Personal Loan Rates Show Stability in Early 2026
Bankrate data shows average personal loan rates at 12.19% as of Jan. 14, 2026, with LightStream offering the lowest rate at 6.24%. Rates vary by lender type and borrower credit.
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Bankrate data shows average personal loan rates at 12.19% as of Jan. 14, 2026, with LightStream offering the lowest rate at 6.24%. Rates vary by lender type and borrower credit.
HELOC rates dropped sharply to 7.44%, a three-year low, after a major lender resumed promotions. Analyst Ted Rossman notes a volatile two-week period and a general falling-rate environment.