UPDATED WEEKLY FROM OFFICIAL LENDER PAGESPersonal Loan Rates Tracker.
Personal Loan Rates Tracker.
Every Change, Dated.
Published APRs, fees, amounts and terms from 15 lenders, checked against each lender's own pages and recorded when they change.
Last checked Nov 3, 2026. Published ranges, not personalized offers.
What the numbers show
5.96%Lowest published starting APR (Happen Bank)
7.99%Middle starting APR across 15 lenders
35.99%Middle of the highest published APRs
5 of 15Lenders publishing no origination fee (Wells Fargo, Discover, Navy Federal, LightStream, Citi)
$100,000Largest published loan amount (Wells Fargo, SoFi, LightStream)
A starting APR is the best rate a lender publishes, usually for excellent credit and sometimes with autopay or other discounts. Your own rate can fall anywhere in a lender's range, so compare the whole range and the fee, not only the starting rate.
Published rates by lender
| Lender | APR range | Origination fee | Loan amount | Term | Change (30 days) | Checked |
|---|---|---|---|---|---|---|
 Happen BankView terms → | 5.96% – 35.99% | 0.00% – 8.00% | $1,000 – $75,000 | 24 months – 84 months | No change | Nov 2, 2026 |
 AchieveView terms → | 6.25% – 35.99% | 1.99% – 9.99% | $5,000 – $50,000 | 24 months – 60 months | No change | Nov 2, 2026 |
 Wells FargoView terms → | 6.74% – 26.74% | 0.00% | $3,000 – $100,000 | 12 months – 84 months | No change | Nov 2, 2026 |
 Best EggView terms → | 6.99% – 35.99% | 0.99% – 9.99% | $2,000 – $50,000 | 36 months – 60 months | No change | Nov 2, 2026 |
 DiscoverView terms → | 6.99% – 24.99% | 0.00% | $2,500 – $40,000 | 36 months – 84 months | No change | Nov 2, 2026 |
 SoFiView terms → | 6.99% – 35.49% | 0.00% – 7.00% | $5,000 – $100,000 | 24 months – 84 months | No change | Nov 3, 2026 |
 UpgradeView terms → | 7.74% – 35.99% | 1.85% – 9.99% | $1,000 – $50,000 | 24 months – 84 months | No change | Nov 2, 2026 |
 LendingPointView terms → | 7.99% – 35.99% | 0.00% – 10.00% | $1,000 – $36,500 | 24 months – 72 months | No change | Nov 2, 2026 |
 Navy FederalView terms → | 8.74% – 18.00% | 0.00% | $250 – $50,000 | Up to 60 months | No change | Nov 2, 2026 |
 Happy MoneyView terms → | 8.95% – 35.99% | 2.00% – 12.00% | $5,000 – $50,000 | 24 months – 84 months | No change | Nov 2, 2026 |
 ProsperView terms → | 8.99% – 35.99% | 1.00% – 9.99% | $2,000 – $50,000 | Up to 72 months | No change | Nov 2, 2026 |
 AvantView terms → | 9.95% – 35.99% | Up to 9.99% | $2,000 – $35,000 | 24 months – 60 months | No change | Nov 2, 2026 |
 LightStreamView terms → | 9.99% – 25.44% | 0.00% | $5,000 – $100,000 | 36 months – 84 months | No change | Nov 3, 2026 |
 CitiView terms → | 10.24% – 18.49% | 0.00% | $2,000 – $30,000 | 12 months – 60 months | No change | Nov 2, 2026 |
 OneMain FinancialView terms → | 11.99% – 35.99% | 1.00% – 10.00% | $1,500 – $35,000 | 24 months – 60 months | No change | Nov 2, 2026 |
- Happen Bank5.96% – 35.99%
- Achieve6.25% – 35.99%
- Wells Fargo6.74% – 26.74%
- Best Egg6.99% – 35.99%
- Discover6.99% – 24.99%
- SoFi6.99% – 35.49%
- Upgrade7.74% – 35.99%
- LendingPoint7.99% – 35.99%
- Navy Federal8.74% – 18.00%
- Happy Money8.95% – 35.99%
- Prosper8.99% – 35.99%
- Avant9.95% – 35.99%
- LightStream9.99% – 25.44%
- Citi10.24% – 18.49%
- OneMain Financial11.99% – 35.99%
Rate change log
No published rate changes recorded since tracking began on Nov 2, 2026. Each weekly check compares every lender's official page with the last verified value and records any change here.
How we track these rates
- Every figure comes from the lender's own official pages, saved with the exact quote and the date we checked it.
- Each lender is re-checked weekly. A changed value is recorded with the old and new figure; a large change is held for human review before it is published.
- A figure older than its expiry date is removed rather than shown out of date.
- These are published ranges, not offers. Your rate depends on your credit, income and the lender's review.