Personal Loan Rates Firm;
Signature at 10.996%

Personal loan APRs firmed slightly this week, with all three tracked categories a touch higher. Signature loans, the rate leader, edged up to 10.996%, debt consolidation rose to 10.922% on a small reporting pool, and personal loans held about flat at 10.682%. The overall average sits near 10.80%. The three categories are bunched within a third of a point, all in the high-10% range, where personal loan pricing has held for weeks.

📊 Full personal loan data: 1,802 institutions tracked across all 50 states.

NATIONAL: National personal loan APRs firmed slightly the week ending June 29, 2026, with all three tracked categories a touch higher. Signature loans, the rate leader, edged up 0.018 points to 10.996%, holding the highest read. Debt consolidation loans rose 0.132 points to 10.922%, the largest move on the board, though from a small reporting pool. Personal loans, the flagship category, held about flat, up 0.012 points to 10.682%. The overall average sits near 10.800%.

Signature loans stayed on top. The category rose 0.018 points to 10.996%, keeping it the highest-cost read of the three and just shy of the 11% line. Signature loans are unsecured and fixed-rate, so they carry the risk premium that comes with no collateral, and they have sat at the top of this board for weeks. The move was small, the kind of fractional drift a flat market produces.

Debt consolidation posted the week’s biggest change, but it deserves an asterisk. The category rose 0.132 points to 10.922%, the largest move of the three, yet it is drawn from a small reporting pool of fewer than 90 institutions, so a single lender adding or dropping a product can swing the average more than the market does. Read that move as sample noise, not a signal. The clean, large-pool read this week is the personal loan category itself, which barely moved, up 0.012 points to 10.682% across more than 1,100 institutions. That figure is back firmly in its usual range, confirming that the brief spike two weeks ago was a quirk of the reporting pool rather than anything in the market.

For borrowers, the spread between the categories matters less than the spread within them. The three averages sit within about a third of a point of one another, but the rates behind them run from roughly 2% for the strongest credit profiles to the high-20% ceiling for the weakest, so a single borrower’s APR depends far more on credit score, loan term, and lender than on which category the loan is labeled. Anyone weighing whether to fold high-rate balances into a single fixed payment can test the math with a debt consolidation calculator, and comparing offers across lenders, including local options on Pennsylvania personal loan rates, is where the real savings sit.

A quiet, fractionally higher week is the right read on personal loans right now. Signature is the most expensive, personal loans the cheapest, and debt consolidation sits between them, all within a third of a point and all in the high-10% range, where they have held for weeks. The only attention-grabbing number, debt consolidation’s 0.132-point jump, comes from a pool too small to trust week to week, while the categories with deep reporting barely moved. That is the tell of a market that is sitting still: the steady reads drift by hundredths, and the noise comes from the thin samples.

Personal loans sit further from the Federal Reserve than almost any other product on this site. The Fed held the federal funds rate at 3.50% to 3.75% on June 17 for a fourth straight meeting, the first under new Chair Kevin Warsh, and leaned hawkish in its projections, but unsecured personal loan APRs are priced on the borrower’s credit tier, the loan term, and each lender’s appetite for risk far more than on the policy rate. An elevated, parked rate environment keeps these costs firm, which is roughly where they sat this week. For a borrower, the lever that moves the rate is not the Fed; it is credit score and how many lenders you ask. Category-by-category movement is tracked on the personal loan rate history page.