Find the lowest rates from 300+ trusted lenders. All rates updated daily and shown for illustrative purposes.
The rates shown above represent competitive starting rates from each lender, typically available to borrowers with excellent credit. Your actual rate depends on several factors: your credit score (higher scores unlock lower rates), the loan amount and term, your debt-to-income ratio, employment history, and the specific product you choose. Two borrowers applying to the same lender on the same day can receive very different rates based on these factors.
A fixed rate stays the same for the entire loan term, giving you predictable monthly payments. A variable (or adjustable) rate can change over time based on a benchmark index like the prime rate. Variable rates often start lower than fixed rates but carry the risk of increasing. For personal loans and auto loans, fixed rates are most common. For mortgages, you can choose between fixed and adjustable rate options. Credit cards almost always have variable APRs.
Different lenders have different cost structures, risk appetites, and target customers. Online lenders typically have lower overhead costs than traditional banks, which can translate to lower rates. Credit unions are nonprofit institutions that often offer competitive rates to their members. Large banks may offer rate discounts if you already have accounts with them. This is why comparing rates from multiple lender types is important -- you may find the best deal from a lender you had not considered.
If the rates you see are higher than you expected, there are steps you can take before applying: check your credit reports for errors and dispute any inaccuracies, pay down existing debt to lower your debt-to-income ratio and credit utilization, avoid opening new credit accounts in the months before your application, and consider adding a co-signer with strong credit. Even a modest improvement in your credit score can move you into a lower rate tier.
Important: Rates shown are for illustrative purposes only and may change at lender discretion. Actual rates may vary based on your credit profile, loan amount, term, and other factors. Not all applicants will qualify for the lowest rates. Rates above may not be available at the time of loan commitment or lock-in. APR includes interest rate and fees.