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)
Loan types

Every kind of borrowing, in one place

Start with the type of loan you need. Each guide carries today's rate, how the product actually works, and a calculator to see the real cost before you apply — with no sales agenda.

Everyday borrowing

Personal loans Fixed-rate, unsecured — 11.57% avg APR. Debt consolidation Roll high-APR balances into one payment. Installment loans Borrow a set amount, repay in fixed steps. Emergency & same-day loans Fast cash, and the cheaper ways to get it.

Secured by an asset

Mortgages 30-yr fixed at 6.43% this week. Auto loans New-car 60-mo averaging 6.82%. Home equity & HELOC Borrow against your home at ~7.90%. Secured loans Lower rates in exchange for collateral.

Education & business

Student loans Federal vs private, and forgiveness. Business loans SBA, term loans, working capital.

Credit-challenged borrowing

Bad-credit loans What is realistic below a 630 score. Unsecured loans No collateral — priced on your profile. Payday loans The real cost, and cheaper alternatives. Title loans Borrowing against your car — read first. Home improvement loans Financing renovations, compared.