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Rates are based on creditworthiness, so your rate may change. Personal Loan rates range from to APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $156 to $183 and finance charge range from $623 to $1,598. ↵.27/11/2017 · You typically need to have a credit score of around 760 or higher and enough cashflow to support repayments for the lowest rates and highest amounts a lender offers. Your loan term also affects the rates you’re eligible for. You can only qualify for a APR with a term of 3 years or ;· Although there isn't a specified Navy Federal Credit Union credit score requirement, Navy Federal Credit Union will consider people who have bad credit, according to customer service. Most other lenders' credit score requirements for personal loans range between 585 and ;· For comparison, most online personal loan companies and even banks may have rates as high as 36%. On a $10,000 three-year loan