Personal loan rates in the USA depend heavily on your credit score. Here are the latest averages for November 2026 — with each figure attributed to its source, because averages differ by how they are measured.
The averages
- Bankrate Monitor, 4 Nov 2026: average personal loan rate 12.36% (700 FICO, $5,000, 3-year term)
- Credible marketplace, week ending 1 Nov 2026: 3-year average 15.30% APR, 5-year 19.22% APR
- Lowest advertised rates from about 5.96% (Happen Bank) and 6.5%–7% (LightStream, SoFi with autopay)
- Overall range: 6%–36% APR
Rates by credit score (NerdWallet, last 30 days)
- Excellent (720–850): 15.03%
- Good (690–719): 19.59%
- Fair (630–689): 24.18%
- Bad: 29.53%
The context
The Federal Reserve raised rates 25 basis points on 16 September 2026, with the federal funds rate topping 4.00% and the prime rate at 7.00%.
This is general education, not financial advice. Check the lender’s current rate before applying.
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