Independent · Not a lender · APR under 36% only

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Personal loans · U.S.

Your credit score

Est. average APR27.38%
$10k · 36 mo payment$408.79

Based on the tier average. Your actual APR depends on income, debts, amount and term.

See fair-credit loan options

Averages from NerdWallet prequalification data, updated Nov 2, 2026. Estimates, not offers. Checking rates uses a soft credit inquiry.

Market snapshot

Personal loan rates today

Rates verified Nov 6, 2026

Bank avg, 24-mo loan

11.90%Federal Reserve G.19 · Aug 2026

Excellent credit avg

15.10%Score 720–850 · NerdWallet

Fair credit avg

27.38%Score 630–689 · NerdWallet

Our APR ceiling

< 36%No payday · no 60-day loans

Average APR by credit tier

% APR
Excellent (720+)
15.10%
Good (690–719)
19.49%
Fair (630–689)
27.38%
Bad (< 630)
44.02%
Under 36%: we list36% or higher: we don’t36% line

Source: NerdWallet prequalification data, Nov 2, 2026.

What $10,000 costs over 36 months

Fixed rate, equal monthly payments

APRMonthlyInterest
8.00%$313.36$1,281
15.00%$346.65$2,480
25.00%$397.60$4,314
35.99%$457.98$6,487
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How we evaluate lenders

Same criteria for every lender, paid or not.

Partners may affect where products appear. They never change our ratings or the facts we publish.

Read our methodology →
Cost
35%
Transparency
20%
Eligibility
15%
Flexibility
15%
Speed
10%
Support
5%