Home RatesPersonal Loans

No weekly change

Personal Loan Rate Trends

Follow personal loan APRs and compare them against high-rate card debt or large planned expenses.

Best personal loan APR

7.49% APR

Benchmark average

10.49% APR

User opportunity

25 bps can matter on large balances

Historical archive

Personal Loans over time

No weekly change

Jun 23

11.99%

Jun 24

11.99%

Jun 25

11.99%

What changed

Rates are holding steady, which makes comparison discipline more important than timing.

Why it matters

Can I cut my borrowing cost?

What to do next

Compare a fixed payment against your current debt cost.

How we track this rateShow

SourceSwitchWize Rate Scout (Bankrate), updated daily

MethodBest personal loan APR sourced from SwitchWize Rate Scout daily scrape. Lowest advertised rate typically requires excellent credit (720+ FICO). Actual rate offered depends on income, credit history, and debt-to-income ratio.

Verified existing coverage

Use what SwitchWize already has

6 links

GuideA Personal Loan at 10% APR vs. a Credit Card at 22%: The Math Is Not CloseWhen a personal loan makes sense, when it destroys value, how to get the lowest rate, and what lenders don't disclose upfront — including the origination fee that changes every calculation.GuideWhat the Dealer Adds to Your Auto Loan Rate, and How to Beat ItWhen a dealer arranges your car loan, it often marks up the lender's rate and keeps the difference. That hidden spread can cost thousands. Here is how to see it and get the real rate.GuideFinance the Car or Pay Cash? At a 5% Savings Rate, the Math FlippedWhen your savings earns more than the loan charges, financing a car and keeping the cash can leave you ahead. Here is the rule that decides it, and where it breaks down.GuideHow to Switch Banks Without Breaking a Single Auto-PaymentThe reason most people never move to a higher rate is fear of breaking a bill. Here is the order of operations that switches your bank with zero missed payments and zero downtime.CalculatorPersonal Loan CalculatorCalculate your monthly payment and total interest for any personal loan.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

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Benchmark

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