However, the average interest rate for a three-year personal loan is 13.72% APR and 19.21% APR for a five-year loan, according to Credible data from the week ending July 13, 2025.

However, the average interest rate for a three-year personal loan is 13.72% APR and 19.21% APR for a five-year loan, according to Credible data from the week ending July 13, 2025.

Next, enter your loan’s interest rate to determine your payment details. Most personal loan rates range between 7% and 36%, depending on your credit score. Review your payment details.