Get Personal Loans at as low as 4.99% Interest Rates

Apply for the Best Personal Loans at the APRs as low as 4.99% from direct lenders.

Loan Application Form

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms of Use,I understand that by submitting my information, I may be contacted by telephone by one lender.

Applying doesn't affect your credit score!

Low Interest Personal Loans

For an online Personal loan, you are likely to be charged 4.99% - 36% APR on average. The rate depends on the lenders first of all, and then on your credit score, income, loan amount, debt ratios, etc. Always shop around and compare the offers to find low-interest Personal Loans best suitable for your needs and financial situation.

What are personal loan low interest rates?

Today, most lenders charge 5-36% interest rates for $5,000 - $35,000 Personal loans. The average APR is 11.88%.

The higher your credit score is, the lower interest rate personal loans you can get.  

Are personal loan interest rates affected by credit score?

Yes, your credit score can affect the rates charged for your Personal Loan. Credit score shows whether you are a responsible or risky as a borrower. The higher it is, the better rates you are charged because the lender takes less risk that you can default the loan.

Check the table below for average interest rates you can expect for online Payday Loans with different credit scores from bad to excellent.




Excellent Credit



Good Credit



Average Credit



Bad Credit











How to choose the best low-interest Personal Loans?

  • Check your rates at various Personal Loan lenders’ websites. It’s fast and free and will let you understand what loan cost you are to expect.
  • Pay attention to interest rates the lender charges. Choose those companies that offer low rate Personal Loans. However, you should remember, that it’s just advertised, but not guaranteed.
  • Comparing Personal Loan interest rates, also take into account additional fees or penalties such as origination fees, application fees, NSF fees, etc that can significantly add to the overall cost of your Personal loan.

What you need to know about personal loan interest rates

What is APR?

APR, or Annual Percentage Rate is the interest borrowers pay on top of their loan principal. APR includes interest rate and any other loan fees.

What's a repayment term?

A repayment term indicates the period of time devoted to loan repayment. Speaking about Personal Loans, it’s 1 – 7 years on average.

Personal Loans with fixed and variable interest

Personal Loans with fixed interest rates have the same interest over the life of the loan, while those with variable rates can get the interest rise or fall depending on any economic changes.

It’s up to you to apply for a Personal Loan with a stable fixed-rate, or choose a variable rate and get the opportunity to save some money on interest.

What is a good interest rate on a personal loan?

The notion of a "good" interest rate on a personal loan may vary for every borrower. But in most cases it will depend on your credit score. You should face the truth and consider your FICO rating before evaluating the rates you can qualify for.

If you have bad credit, you’ll unlikely get low-interest Personal Loans. Though you can look for no credit check Personal Loans, or Personal Loans for bad credit. You’ll sooner get approved but still interest rates may be not as low as you would like to.

Are low-interest personal loans worth it?

Low-interest personal loans are a good choice if you need up to $35,000 instant cash with predictable monthly payments. Personal loans offer lower interest rates than credit cards or lines of credit, and most personal loans go with a fixed rate.

Check your rates, pre-qualify online, use a Personal Loan Calculator, and decide if low-interest Personal Loans are what you need now to solve your financial difficulties.


Looking for a specific loan amount?

Choosing to use your vehicle as collateral allows you to get instant bad credit cash with Car Title Loans.