Best Personal Loan Rates for October 2025
Get prequalified for the best personal loan rate for you. Use our personal loans marketplace to get a loan for debt consolidation, major purchases and more.
Katie Lowery is a Loans and Home Lending teams, where she shapes content to help people navigate borrowing money, personal finance and overall financial health. She’s passionate about financial literacy and strives to help consumers make informed decisions with their money.
Before joining Bankrate, Katie edited personal finance content at LendingTree and CNN Underscored Money. She has spent more than a decade editing financial and economic content and was the sole editor of several award-winning books. When she’s not exploring the latest lending trends, Katie enjoys knitting, tending to her growing plant collection and traveling with her family. She currently lives outside Austin, Texas.
Borrowing money and managing debt can feel overwhelming, but if you have an understanding of the process and a clear goal in mind, your money can work for you. A great first step is to check your credit score and reports, then focus on improving your credit profile so you’re well positioned to borrow at an affordable rate.
Get prequalified for the best personal loan rate for you. Use our personal loans marketplace to get a loan for debt consolidation, major purchases and more.
A home equity loan lets you borrow against your home’s value. To find the best loan for you, compare loan rates with a few lenders before applying.
A home equity line of credit, or HELOC, is a second mortgage that uses your home as collateral to let you borrow up to a certain amount over time, rather than an upfront lump sum.
An excellent credit score comes with many perks, including access to some of the best personal loan APRs available. Explore Bankrate’s expert picks for the best personal loans for excellent credit.
If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
In 2025, rates remain high amid economic uncertainty.
Auto rates will likely not decrease this year. Consider how to still save.
Fed hikes means higher rates — but there are still ways to save.