Personal Loan Rates Hold Steady;
APRs Near 10.9%

Personal loan rates held steady this week, in the first week-over-week comparison since tracking launched. All three segments edged up fractionally: personal loans rose 0.029 points to 10.837% APR, debt consolidation rose 0.023 points to 10.761%, and signature loans rose 0.016 points to 11.015%. The segment ordering established at launch held intact, with the overall universe essentially flat at 10.854%.

📊 Week-over-week data for all 3 personal loan segments tracked by MonitorBankRates.com.

NATIONAL — National average personal loan rates held steady for the week ending May 25, 2026, in the first week-over-week comparison since MonitorBankRates.com launched personal loan tracking. All three tracked segments edged up fractionally. General personal loans rose 0.029 points to 10.837% APR. Signature loans — pure unsecured products underwritten solely on creditworthiness — rose 0.016 points to 11.015% APR, remaining the highest of the three. Debt consolidation loans rose 0.023 points to 10.761% APR, still the lowest. The overall personal loan universe was essentially flat, edging up 0.007 points to 10.854% APR across 6,481 verified rate quotes.

Personal loans rose 0.029 points to 10.837% APR across 1,443 reporting institutions — the week’s largest segment move, though still a fractional one. This category covers general-purpose unsecured personal loans without specialized branding, the largest single segment by both institution count and rate-quote volume. The wide reporting pool produces a strong sample for the national benchmark, drawn primarily from credit unions and community banks. Rates within this segment ranged from 1.990% to 35.990% APR — an unusually wide dispersion reflecting differences in creditworthiness underwriting at the institution level. For most borrowers, the realistic competitive range falls between roughly 8% and 14%.

Signature loans rose 0.016 points to 11.015% APR across 1,301 reporting institutions — the smallest move of the three segments. Signature loans are the purest form of unsecured personal credit — no collateral, no specific use restriction, and approval based entirely on the borrower’s signature and credit history. The segment remains the rate leader, and its premium over general personal loans narrowed slightly to 0.178 points from 0.191 last week, as personal loans rose marginally faster than signature loans. Range: 1.990% to 24.990%.

Debt consolidation loans rose 0.023 points to 10.761% APR across 111 reporting institutions. This segment’s smaller reporting pool reflects that debt consolidation is often offered as a use-case variant of general personal loans rather than a separately branded product; the institutions that do brand it specifically tend to be larger banks and online lenders. At 10.761%, debt consolidation rates remain the lowest of the three segments — a small but consistent benefit at the institutions that price the use case favorably. For borrowers consolidating high-APR credit card debt (typical credit card APRs run 18-25%), this represents meaningful savings.

Personal loans occupy a distinct position in the consumer credit market: unsecured by nature, faster to underwrite than mortgage or auto loans, and flexible in use. The trade-off is APR — with no collateral securing the loan, lenders price the higher default risk into the rate. This week’s 10.854% overall average sits roughly 4.6 points above current new auto loan rates (5.702%) and 4.5 points above 30-year fixed mortgage rates (6.361%). Compared to credit card APRs — typically 18-25% for revolving consumer credit — personal loans offer substantial savings for borrowers who can qualify and prefer fixed amortization over revolving balances.

The 0.254-point spread between the segment averages (10.761% to 11.015%) is narrow but consistent with how these products are typically priced — and essentially unchanged from the 0.261-point spread at launch. Signature loans, the purest unsecured product, sit at the top. Debt consolidation, which gives lenders some visibility into the borrower’s actual use of funds (often retiring higher-APR credit card debt), sits at the bottom. General personal loans fall between. With all three segments edging up by similar fractional amounts this week, the structure of the personal loan market is holding steady in its first week-over-week reading. For borrowers considering consolidating credit card debt, the debt consolidation calculator compares blended-rate consolidation scenarios against current revolving balances. Track how segment averages evolve on the personal loan rate trends page.