Heritage Family Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 93% |
| Vermont Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| EastRise Credit Union | Credit Union | 4.7 | 4.6 | 4.6 | 89% |
| Bar Harbor Bank & Trust | Community Bank | 4.4 | 4.5 | 4.5 | 86% |
| Community Bank, N.A. | Bank | 4.2 | 4.3 | 4.2 | 81% |
| M&T Bank | Bank | 4.1 | 4.1 | 4.1 | 78% |
| TD Bank | Bank | 4.0 | 4.0 | 4.1 | 76% |
| Citizens | Bank | 4.0 | 3.9 | 4.0 | 74% |
Barre Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Barre’s area are NorthCountry Federal Credit Union, Vermont Federal Credit Union and Community National Bank.
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- (92% Recommend)
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- NorthCountry ranks highest with a 92% Recommend score and the strongest Easy Application score among the top 3 at 4.7.
- Customer feedback points to a smooth borrowing process, helpful Barre branch service, and clear personal loan support.
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- (91% Recommend)
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- Vermont Federal ranks second with a 91% Recommend score and ties NorthCountry for Support & Guidance at 4.7.
- Customer feedback supports strong marks for local service, practical borrowing help, and steady support through the personal loan process.
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- (87% Recommend)
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- Community National Bank ranks third with an 87% Recommend score and the highest Loan Terms & Rate Satisfaction score among the top 3 at 4.7.
- Customer feedback highlights helpful community banking service, clear loan communication, and dependable Barre-area support.
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| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| NorthCountry Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 92% |
| Vermont Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Community National Bank | Community Bank | 4.4 | 4.7 | 4.5 | 87% |
| Northfield Savings Bank | Community Bank | 4.3 | 4.5 | 4.5 | 85% |
| Community Bank, N.A. | Bank | 4.2 | 4.3 | 4.2 | 81% |
| M&T Bank | Bank | 4.1 | 4.1 | 4.1 | 78% |
| TD Bank | Bank | 4.0 | 4.0 | 4.1 | 76% |
| BMO Bank | Bank | 3.9 | 4.0 | 4.0 | 74% |
Montpelier Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Montpelier’s area are NorthCountry Federal Credit Union, EastRise Credit Union and Community National Bank.
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- (93% Recommend)
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- NorthCountry ranks highest with a 93% Recommend score and the strongest Easy Application score among the top 3 at 4.8.
- Customer feedback points to a smooth borrowing process, strong local branch help, and clear personal loan guidance for Montpelier-area borrowers.
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- (91% Recommend)
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- EastRise ranks second with a 91% Recommend score and ties NorthCountry for Loan Terms & Rate Satisfaction at 4.7.
- Customer feedback supports high marks for clear loan options, helpful local service, and steady support during the application process.
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- (88% Recommend)
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- Community National Bank ranks third with an 88% Recommend score and the highest Support & Guidance score among the top 3 at 4.8.
- Customer feedback highlights dependable community banking service, clear communication, and helpful Montpelier branch support.
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| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| NorthCountry Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 93% |
| EastRise Credit Union | Credit Union | 4.7 | 4.7 | 4.6 | 91% |
| Community National Bank | Community Bank | 4.5 | 4.6 | 4.8 | 88% |
| Northfield Savings Bank | Community Bank | 4.4 | 4.5 | 4.6 | 86% |
| Union Bank | Community Bank | 4.3 | 4.5 | 4.5 | 84% |
| Bar Harbor Bank & Trust | Community Bank | 4.3 | 4.4 | 4.4 | 82% |
| TD Bank | Bank | 4.1 | 4.0 | 4.1 | 76% |
| M&T Bank | Bank | 4.0 | 3.9 | 4.0 | 74% |
Vermont Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Vermont’s area are Vermont Federal Credit Union, NorthCountry Federal Credit Union and EastRise Credit Union.
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- (96% Recommend)
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- Vermont Federal Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top position because customers point to online application access, clear personal loan options, and helpful service during the borrowing process.
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- (95% Recommend)
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- NorthCountry Federal Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its strong ranking because customers highlight online application access, flexible signature loan options, and clear help when applying.
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- (94% Recommend)
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- EastRise Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance score among the top 3.
- Borrower feedback supports its top-3 placement because customers point to convenient digital banking access, useful personal loan guidance, and straightforward loan choices.
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| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Vermont Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| NorthCountry Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 95% |
| EastRise Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| 802 Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| Union Bank | Community Bank | 4.6 | 4.7 | 4.7 | 92% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 91% |
| Heritage Family Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 90% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 90% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 89% |