Industry's Best APR Rates - LoanKey

The national average personal loan APR in April 2026 is 12.04%, according to Bankrate data collected on April 8, 2026.

Industry's Best APR Rates - LoanKey

The national average personal loan APR in April 2026 is 12.04%, according to Bankrate data collected on April 8, 2026. But the best-qualified borrowers are locking in rates as low as 5.99% right now. The gap between a 5.99% and a 12.04% APR on a $20,000 loan over 5 years is more than $3,600 in extra interest. This page shows the current lowest APRs available, which lenders offer them, and the minimum credit score you need to access each tier. April 2026 Rate Update: The Federal Reserve's next scheduled meeting is April 28-29. Rates may shift in the weeks after. Lock in your offer now to protect your APR before any market adjustment. Lowest Personal Loan APRs — April 2026 Lender Starting APR Max APR Loan Range Min. Credit Origination Fee Rating Best Egg 5.99% 35.99% $2,000 – $50,000 640 0.99% – 8.99% Best Secured LightStream 6.49%* 25.49% $5,000 – $100,000 695 None Best Unsecured Discover 7.99% 24.99% $2,500 – $40,000 660 None Lowest Max APR PenFed CU 7.99% 17.99% $600 – $50,000 650 None Best Credit Union SoFi 8.99% 29.9…

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