30-yr fixed 6.43% ▾ 0.06 wk
15-yr fixed 5.79% ▾ 0.04 wk
HELOC avg 7.90% — no change
Auto 60-mo new 6.82% ▴ +0.03 mo
Personal 24-mo 11.57% ▾ 0.12 qtr
Credit card APR 21.52% ▴ +0.09 qtr
as of Jul 2, 2026 · Federal Reserve / Freddie Mac via FRED (St. Louis Fed)
About

Independent data on borrowing — nothing to sell you

Loans Advisor publishes rate data, 90-plus calculators, and plain-English guides for people making borrowing decisions. We are a publisher, not a lender or a broker, and we take no application and issue no loan.

A working desk with printed rate sheets, pencil annotations, and a green ledger notebook

What we do

Every rate on this site is sourced and dated — mostly from the Federal Reserve, Freddie Mac, and named industry surveys — and refreshed on each series' own schedule. Our calculators run entirely in your browser, ask for no personal details, and pre-fill current benchmarks so your first result is realistic. Our guides explain how a loan actually works and what moves your rate, without steering you toward a product.

What we are not

We do not originate loans, take applications, or match you with lenders for a fee. When advertising appears on the site it is labeled as such, and it never changes a number or a recommendation. If you want the full picture of how the site stays free, read how we make money.

Who writes this

Daniel Reeves Consumer lending writer M. Okafor, CFP Reviewer · Certified Financial Planner

Our standards for accuracy, sourcing, and review are set out in the editorial policy, and the exact sources behind every rate live in our data methodology.