Loan Rates &
Fees Guide.
Compare real APR ranges for every loan type before you apply. Rates shown by credit score — no surprises, no hidden costs.
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APR by Credit Score
*Monthly payment and total interest estimates are based on a $10,000 loan over 36 months at the starting APR for each credit tier.
Personal Loan
| Credit Score | APR Range | Monthly* | Total Interest* |
|---|---|---|---|
Excellent(750–850) | 5.99%–8.99% | $304 | $950 |
Good(700–749) | 8.99%–12.99% | $318 | $1446 |
Fair(650–699) | 12.99%–18.99% | $337 | $2128 |
Poor(580–649) | 18.99%–29.99% | $367 | $3194 |
Very Poor(300–579) | 29.99%–36% | $424 | $5281 |
Home Loan
| Credit Score | APR Range | Monthly* | Total Interest* |
|---|---|---|---|
Excellent(750–850) | 5.5%–6.5% | $302 | $871 |
Good(700–749) | 6.5%–7.5% | $306 | $1034 |
Fair(650–699) | 7.5%–8.5% | $311 | $1198 |
Poor(580–649) | 8.5%–10.5% | $316 | $1364 |
Very Poor(300–579) | 10.5%–13% | $325 | $1701 |
Auto Loan
| Credit Score | APR Range | Monthly* | Total Interest* |
|---|---|---|---|
Excellent(750–850) | 3.99%–5.99% | $295 | $627 |
Good(700–749) | 5.99%–8.99% | $304 | $950 |
Fair(650–699) | 8.99%–12.99% | $318 | $1446 |
Poor(580–649) | 12.99%–18.99% | $337 | $2128 |
Very Poor(300–579) | 18.99%–25.99% | $367 | $3194 |
Business Loan
| Credit Score | APR Range | Monthly* | Total Interest* |
|---|---|---|---|
Excellent(750–850) | 6.99%–9.99% | $309 | $1114 |
Good(700–749) | 9.99%–13.99% | $323 | $1614 |
Fair(650–699) | 13.99%–18.99% | $342 | $2302 |
Poor(580–649) | 18.99%–25.99% | $367 | $3194 |
Very Poor(300–579) | 25.99%–35.99% | $403 | $4503 |
Medical Loan
| Credit Score | APR Range | Monthly* | Total Interest* |
|---|---|---|---|
Excellent(750–850) | 6.99%–9.99% | $309 | $1114 |
Good(700–749) | 9.99%–13.99% | $323 | $1614 |
Fair(650–699) | 13.99%–18.99% | $342 | $2302 |
Poor(580–649) | 18.99%–24.99% | $367 | $3194 |
Very Poor(300–579) | 24.99%–34.99% | $398 | $4312 |
Debt Consolidation
| Credit Score | APR Range | Monthly* | Total Interest* |
|---|---|---|---|
Excellent(750–850) | 6.99%–9.99% | $309 | $1114 |
Good(700–749) | 9.99%–13.99% | $323 | $1614 |
Fair(650–699) | 13.99%–18.99% | $342 | $2302 |
Poor(580–649) | 18.99%–24.99% | $367 | $3194 |
Very Poor(300–579) | 24.99%–34.99% | $398 | $4312 |
How to Get a Lower Rate
Small changes in your financial profile can unlock meaningfully better APR tiers.
Improve Your Credit Score
Pay down existing debt and make on-time payments. Even a 20-point improvement can unlock a significantly lower APR tier.
Compare Multiple Lenders
PrimeLendings matches you with competing lenders so you can review multiple offers and choose the lowest rate available.
Add a Co-Borrower
Applying with a co-borrower who has a stronger credit profile can reduce your interest rate and boost approval odds.
Rate improvements are not guaranteed. Consult a financial advisor before making significant changes to your debt or credit profile.
Rate & Fee FAQ
Plain-English answers to the most common questions about loan rates, fees, and credit impact.
Related Services & Resources
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