Honest rates. No fine print.
Offers from our lending partners feature fixed APRs for the life of the loan, with no origination, prepayment, or late fees on qualifying products.
Personal loan APR by credit score
Your personal loan APR depends primarily on your FICO score, loan amount, and term length. Borrowers with excellent credit (780+) typically qualify for our lending partners' lowest fixed rates starting at 6.99% APR, while borrowers building credit (580–619) can still receive offers up to 24.99% APR. Rates below reflect the range available across our lending partner network — every offer is fixed for the life of the loan.
| Credit profile | Fixed APR range | Notes |
|---|---|---|
| Excellent (780+) | 6.99% – 9.99% | Our lowest rates |
| Very good (720–779) | 9.99% – 13.49% | — |
| Good (680–719) | 13.49% – 17.99% | — |
| Fair (620–679) | 17.99% – 22.99% | — |
| Building (580–619) | 22.99% – 24.99% | Subject to additional review |
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Pre-qualification uses a soft credit pull only.
APRs shown include all applicable discounts. Actual rate depends on credit profile, loan amount, term, and state of residence. All loans are subject to credit approval by the lender. The Lending Group is not a lender; loan offers are provided by our network of lenders and lending partners.
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The Lending Group is an online lending marketplace, not a lender.