National Personal Loan Rate Trends
Track weekly average personal loan rates nationwide, compiled from 8,500+ U.S. banks and credit unions. Compare current averages, week-over-week changes, and state-by-state variations.
Current National Personal Loan Rate Trends
National Personal Loan rose 0.120 points this week to 11.077%, up from 10.957% last week.
Personal loan rates are determined primarily by borrower creditworthiness, income, and debt-to-income ratio — not collateral. As unsecured products, they carry higher APRs than secured loans (mortgages, auto loans) but are faster to obtain and more flexible in use. Credit unions consistently offer the most competitive personal loan rates in the market.
Debt consolidation loan rates track closely with general personal loan averages. The key variable is whether the consolidation rate is lower than the weighted average rate of the debts being consolidated — typically high-APR credit cards. For borrowers with 700+ credit scores, credit union consolidation loans often achieve this threshold.
The national personal loan rate averages on this page are calculated from our database of over 8,500 banks and credit unions actively reporting rates across all 50 states. Our proprietary systems collect and verify personal loan rates daily — tracking what real licensed institutions are actually quoting, not published rate sheet estimates.
National Personal Loan Rate Trends
Daily average rates since March 15, 2026. Hover over the chart to see exact rates for each day.
As of Mar 26, 2026 • Weekly averages from 8,500+ U.S. banks & credit unions
State-by-State Personal Loan Rate Comparison
Current average Personal Loan APR by state, compared to the national average of 11.077%.
