🏠Mortgage Loan Rates
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🚗Auto Loan Rates
💳Personal Loan Rates
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🎓Student Loan Rates
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🏢Business Loan Rates
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Rate Factors
How Your Credit Score Affects Your Rate
Approximate rates by credit tier — March 2026. Your actual rate depends on lender, loan amount, and other factors.
Credit ScoreTier30-yr MortgageAuto LoanPersonal LoanCredit Card
760+Excellent6.11%6.93%~7%~17%
720–759Very Good6.33%7.80%~10%~19%
680–719Good6.55%9.50%~14%~22%
640–679Fair7.03%13.50%~20%~25%
580–639Poor7.50%+18%+~28%~29%
Sources: Freddie Mac, Experian, Bankrate. Mortgage rates assume conforming loan, 20% down. Auto rates from Experian State of the Automotive Finance Market Q4 2025.
Where to Borrow
Lender Types Compared
Lender TypeSpeedRatesBest ForMin. Credit
Big BanksDays–weeksCompetitiveExisting customers680+
Credit Unions ★DaysOften lowestMembers, all loan types620+
Online Lenders1–3 daysVaries widelyPersonal, auto refi560+
Mortgage BrokersWeeksShops multipleMortgage, complex cases580+
SBA LendersWeeksBest biz ratesSmall business650+
Dealership FinanceSame dayOften higherConvenience only500+
Rate Tips
How to Get the Lowest Rate
01
Check your credit score first
Your credit score is the single biggest rate factor. Check free at AnnualCreditReport.com. Dispute errors before applying — a 20-point boost can cut your rate by 0.5–1%.
02
Shop at least 3 lenders
Rate shopping within a 14–45 day window counts as one credit inquiry. Get quotes from your bank, a credit union, and an online lender. Differences of 0.5–1% are common on the same loan.
03
Get pre-approved, not just pre-qualified
Pre-approval requires a hard credit pull and gives you a real rate. Pre-qualification is an estimate. Only compare pre-approval offers — pre-qualification rates are not guaranteed.
04
Consider points vs rate tradeoff
Paying discount points lowers your rate permanently. 1 point = 1% of loan = ~0.25% rate reduction. Use our mortgage points calculator to find the break-even date.
05
Reduce your DTI before applying
Debt-to-income ratio under 36% gets the best rates. Pay down credit cards before applying — utilization drops fast and your score improves within 30–60 days.
06
Choose the right loan term
Shorter terms always carry lower rates. A 15-year mortgage is typically 0.5–0.75% lower than a 30-year. If you can afford the higher payment, the rate and total interest savings are significant.
Data Sources — March 2026
Freddie Mac PMMS Weekly mortgage rate surveyFederal Reserve H.15 Prime rate & benchmark ratesExperian — Auto Finance Auto loan rates by credit tierBankrate Rate Survey Daily lender rate monitoringDept. of Education Federal student loan ratesCredible Rate Report Student loan refi rates
Rates shown are averages and benchmarks for informational purposes. Your actual rate will vary based on creditworthiness, loan amount, term, lender, and market conditions at time of application. Always get official quotes from lenders before making financial decisions.