Personal Loan Rates Guide 2025

Personal loan rates in 2025 range from 8%–36% APR depending on credit score, income, and lender. Borrowers with excellent credit (750+) typically qualify for rates of 8%–12%. Those with fair credit (600–649) see rates of 20%–30%.

Key factors lenders evaluate: credit score, debt-to-income ratio (below 40% preferred), employment history, and loan amount. Banks and credit unions often offer lower rates than online lenders for existing customers.

• Excellent credit (750+): 8%–12% APR typical
• Good credit (700–749): 12%–18% APR typical
• Fair credit (600–699): 18%–30% APR typical
• Bad credit (below 600): 30%–36% or declined