US Personal Loan Rates-CrediVita

US Personal Loan Rates Origin: APR 7%-35.99%

APR 7.00%-35.99% | $1,000-$75,000 | 24-84 months
Based on FICO: Excellent (740+) from 7%, Subprime (<580) up to 35.99%.
SoFi, Upstart, LendingClub, Upgrade, LightStream, Wells Fargo.

Apply Online

Previous Next

Product Details

Rates by FICO Credit Score

Credit Level	FICO Range	APR	Origination Fee
Excellent	740-850	7.00%-14.00%	0-3%
Good	670-739	10.00%-20.00%	1-5%
Fair	620-669	16.00%-26.00%	4-7%
Poor	580-619	22.00%-32.00%	5-10%
Subprime	<580	28.00%-35.99%	7-12%

Loan Amount: $1,000 - $75,000 | Term: 24-84 months
APR = annualized rate including interest + origination fee. Online platforms max APR: 35.99%.

How to Apply — 3 Simple Steps

01Initial Preparation & Product Selection

Review your financial needs and compare loan options. Always evaluate based on APR (Annual Percentage Rate), which is the legally recognized standard for measuring the true cost of borrowing, including all fees and charges.

02Application Submission & Credit Review

Submit your application online. Lenders will review your credit profile, income, and debt-to-income ratio. Pre-qualification is available with most lenders using a soft credit pull that does not affect your credit score.

03E-Signature & Loan Funding

Once approved, review and sign your loan agreement electronically. Funds are typically deposited within 1-7 business days. Ensure monthly payments fit comfortably within your budget before signing.

Note: All rates and fees shown are estimates. Exact terms will be defined in the official loan agreement issued by your lender. Always request full APR disclosure before signing to avoid hidden costs.

Major Platform Rates

Platform	APR	Min FICO	Origination Fee
SoFi	6.99%-29.99%	660-680	0%
Upstart (AI Lending)	7.80%-35.99%	580	0-12%
Upgrade	8.49%-35.99%	580	1.85-9.99%
LendingClub	5.96%-35.99%	600	0-8%
LightStream (Truist)	6.99%-25.49%	660	0%
Wells Fargo	8.49%-24.49%	660	0-3%

Other Loan Types

Type	APR	Notes
Credit Union	5%-12%	Best rates for qualifying members
Payday Loan	100%-500%+	Short-term, state regulations vary

Key Business Points

No federal rate cap; regulated by state usury laws. Bank partnership model can use bank charter state rates.
TILA requires full APR disclosure. Displaying interest only without APR is a violation.
Key rate factors: FICO score, DTI ratio, loan term, borrower state.
Pre-approval soft inquiry does not affect credit score; hard inquiry temporarily lowers FICO.
Origination fees deducted from disbursed amount increase effective borrowing cost.

Related Products

US Bad Credit Loan Rates
Subprime loans by FICO. Platforms, secured, title, tribal, auto, PAL
US Payday & EWA Loans
Payday APR 300%-800%, EWA, installment payday, credit union PAL
US Credit Card Rates
Credit card APR by FICO. Purchase, BT, cash advance, penalty rates
US Business Loan Rates
Business loans: bank, SBA, fintech, credit lines, equipment, MCA
US Mortgage Rates
US mortgage rates: conventional, FHA, VA, Jumbo, ARM