Huntington Bank Personal Loan Review: Rates for 2026

Huntington Bank is one of the few large regional banks still making unsecured personal loans directly, and its pricing holds up: rates start under 9% APR as of July 2026, with a ceiling well below what many online lenders charge. There are two catches most reviews skim past, though. The loans are only available in 22 states, and Huntington publishes fewer product details than its online competitors.

Here is a full breakdown of what a Huntington Bank personal loan offers, what it costs, and who should look elsewhere.

Key Facts at a Glance

All figures are as of July 2026:

Huntington Personal Loan Rates as of July 2026

Huntington personal loan rates run from 8.72% to 25.00% APR on unsecured loans, per the bank's most recent published disclosure. Deposit-secured loans price lower, from 7.01% to 25.00% APR, because your own money backs the loan. All rates are fixed.

Third-party reviews note that the lowest rates may require a 0.25% autopay discount, so ask about automatic payments when you apply. APRs vary by creditworthiness, loan amount, and term, and terms and conditions apply.

That 25.00% ceiling matters more than the floor. Many online lenders cap out at 35.99% APR, so borrowers with middling credit may pay meaningfully less at Huntington if approved. Borrowers with excellent credit, on the other hand, may find starting rates below 8.72% elsewhere, so compare quotes.

Unsecured vs. Deposit-Secured Loans

The standard unsecured loan goes up to $50,000 with no collateral, based on your credit and income.

The deposit-secured option is the unusual one. You pledge a Huntington deposit account, such as savings or a CD, and borrow up to its value, as high as $500,000. Your money keeps earning interest while it secures the loan. This structure suits people who want to keep long-term savings intact, need a large amount, or want easier approval with a lower starting rate.

Fees and the Fine Print

Huntington charges no application fee and no prepayment penalty, so paying the loan off early costs nothing extra.

The bank does not publish origination fee details or exact repayment term lengths online, which is a real transparency gap compared to online lenders. Confirm both with a banker before signing. Huntington also lets you push your first payment up to 60 days after closing. That breathing room is convenient, but interest still accrues, so deferring adds a little to your total cost.

Where Huntington Personal Loans Are Available

As of July 2026, Huntington personal loans are offered to residents of 22 states: Alabama, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, North Carolina, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, West Virginia, and Wisconsin.

If you live anywhere else, including big markets like California and New York, you will need a different lender.

Who Qualifies

Huntington does not publish a minimum credit score, income requirement, or debt-to-income cutoff. As a general pattern, banks making unsecured loans of this size typically favor applicants with scores in the mid-600s or higher, steady income, and manageable existing debt. Existing Huntington customers may also find the process smoother since the bank can see their account history.

If your credit is thin or bruised, the deposit-secured loan is the easier path, since your pledged funds reduce the bank's risk.

What a Huntington Loan Costs: Real Examples

Borrow $20,000 at the 8.72% floor for five years and you pay about $412 a month, with roughly $4,700 in total interest.

The same $20,000 at the 25.00% ceiling for five years costs about $587 a month and roughly $15,200 in interest. That spread is why your credit profile matters far more than the advertised starting rate. Ask the lending center what rate you actually qualify for before committing.

Pros and Cons

Pros:

• Rates start at 8.72% APR, competitive for a bank loan
• 25.00% maximum is well below many online lenders' ceilings
• Up to $50,000 unsecured, or $500,000 secured by deposits
• No application fee and no prepayment penalty
• First payment can wait up to 60 days

Cons:

• Available in only 22 states
• Term lengths and origination fee details are not published online
• No published credit score or income guidance
• Some details require a branch visit or phone call

How Huntington Compares to Online Lenders

If you live outside Huntington's footprint or want a benchmark quote, online options fill the gap. Upstart lends $1,000 to $75,000 and considers education and employment along with credit, which can help applicants with shorter credit histories, though its top rates run above Huntington's 25.00% cap.

MoneyLion operates a marketplace that returns offers from multiple lenders after one short form, with no impact on your credit score, which makes it an easy way to benchmark Huntington's quote.

For smaller amounts, EzLoan matches borrowers with fair or poor credit to loans up to $5,000 in a few minutes, with no collateral required.

Prequalifying through these platforms typically uses a soft credit pull, so gathering comparison quotes should not hurt your score.

How to Apply

You can apply online, at a branch, or by calling Huntington's lending center at 877-587-8051. Have your ID, proof of income, and monthly debt figures ready. Before you accept, confirm the term length, any origination fee, and your exact APR in writing, then compare the total repayment cost against at least two outside offers.

Frequently Asked Questions

What are Huntington personal loan rates right now?

As of July 2026, unsecured loans run 8.72% to 25.00% APR and deposit-secured loans run 7.01% to 25.00% APR, all fixed. Your rate depends on your credit profile, loan amount, and term. The lowest rates may require an autopay discount.

What credit score do you need for a Huntington personal loan?

Huntington does not publish a minimum. Banks offering unsecured loans of this size typically look for scores in the mid-600s or higher, along with steady income. The deposit-secured loan is more accessible because your pledged account reduces the bank's risk.

Does Huntington charge fees on its personal loans?

There is no application fee and no prepayment penalty. Huntington does not publish origination or late fee details online, so ask a banker for the full fee schedule and confirm your terms in writing before signing.

Can I get a Huntington personal loan in any state?

No. As of July 2026, the loans are available in 22 states, mostly across the Midwest and South, including Ohio, Michigan, Texas, Florida, and Pennsylvania. Residents of other states, including California and New York, will need a different lender.