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Add your personal loan ratesPersonal Loan Rates
Anonymous, self-reported prices matching your filters.
25th pct
12.67% APR
Median
15.61% APR
75th pct
20.11% APR
90th pct
22.62% APR
APR distribution
9.72%31.36%
What drives the rate?
Average APR by credit score.
Poor (<580)
30.83%
Fair (580-669)
20.88%
Good (670-739)
14.93%
Excellent (740+)
10.30%
Recent reports
| APR | Provider | Region | Credit score | Term | Purpose | Lender | Signed |
|---|---|---|---|---|---|---|---|
| 9.72% APR | Best Egg | PA | Excellent (740+) | 4 years | Debt consolidation | Credit union | Jun 2026 |
| 16.42% APR | Discover | GA | Good (670-739) | 4 years | Medical | Online / fintech | Jun 2026 |
| 16.82% APR | Local Credit Union | Austin, TX | Good (670-739) | 1-2 years | Home improvement | Online / fintech | May 2026 |
| 22.64% APR | Best Egg | Buffalo, NY | Fair (580-669) | 3 years | Debt consolidation | Credit union | May 2026 |
| 15.60% APR | LightStream | San Antonio, TX | Good (670-739) | 1-2 years | Home improvement | Bank | May 2026 |
| 30.30% APR | Marcus | MI | Poor (<580) | 4 years | Debt consolidation | Credit union | May 2026 |
| 14.13% APR | Local Credit Union | Miami, FL | Good (670-739) | 3 years | Other | Online / fintech | May 2026 |
| 31.36% APR | Upstart | Sacramento, CA | Poor (<580) | 5 years | Home improvement | Bank | Apr 2026 |
| 14.38% APR | Marcus | NC | Good (670-739) | 5 years | Debt consolidation | Online / fintech | Apr 2026 |
| 15.73% APR | LightStream | Sacramento, CA | Good (670-739) | 3 years | Other | Credit union | Apr 2026 |
| 18.53% APR | Best Egg | MD | Fair (580-669) | 3 years | Home improvement | Online / fintech | Apr 2026 |
| 22.60% APR | LightStream | Miami, FL | Fair (580-669) | 5 years | Debt consolidation | Online / fintech | Mar 2026 |
| 10.82% APR | Local Credit Union | UT | Excellent (740+) | 5 years | Debt consolidation | Online / fintech | Mar 2026 |
| 10.17% APR | Upstart | Los Angeles, CA | Excellent (740+) | 4 years | Major purchase | Credit union | Feb 2026 |
| 15.61% APR | Marcus | AZ | Good (670-739) | 4 years | Debt consolidation | Online / fintech | Feb 2026 |
| 10.31% APR | Marcus | Houston, TX | Excellent (740+) | 1-2 years | Debt consolidation | Bank | Feb 2026 |
| 10.47% APR | LightStream | OH | Excellent (740+) | 1-2 years | Debt consolidation | Credit union | Feb 2026 |
| 13.86% APR | SoFi | PA | Good (670-739) | 5 years | Debt consolidation | Online / fintech | Feb 2026 |
| 12.67% APR | SoFi | PA | Good (670-739) | 4 years | Medical | Credit union | Feb 2026 |
| 20.11% APR | Local Credit Union | Orlando, FL | Fair (580-669) | 5 years | Home improvement | Online / fintech | Jan 2026 |
| 21.64% APR | LightStream | SC | Fair (580-669) | 3 years | Debt consolidation | Credit union | Jan 2026 |
| 18.59% APR | Local Credit Union | Rochester, NY | Fair (580-669) | 5 years | Medical | Online / fintech | Jan 2026 |
| 22.05% APR | LightStream | MN | Fair (580-669) | 1-2 years | Medical | Credit union | Jan 2026 |
| 14.03% APR | LightStream | WI | Good (670-739) | 5 years | Other | Online / fintech | Jan 2026 |
| 10.30% APR | Best Egg | Buffalo, NY | Excellent (740+) | 3 years | Other | Online / fintech | Jan 2026 |