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Find the Best Personal Loans in Buffalo, NY

Whether it’s to pay bills, consolidate debt, take a vacation or update a home, personal loans are a great source of cash, allowing borrowers to pay back principal and interest in monthly installments. Online lenders, banks and credit unions all offer options. To simplify things, we researched the best personal loans in Buffalo so you can get qualified.

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Compare Top Personal Loans

Personal Loan Pro
  • Loans up to $50,000
  • Get funds by the next business day
  • No hit to your credit score when you check offers
  • Available in Buffalo and nationwide
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Best Egg
Overall satisfaction rating
  • Loans from $2,000 to $35,000
  • Money deposited in as little as 1 day
  • Available in Buffalo
  • Check rates online

Apply With Us Today!

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Overall satisfaction rating
  • Available in Buffalo
  • Same-day decision
  • Loans from $7,500 to $40,000
  • Terms from 2-5 years

Loan amounts from $7,500 to $50,000. Select from 24- to 60-month terms. APR from 7.99% to 29.99%. Minimum credit score varies. Origination fee up to 4.99%. No prepayment penalty.

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  • Competitive interest rates
  • Fast loan decisions
  • Easy-to-understand apps
  • Community bank with local decision-making
535 Washington St., Ste. 101
Buffalo, NY 14203
(716) 462-5500
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Buffalo Service Credit Union
  • Terms up to 60 months
  • Serving Buffalo since 1933
  • Borrow up to $15,000
  • Competitive rates
130 S. Elmwood Ave., Ste. 126
Buffalo, NY 14202
(716) 842-1320
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M&T Bank
  • M-Th: 9am - 4pm
  • F: 9am - 5pm
  • Closed Sat and Sun
  • mtb.com
1 Fountain Plaza
Buffalo, NY 14203
(716) 848-3303
Riverside Federal Credit Union
  • M-Th: 9am - 5pm
  • F: 9am - 6pm
  • Sat: 9am - 12pm
  • Closed Sun
3199 Delaware Ave.
Kenmore, NY 14217
(716) 875-1747
Empire ONE Federal Credit Union
  • M-T, Th: 8:30am - 4:30pm
  • W: 10am - 4:30pm
  • F: 9am - 5:30pm
  • Closed Sat and Sun
1155 William St.
Buffalo, NY 14206
(800) 678-4968

How to choose a personal loan company in Buffalo

Buffalo skyline

A personal loan in Buffalo allows you to borrow up to thousands of dollars and pay the lender back monthly, sometimes over a period of several years. Often, the funds have no restrictions attached and can be used for any legal purpose.

There are other reasons personal loans are attractive. The application process is simple. If you are eligible to borrow, funds are available quickly. And interest rates are usually lower than what consumers pay with credit cards.

When shopping for a personal loan, you’re likely to see both secured and unsecured loans advertised.

  • A secured loan requires collateral, like a car, that the lender can seize if the borrower fails to repay.
  • An unsecured loan requires only the borrower’s signature.

In general, the higher your credit score, the more likely you will be able to obtain an unsecured loan. A stronger credit score will also help you obtain a lower interest rate and get you access to more money. That’s why it’s important before applying to check your credit report and make sure it’s accurate.

Once ready to apply, look for offers from as many lenders in Buffalo as possible. If your credit isn’t as strong, a credit union is your best bet. Most companies will require common documents, so have them ready:

  • Government-issued ID
  • Social Security number
  • Proof of income, like bank statements
  • Proof of residence, like a utility bill

After applying, compare the total costs of the loans. This includes not just principal and interest, but also possible origination fees or late payment penalties. Try to find a lender that charges no prepayment penalty and provides payment flexibility features, like setting up your payment on the monthly date you choose.

Personal Loans Reviews

Personal Loan Pro

Millions of people across the U.S. have used Personal Loan Pro to request a total of over $46 billion in personal loans. The free-to-use site shows you loan offers from $1,000 to $50,000 in just minutes, with no effect on your credit. At the time of publishing, rates are as low as 2.49%. Cash is deposited into your bank account as soon as the next business day.

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Best Egg

Best Egg is an online lending platform offering personal loans from $2,000 to $35,000. After a quick application process, qualified Buffalo borrowers can expect funds deposited in just a single day. Different term options are available to pay off a loan faster or manage monthly payments. Reviewers say Best Egg, which has funded over $9 billion in loans for over 550,000 customers, should be the first option for anyone needing a personal loan.

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Personal loans from FreedomPlus, an online lender, are available in amounts from $7,500 to $40,000. Apply online and get a credit decision within several hours, then receive funds within 48 hours. Fixed monthly payments and clear terms, along with personal service, make FreedomPlus a popular choice. Many customers give the company five stars for its professional staff and hassle-free lending process.



BankonBuffalo, a division of CNB Bank, has different kinds of personal loans available for borrowers in New York’s second largest city. Staff at any of the area locations help design a product to meet your needs, and reduced rates are available if you make monthly payments automatically from a BankonBuffalo checking account. Customers say the bank’s employees are knowledgeable and always eager to help.


Buffalo Service Credit Union

Buffalo Service Credit Union is the oldest credit union in Buffalo. Membership is offered to anyone who works, lives, worships or goes to school in Erie County and includes access to personal loans with low rates. Unsecured loans of up to $15,000 are available with terms up to 60 months. Reviewers say applying for a personal loan at Buffalo Service Credit Union is easy and straightforward.

Buffalo Service Credit Union