Personal Loans costs, by state and province

Typical costs for personal loans per loan amount. Credit score and loan term drive the interest rate. Open a market below for a local estimate.

Personal loans offer a lump sum of $1,000 to $50,000 with fixed monthly payments. Annual percentage rates (APRs) typically range from 6% to 36%, depending on credit score and lender. Fees such as origination charges (1%–8%) can add to the total cost.

What Drives the Price

Your credit score is the biggest factor: borrowers with excellent credit (720+) may see APRs as low as 6%, while those with fair credit (580–669) often pay 25%–36%. Loan term length also matters—longer terms lower monthly payments but increase total interest. Origination fees, prepayment penalties, and late fees vary by lender.

Repair vs Replacement

Personal loans are not typically repaired; instead, you can refinance or consolidate existing debt. Refinancing a $10,000 loan from 20% APR to 10% APR could save about $1,000 in interest over two years. Compare offers from multiple lenders to find the best rate before committing.

How to Compare Quotes

Request prequalified offers from at least three lenders to see APRs, fees, and monthly payments without affecting your credit. For a $15,000 loan over three years, a 7% APR yields a monthly payment near $463, while a 25% APR pushes it to $596. Always check the total cost, not just the monthly payment.

Typical Personal Loans prices
ItemTypical range
Typical Loan Amount$1,000 – $50,000
APR Range6% – 36%
Origination Fee1% – 8%
Common Term Length12 – 60 months

Every market for personal loans costs

383 markets have a page, each with a typical range where we have one and plain guidance on what moves the price.

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