MONTHLY REPORT · NOVEMBER 2026Personal Loan Rate Report.
Personal Loan Rate Report.
November 2026.
Published APRs, fees, amounts and terms from 17 US lenders, taken from each lender's own pages. Figures as of November 4, 2026; this report is final at month end.
Published ranges, not personalized offers. Your rate depends on your application.
Key findings
5.96%Lowest published starting APR (Happen Bank). Conditions: Lowest APR depends on credit and other factors; some terms and amounts vary by state and application channel
7.99%Middle starting APR across 17 lenders
35.99%Middle of the highest published APRs
5 of 17Lenders publishing no origination fee (Wells Fargo, Discover, Navy Federal, LightStream, Citi)
$100,000Largest published loan amount (Wells Fargo, SoFi, LightStream)
84 monthsLongest published term (Happen Bank, Wells Fargo, Discover, SoFi, Upgrade, Happy Money, LightStream)
The narrowest published APR range belongs to Citi (8.25 points); the widest to Happen Bank (30.03 points). A wide range means the rate you are offered depends heavily on your credit and the loan you choose, so the starting APR alone says little about what you will pay.
Changes this month
This is the first edition. Tracking began on November 2, 2026, so it sets the baseline; from the next edition, each report lists every published change recorded during its month, with the old and new figure.
Published terms by lender
| Lender | APR range | Lowest APR conditions | Origination fee | Loan amount | Term | Source |
|---|---|---|---|---|---|---|
 Happen BankView terms → | 5.96% – 35.99% | Lowest APR depends on credit and other factors; some terms and amounts vary by state and application channel | 0.00% – 8.00% | $1,000 – $75,000 | 24 months – 84 months | Official page ↗ |
 AchieveView terms → | 6.25% – 35.99% | The lowest rates can require up to three rate discounts | 1.99% – 9.99% | $5,000 – $50,000 | 24 months – 60 months | Official page ↗ |
 UpstartView terms → | 6.30% – 35.99% | Lowest rates only available to most qualified applicants; full range varies by state | Not published | $1,000 – $75,000 | 36 months – 60 months3 or 5 year terms | Official page ↗ |
 Wells FargoView terms → | 6.74% – 26.74% | At least $10,000, 3-year term, includes relationship discount of 0.25% | None | $3,000 – $100,000 | 12 months – 84 months12 to 36 months for loans of $3,000 to $4,999; 12 to 84 months for loans of $5,000 to $100,000 | Official page ↗ |
 Best EggView terms → | 6.99% – 35.99% | Lowest APR requires qualifying creditworthiness; amount, term and rate vary with underwriting | 0.99% – 9.99% | $2,000 – $50,000 | 36 months – 60 months | Official page ↗ |
 DiscoverView terms → | 6.99% – 24.99% | Lowest rates available to consumers with the best credit; based on creditworthiness at time of application for amounts $2,500-$40,000 and terms 36-84 months | None | $2,500 – $40,000 | 36 months – 84 months36, 48, 60, 72 and 84 months for all loan amounts | Official page ↗ |
 SoFiView terms → | 6.99% – 35.49% | The 6.99% to 35.49% APR range includes a 0.25% autopay discount and a 0.25% member rate discount | 0.00% – 7.00% | $5,000 – $100,000 | 24 months – 84 months | Official page ↗ |
 UpgradeView terms → | 7.74% – 35.99% | Lowest rates require Autopay and paying off a portion of existing debt directly | 1.85% – 9.99% | $1,000 – $50,000 | 24 months – 84 months | Official page ↗ |
 LendingPointView terms → | 7.99% – 35.99% | Not stated | Up to 10.00% | $1,000 – $36,500 | 24 months – 72 months | Official page ↗ |
 Rocket LoansView terms → | 7.99% – 29.99% | Lowest rate requires excellent credit, certain conditions, and autopay selected at closing | Up to 9.99% | $2,000 – $75,000 | 36 months – 60 months | Official page ↗ |
 Navy FederalView terms → | 8.74% – 18.00% | Not stated | None | $250 – $50,000 | Up to 60 months | Official page ↗ |
 Happy MoneyView terms → | 8.95% – 35.99% | The published APR range applies to loan amounts from $5,000 to $50,000, and the minimum rate for amounts above $15,000 is 11.09% APR | 2.00% – 12.00% | $5,000 – $50,000 | 24 months – 84 months | Official page ↗ |
 ProsperView terms → | 8.99% – 35.99% | Not stated | 1.00% – 9.99% | $2,000 – $50,000 | Up to 72 months | Official page ↗ |
 AvantView terms → | 9.95% – 35.99% | Not stated | Up to 9.99% | $2,000 – $35,000 | 24 months – 60 months | Official page ↗ |
 LightStreamView terms → | 9.99% – 25.44% | The 9.99% starting APR and 36 to 84 month terms are for a $10,000 credit card or debt consolidation loan with AutoPay; LightStream loan terms run 24 to 240 months depending on loan type, and the maximum APR for any LightStream loan is 25.44% | None | $5,000 – $100,000 | 36 months – 84 months | Official page ↗ |
 CitiView terms → | 10.24% – 18.49% | The lowest rate includes a 0.25% autopay discount | None | $2,000 – $30,000 | 12 months – 60 months | Official page ↗ |
 OneMain FinancialView terms → | 11.99% – 35.99% | Not stated | 1.00% – 10.00% | $1,500 – $35,000 | 24 months – 60 months | Official page ↗ |
- Happen Bank5.96% – 35.99%
- Achieve6.25% – 35.99%
- Upstart6.30% – 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%
- Rocket Loans7.99% – 29.99%
- 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%
How this report is built
- Every figure comes from the lender's own official pages, saved with the exact quote and the date it was checked; each lender is re-checked weekly.
- A starting APR is the best rate a lender publishes. It usually needs excellent credit and can require autopay, a relationship discount, a minimum loan size or a short term; where the lender states those conditions, we show them.
- The middle values are medians across the lenders listed. A lender with no published figure is left out of that figure, not counted as zero.
- Past reports are rebuilt from the dated record of each value, so they show what lenders published at the time.
- These are published ranges, not offers or recommendations. Lenders are listed by starting APR, not ranked by quality.
Cite this report
RateNavigate, “Personal Loan Rate Report: November 2026,” https://ratenavigate.com/personal-loan-rates/report/2026-11