Brian McKay
Current personal loan options available to borrowers in White Bluff, Tennessee include: City Employees Credit UnionCity Employees Credit UnionA+5.0 ★Texas Ratio: 1.34% offering Signature Loan at 7.00% APR, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 6.51% offering Unsecured / Signature Loan at 7.50% APR, Chattanooga Federal Employees Credit UnionChattanooga Federal Employees Credit UnionA+5.0 ★Texas Ratio: 3.20% offering Personal/Signature Loans at 7.50% APR, MPD Community Credit UnionMPD Community Credit UnionA+5.0 ★Texas Ratio: 2.95% offering Personal Loans at 7.50% APR, and Tennessee Valley Federal Credit UnionTennessee Valley Federal Credit UnionA+5.0 ★Texas Ratio: 2.40% offering Personal Term Loan at 7.99% APR. Personal loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
White Bluff borrowers have access to 81 lenders serving the Tennessee area, with personal loan rates as low as 7.00% APR from City Employees Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can confidently borrow from a stable, highly-rated institution in White Bluff, Tennessee.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in White Bluff, Tennessee. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: September 16, 2026
The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Maximum Amount: 20% of Gross Income - Depends on Credit Score
No additional details available.
As Low As
No additional details available.
Promotional rate available from September 1 to December 31, 2026. Limit one per member. Existing loans must be paid in full through refinance. Automatic payments and direct deposit into an IFCU checking account are required.
As low as; All rates are subject to change. Rate is based on an evaluation of an applicants credit.
No additional details available.
No additional details available.
No additional details available.
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Purchase Price Plus Sales Tax.; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Fixed Rate
No additional details available.
Unsecured/Signature Loans for $4,000 with an interest rate of 8.50% (8.50% APR) and a term of 48 months would have a monthly payment of $92.32.
No additional details available.
Unsecured Loans
No additional details available.
No additional details available.
As low as; Rates subject to change without notice.
No additional details available.
As low as; APR*
No additional details available.
APR range up to 9.000%
No additional details available.
$26,000; As Low As
As Low As
No additional details available.
No additional details available.
As low as; Regular APR: 9.24%
As Low As
As Low As; (Rates as of 4/2/2026)
As Low As; Rates effective as of 03/31/2026
No additional details available.
As low as; Rates are based on credit history, terms of loan, payment type, and other potential conditions.
As Low As; 18.00% APR
No additional details available.
Up to $5,000
As low as
Rate accurate as of September 14, 2026
As low as; Must be a Listerhill Credit Union member to apply. Subject to credit approval. Actual rate will be determined by the creditworthiness of the borrower. Additional terms may be available. Other restrictions may apply. See a member advocate for more details. APR = Annual Percentage Rate. Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
maximum $35,000
No additional details available.
No additional details available.
Term: term given upon credit union approval; Signature Loans
Credit Rating: A
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
Maximum Rate: 13.99%
No additional details available.
As low as
APR* Up To: 18.00%
As Low As; See disclosure section below for details
APR as low as 10.00%
Loan Amount: UP TO $10,000.00
APR range up to 10.000%
No additional details available.
As Low As; Fixed
Unsecured as low as 10%* MAX. limit <2000$
No additional details available.
As Low As
Rate accurate as of September 14, 2026
As Low As
Effective 3/1/2026
Credit Score: 850-750
As Low As
Based on annual income*
As low as; Must be a Listerhill Credit Union member to apply. Subject to credit approval. Actual rate will be determined by the creditworthiness of the borrower. Additional terms may be available. Other restrictions may apply. See a member advocate for more details. APR = Annual Percentage Rate. Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
Credit Score: 850-750; $5,000+
No additional details available.
As Low As
Term: One, two, three, or four year payback; Maximum three times monthly salary amounts in excess of $4000.00 must meet loan guidelines
No additional details available.
Rate accurate as of September 14, 2026
Rates as low as 10.74%
No additional details available.
Credit Score: 749-700
As Low As
As Low As; Max $50,000
Rates range from as low as 10.95% to 18%.
No additional details available.
