Loans
Six ways to borrow, from a first home to a delivery van. Each loan shows the rate, the APR, every fee and how long it takes to fund.
Rates updated today at 9:00 AM ET
Home loan
Home purchase
Fixed and adjustable mortgages from 40+ lenders, with the full cost shown before you apply.
Rate from
6.12
%
APR from
6.24
%
21 days on average
Home loan
Refinance
Lower your rate, shorten your term or switch to fixed. We show the break-even month up front.
Rate from
5.94
%
APR from
6.05
%
18 days on average
Home loan
Home equity
Borrow against your home for renovations or big costs, and pay interest only on what you use.
Rate from
7.45
%
APR from
7.62
%
14 days on average
Personal
Personal loan
Fixed payments for debt consolidation, weddings or big purchases. Check your rate with a soft credit pull.
Rate from
8.99
%
APR from
9.49
%
2 business days
Business
Business loan
Working capital, equipment and expansion loans for businesses with 12 months or more of trading.
Rate from
9.25
%
APR from
9.80
%
7 business days
Vehicle
Auto loan
New and used car loans with fixed payments. Get pre-approved before you visit the dealer.
Rate from
5.49
%
APR from
5.69
%
1 business day
At a glance
Every loan on one page.
Rates, APR, terms, amounts, fees and time to fund, side by side. Updated every weekday morning.
Loan
Rate from
APR from
Term
Amount
Fees
Time to fund
Representative example: borrowing $20,000 over 5 years at 8.99% fixed (9.49% APR) costs $415 a month. Total amount payable $24,904, including $4,904 interest. Rates shown are for a borrower with a 740 credit score and can change daily.
Your rate
What moves your rate.
Lenders look at four things. Here is roughly what each one is worth on a 30 year fixed home loan.
01 · Credit score
760 or higher instead of 680
The biggest single factor. Six months of on-time card payments can lift you a band.
02 · Down payment
20% down instead of 5%
More equity means less risk for the lender, and no mortgage insurance to pay.
03 · Loan term
15 years instead of 30
A higher monthly payment, but you pay far less interest over the life of the loan.
04 · Rate points
One point paid at closing
Each point costs 1% of the loan up front and buys your rate down for good.
Examples only, based on average offers from our lender panel in September 2026. Your rate depends on your full credit profile.
Not sure yet
Not sure which loan fits?
Answer four quick questions and we will point you to the right loan. A soft check only, so your score stays the same.