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)
Lenders

Lender profiles — the numbers and the catch

Independent, side-by-side profiles of 12 major U.S. lenders: rates, fees, loan amounts, who they approve, and where each one falls short. We take no referral fees — these are reviews, not recommendations to apply.

Classic American bank building facade with stone columns in soft overcast light
Online lenders

Online lenders

SoFi 4.5/5
Personal loans · Student loan refinancing · Mortgages San Francisco, CA · founded 2011
LightStream 4.4/5
Personal loans · Auto loans · Home improvement loans Atlanta, GA · founded 2013
Rocket Mortgage 4.1/5
Mortgages · Refinancing · Home equity Detroit, MI · founded 1985
Avant 3.6/5
Personal loans · Bad-credit loans Chicago, IL · founded 2012
Banks

Banks

USAA 4.2/5
Personal loans · Auto loans · Mortgages San Antonio, TX · founded 1922
Marcus by Goldman Sachs 4.1/5
Personal loans · Savings New York, NY · founded 2016
Discover 4.0/5
Personal loans · Student loans · Home equity Riverwoods, IL · founded 1985
Chase 3.9/5
Mortgages · Auto loans · Home equity New York, NY · founded 1799
Wells Fargo 3.8/5
Personal loans · Mortgages · Auto loans San Francisco, CA · founded 1852
Credit unions

Credit unions

Navy Federal Credit Union 4.3/5
Personal loans · Auto loans · Mortgages Vienna, VA · founded 1933
Marketplaces

Marketplaces

Upstart 3.9/5
Personal loans · Auto refinancing San Mateo, CA · founded 2012
LendingClub 3.7/5
Personal loans · Debt consolidation San Francisco, CA · founded 2007

Loans Advisor is not a lender, broker, or financial advisor. We publish independent rate data and educational content. Rates shown are national averages from the Federal Reserve (FRED), Freddie Mac, and named sources — your offers will differ. When advertising appears on this site, it is labeled, and it never changes our numbers.