No additional details available.
As Low As; Max $50,000
As low as
As Low As; APR= Annual Percentage Rate
As low as; ($4,000.00 min $6,000.00 max)
Longer Terms Available.
As Low As
As low as 10.99% APR
APR range up to 11.000%
No additional details available.
Base Interest Rate
No additional details available.
As Low As
Credit Score: 749-700; $5,000+
Rate accurate as of September 14, 2026
Term: 6 months up to 48 months; Rate is based on credit performance, loan term, and PFCU discounts.
As low as; Must be a Listerhill Credit Union member to apply. Subject to credit approval. Actual rate will be determined by the creditworthiness of the borrower. Additional terms may be available. Other restrictions may apply. See a member advocate for more details. APR = Annual Percentage Rate. Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
Credit Score: 699-650
Variable
Base Interest Rate
Credit Score: 699-650; $5,000+
No additional details available.
As low as
Credit Rating: B
No additional details available.
As low as
As low as; Must be a Listerhill Credit Union member to apply. Subject to credit approval. Actual rate will be determined by the creditworthiness of the borrower. Additional terms may be available. Other restrictions may apply. See a member advocate for more details. APR = Annual Percentage Rate. Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
New money only. NCUA insured.
As Low As; New money only. Eligibility required. NCUA insured.
As Low As
Rate accurate as of September 14, 2026
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APR range: 12.35% - 18.00%
As low as; Rates subject to change without notice and is based on creditworthiness.
No additional details available.
No additional details available.
Credit Rating: A+
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As low as; Rate: 13.00%
As low as; Rate: 13.00%
As Low As
No additional details available.
Credit Rating: A
As low as; Rates subject to change without notice and is based on creditworthiness.
As Low As; Starting at
APR range up to 14.000%
No additional details available.
As Low As
Loan Amount: UP TO $1,000.00
Unsecured as low as 15%* MAX. limit @ $2001 to $5000
As Low As
UP TO $5000
Credit Rating: B, C
Credit Score: 649-600
As Low As; Min $500 up to Max $1,600
Credit Rating: C
Credit Score: 599-500
APR* Starting At: 9.99%
As Low As
As low as; All rates are subject to change. Rate is based on an evaluation of an applicants credit.
No additional details available.
Fixed Rate
No additional details available.
As Low As
As Low As; (Rates as of 4/2/2026)
As Low As; Rates effective as of 03/31/2026
As low as; Rates are based on credit history, terms of loan, payment type, and other potential conditions.
As Low As; 18.00% APR
Rate accurate as of September 14, 2026
As low as; Must be a Listerhill Credit Union member to apply. Subject to credit approval. Actual rate will be determined by the creditworthiness of the borrower. Additional terms may be available. Other restrictions may apply. See a member advocate for more details. APR = Annual Percentage Rate. Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
As Low As
As low as
As Low As; See disclosure section below for details
APR as low as 10.00%
As Low As; Fixed
As Low As
Rate accurate as of September 14, 2026
As Low As
As Low As
As low as; Must be a Listerhill Credit Union member to apply. Subject to credit approval. Actual rate will be determined by the creditworthiness of the borrower. Additional terms may be available. Other restrictions may apply. See a member advocate for more details. APR = Annual Percentage Rate. Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
As Low As
No additional details available.
Rate accurate as of September 14, 2026
As Low As
As low as
Rate accurate as of September 14, 2026
As low as; Must be a Listerhill Credit Union member to apply. Subject to credit approval. Actual rate will be determined by the creditworthiness of the borrower. Additional terms may be available. Other restrictions may apply. See a member advocate for more details. APR = Annual Percentage Rate. Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
As low as
As low as; Must be a Listerhill Credit Union member to apply. Subject to credit approval. Actual rate will be determined by the creditworthiness of the borrower. Additional terms may be available. Other restrictions may apply. See a member advocate for more details. APR = Annual Percentage Rate. Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
Rate accurate as of September 14, 2026
No additional details available.
No additional details available.
No additional details available.
APR range: 12.35% - 18.00%
No additional details available.
Credit Rating: A+
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.
