Independent loan data
Know the real cost of borrowing before you sign.
Live benchmark rates, 91 calculators, and guides written without a sales agenda. We are not a lender or a broker — just the numbers, sourced and dated.
30-yr fixed mortgage
6.43%
Personal loan, 24-mo
11.57%
| Product | Rate | Recent change |
|---|---|---|
| 30-yr fixed | 6.43% | ▾ 0.06 pts |
| 15-yr fixed | 5.79% | ▾ 0.04 pts |
| HELOC avg | 7.90% | — no change |
| Auto 60-mo new | 6.82% | ▴ +0.03 pts |
| Personal 24-mo | 11.57% | ▾ 0.12 pts |
| Credit card APR | 21.52% | ▴ +0.09 pts |
Source: Federal Reserve / Freddie Mac via FRED (St. Louis Fed); HELOC via Bankrate weekly survey
Browse by loan type
Every kind of borrowing, one place
Personal loans Fixed-rate, unsecured. 11.57% avg APR. Mortgages 30-yr fixed at 6.43% this week. Auto loans New-car 60-mo averaging 6.82%. Student loans Federal, private, refinance & forgiveness. Debt consolidation Roll high-APR balances into one payment. Home equity & HELOC Borrow against your home at ~7.90%. Business loans SBA, term loans, working capital. Payday & cash advance Costs, risks, and safer alternatives.
Source: Freddie Mac Primary Mortgage Market Survey via FRED. Annual averages; latest weekly reading shown.
The Rate Sheet — Thursdays
Every benchmark that moved this week, in one email. No product pitches.