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)
Consumer lending writer

Daniel Reeves

Daniel has covered personal loans, credit, and household debt for the better part of a decade, translating rate sheets and fine print into plain English.

Every figure on Loans Advisor is sourced and dated, and money content is reviewed for accuracy before it goes live. We are an independent publisher — not a lender or broker — so nothing here is written to sell you a product. Read how we work in our editorial policy and data methodology.

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