Today's Loan Rates
Competitive rates starting at 5.99% APR. Your rate depends on your credit score, loan amount, and term.
Last updated:
Personal Loan Rates
Rates vary based on creditworthiness. APR includes all fees.
| Credit Score | APR Range | Example Payment* | Loan Amount |
|---|---|---|---|
|
Excellent (720+)
|
5.99% - 9.99% | $322/mo | $10,000 - $100,000 |
|
Good (680-719)
|
10.99% - 15.99% | $358/mo | $5,000 - $75,000 |
|
Fair (640-679)
|
16.99% - 23.99% | $402/mo | $2,500 - $50,000 |
|
Below Average (580-639)
|
24.99% - 35.99% | $468/mo | $1,000 - $25,000 |
*Example payment based on $10,000 loan for 36 months at the lowest rate in each tier.
Mortgage Rates
Today's mortgage rates for qualified borrowers.
30-Year Fixed
6.25%
APR: 6.38%
$1,539/mo per $250K
20-Year Fixed
5.99%
APR: 6.12%
$1,791/mo per $250K
15-Year Fixed
5.50%
APR: 5.65%
$2,042/mo per $250K
5/1 ARM
5.25%
APR: 7.15%*
$1,380/mo per $250K
*ARM APR reflects full term with rate adjustments. Rates assume 20% down payment and 740+ credit score.
What Affects Your Rate?
Understanding these factors can help you get the best possible rate on your loan.
Credit Score
Higher scores unlock lower rates. Check your score for free before applying.
Loan Amount
Larger loans may qualify for better rates due to efficiency of lending.
Loan Term
Shorter terms typically have lower rates but higher monthly payments.
Debt-to-Income
Lower debt relative to income demonstrates ability to repay.
See Your Personalized Rate
Check your rate in minutes with no impact to your credit score.
Rate Lock Guarantee
Lock your rate for up to 45 days while you complete your application.
Best Rate Promise
Find a better rate elsewhere? We'll match it or give you $100.
No Surprise Fees
The rate you're quoted is the rate you'll pay. No hidden fees ever.
Important Rate Disclosures
All rates shown are Annual Percentage Rates (APR) and are subject to change without notice. Your actual rate will depend on your credit profile, loan amount, loan term, and other factors.
Personal loan APR ranges from 5.99% to 35.99%. Mortgage rates assume a 20% down payment, 740+ credit score, and a single-family primary residence. ARM rates may increase after the initial fixed period.
LendSmart is a fictional company created for demonstration purposes. NMLS #000000. Equal Housing Lender.