Best Loans in Troy, OH — Compare All Types (2026)
Looking for the best loan rates in Troy? Compare personal loans, auto loans, student loans, and mortgage refinance rates — with local lender data and OH state regulations.
Personal Loans in Troy
Unsecured personal loans for Troy residents — for debt consolidation, emergencies, home improvement, and more. No collateral required.
Auto Loans in Troy
New and used car loans for Troy drivers. Compare dealership financing vs. local credit unions before you sign anything.
Student Loans in Troy
Federal and private student loan options for students attending colleges and universities in Troy and OH.
Home Loan Refi in Troy
Refinance your Troy mortgage at today's rates. Compare 30-year, 15-year, and VA refinance options for OH homeowners.
| Credit Score | Credit Tier | Expected APR Range | Monthly Payment ($10k/36mo) |
|---|---|---|---|
| 720 – 850 | Excellent | 6.20% – 12% | ~$304 – $332 |
| 680 – 719 | Good | 12% – 18% | ~$332 – $362 |
| 640 – 679 | Fair | 18% – 24% | ~$362 – $394 |
| 580 – 639 | Poor | 24% – 30% | ~$394 – $428 |
| Below 580 | Bad Credit | 30% – 36% | ~$428 – $465 |
| Loan Type | Average Rate | Best Rate | Loan Term |
|---|---|---|---|
| New Car Loan | 6.37% | 4.66% | 48 – 72 months |
| Used Car Loan | 11.26% | 7.43% | 36 – 60 months |
| Refinance Auto Loan | 8.50% | 5.29% | 24 – 60 months |
| Private Party Auto | 12.00% | 7.66% | 36 – 60 months |
| Loan Type | Interest Rate | Who Qualifies | Annual Limit |
|---|---|---|---|
| Direct Subsidized (Federal) | 6.53% | Undergrad with need | $3,500 – $5,500 |
| Direct Unsubsidized (Federal) | 6.53% – 8.08% | All enrolled students | Up to $20,500 |
| PLUS Loan (Federal) | 9.08% | Grad students / Parents | Full cost of attendance |
| Private Student Loans | 3.99% – 15.99% | Credit-based approval | Up to full COA |
| Loan Type | Average Rate | Best Rate | Best For |
|---|---|---|---|
| 30-Year Fixed Refi | 6.73% | 6.65% | Lower monthly payments |
| 15-Year Fixed Refi | 6.09% | 5.95% | Pay off faster |
| VA 30-Year Refi | 5.48% | 5.21% | Veterans & military |
| 5/1 ARM Refi | 6.31% | 6.09% | Short-term owners |
- Loans up to $100,000
- Zero fees of any kind
- Same-day funding
- Terms up to 144 months
- Available in OH
- Loans up to $100,000
- No origination fees
- Unemployment protection
- Same-day funding
- Available in OH
- Min credit score: 300
- AI-based approval
- Fast 1-day funding
- No prepayment penalty
- Available in OH
- Local Troy lender
- Member-focused service
- Competitive rates
- In-person support
- Based in Troy
Check Your Credit Score
Pull your free credit report at annualcreditreport.com before applying. Your score determines your rate in Troy.
Compare Multiple Lenders
Get quotes from at least 3 lenders — including national lenders and local Troy credit unions.
Get Pre-Approved
Most lenders offer soft-pull prequalification that won't hurt your credit score.
Submit Application
Provide your ID, proof of income, and bank details. Most Troy lenders decide within 24 hours.
Receive Your Funds
Most online lenders fund Troy borrowers within 1–3 business days after approval.
| Regulation | Details for OH |
|---|---|
| Maximum Interest Rate | 10.33% APR maximum for personal loans |
| Loan Amount Limits | No state cap on personal loan amounts in OH |
| Licensing | All lenders must be licensed to operate in OH |
| Prepayment Penalty | Not allowed on personal loans in OH |
| Collection Rules | OH follows federal FDCPA collection guidelines |
Ready to Find Your Best Loan Rate in Troy?
Compare personal loans, auto loans, student loans, and mortgage refinance rates from top lenders serving Troy, OH — completely free.
Compare Troy Loan Rates →LoanWiseUSA is an independent loan comparison website serving Troy, OH and 500+ U.S. cities. We may receive compensation when you apply through our links — this never affects our recommendations. Rates shown are estimates based on current market data and are subject to change. Always verify current rates directly with lenders. Content is for informational purposes only and does not constitute financial advice. OH loan law information is general in nature — consult a licensed attorney for specific legal guidance.