APR vs Interest Rate
APR (Annual Percentage Rate) includes the interest rate plus fees, giving you the true cost of borrowing. A loan with a 5.5% interest rate but high origination fees might have a 6.2% APR. Always compare APRs, not just interest rates.
What Is a Good Rate by Loan Type?
Mortgages: Excellent credit (740+) can qualify for rates near 6-7% on a 30-year fixed in 2026. Auto loans: 5-7% for good credit, 10%+ for fair credit. Personal loans: 7-12% for good credit, 20%+ for poor credit. Credit cards: 18-30% — always pay these off first.
Compare real loan offers
Enter multiple loan offers and see the total cost difference side by side.