Personal Loan Rates in the US — 2026
Personal loan rates in 2026 vary by credit score and lender:
- Excellent credit (760+): 6%–12% APR
- Good credit (670–759): 12%–20% APR
- Fair credit (580–669): 20%–30% APR
- Auto loans: 5%–10% (secured)
Personal loan rates in 2026 vary by credit score and lender:
Annual Percentage Rate — includes interest plus fees, giving you the true cost of borrowing. Always compare APR, not just the stated interest rate.
Fixed rates stay the same for the loan term. Variable rates can change based on market conditions, creating payment uncertainty.