No additional details available.
Credit Rating: A
As Low As; Starting at
Credit Rating: B, C
Promotional rate available from September 1 to December 31, 2026. Limit one per member. Existing loans must be paid in full through refinance. Automatic payments and direct deposit into an IFCU checking account are required.
No additional details available.
As low as; APR*
$26,000; As Low As
As low as; Regular APR: 9.24%
As Low As
maximum $35,000
As Low As
The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Maximum Amount: 20% of Gross Income - Depends on Credit Score
No additional details available.
No additional details available.
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
No additional details available.
Unsecured/Signature Loans for $4,000 with an interest rate of 8.50% (8.50% APR) and a term of 48 months would have a monthly payment of $92.32.
No additional details available.
No additional details available.
As low as; Rates subject to change without notice.
As low as; APR*
No additional details available.
APR range up to 9.000%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Up to $5,000
As low as
No additional details available.
Term: term given upon credit union approval; Signature Loans
No additional details available.
No additional details available.
Maximum Rate: 13.99%
No additional details available.
APR* Up To: 18.00%
Loan Amount: UP TO $10,000.00
APR range up to 10.000%
No additional details available.
Effective 3/1/2026
Credit Score: 850-750
Based on annual income*
Credit Score: 850-750; $5,000+
No additional details available.
Term: One, two, three, or four year payback; Maximum three times monthly salary amounts in excess of $4000.00 must meet loan guidelines
No additional details available.
Credit Score: 749-700
As Low As; Max $50,000
Rates range from as low as 10.95% to 18%.
No additional details available.
As Low As; Max $50,000
As Low As; APR= Annual Percentage Rate
As low as; ($4,000.00 min $6,000.00 max)
Longer Terms Available.
As Low As
As low as 10.99% APR
APR range up to 11.000%
No additional details available.
Base Interest Rate
As Low As
Credit Score: 749-700; $5,000+
Term: 6 months up to 48 months; Rate is based on credit performance, loan term, and PFCU discounts.
Credit Score: 699-650
Variable
Base Interest Rate
Credit Score: 699-650; $5,000+
No additional details available.
As low as
New money only. NCUA insured.
As Low As; New money only. Eligibility required. NCUA insured.
As Low As
No additional details available.
As low as; Rates subject to change without notice and is based on creditworthiness.
No additional details available.
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.
No additional details available.
No additional details available.
As low as; Rate: 13.00%
As low as; Rate: 13.00%
As Low As
No additional details available.
APR range up to 14.000%
No additional details available.
As Low As
Loan Amount: UP TO $1,000.00
As Low As
UP TO $5000
Credit Score: 649-600
Credit Score: 599-500
APR* Starting At: 9.99%
Compare local White Bluff, TN personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Tennessee personal loan rates fell 0.141 points over the past 7 days to 10.882% APR.
Tennessee signature loan rates rose 0.317 points over the past 7 days to 11.859% APR.
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Tennessee figures.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
Estimated monthly payments at the current TN average personal loan APR of 10.88%, across the terms lenders serving White Bluff, Tennessee most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.77/mo | $163.41/mo | $128.94/mo | $108.42/mo |
| $10,000 | $465.53/mo | $326.83/mo | $257.88/mo | $216.84/mo |
| $15,000 | $698.30/mo | $490.24/mo | $386.82/mo | $325.25/mo |
| $25,000 | $1,163.83/mo | $817.07/mo | $644.71/mo | $542.09/mo |
| $35,000 | $1,629.36/mo | $1,143.90/mo | $902.59/mo | $758.93/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the TN personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (TN average) | 10.88% | $386.82 | $3,568 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,582 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,117 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,709 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
Most lenders serving White Bluff, Tennessee will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Credit unions consistently publish the lowest personal loan APRs in our Tennessee data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $387 monthly loan payment is roughly 10.8% of the median individual income in White Bluff, Tennessee. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in White Bluff, Tennessee.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current TN average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our White Bluff, Tennessee personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for White Bluff, Tennessee directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in White Bluff, Tennessee. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in TN.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.