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Personal Loans for Debt: What Rates to Expect
Personal Loans for Debt: What Rates to Expect
I’ve used personal loans twice to knock out credit card debt — and both times, it saved me serious money. But rates in 2025 aren’t what they were three years ago. Here’s the real breakdown of what to expect, where to look, and how to make sure you don’t overpay.
1. 2025 Personal Loan Rate Ranges
According to NerdWallet, personal loan APRs range from 6% to 36%. The exact rate depends on your credit score, income, debt-to-income ratio, and the lender.
2. Top Lenders to Watch
- SoFi: 8.99%–29.99% APR, up to $100K (Forbes)
- LightStream: 6.49%–25.29% APR (Bankrate)
- Upgrade: 7.99%–35.99% APR (Investopedia)
3. What Impacts Your Rate?
- Credit score: Higher = lower rates
- Loan term: Shorter terms usually mean lower interest
- Debt-to-income ratio: Key qualifier for lenders
4. Smart Borrowing Tips
- Prequalify without hurting your credit
- Watch for origination or prepayment fees
- Use comparison tools from Bankrate, NerdWallet, or LendingTree
5. Real-Life Example
In 2023, I refinanced $12,000 of credit card debt at 24% interest with a personal loan at 10.5%. It saved me over $1,900 in interest in 18 months. The key? Comparing at least 4 lenders before choosing.
6. Final Thoughts
Personal loans can be a smart move for debt — if you use them right. Rates are competitive in 2025, but the wrong lender could cost you. Always compare and read the fine print.
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Labels: personal loan for debt, best personal loan rates 2025, consolidate debt, low interest loan, loan comparison
Search Description: Learn what interest rate you can expect from a personal loan in 2025. Find trusted lenders and see how to lower your debt faster.
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