Personal loan rates

[Sbrooks1]

What can you expect with excellent > 800 on all for an unsecured personal loan in todays market. What would you guys say is a good rate in this day and time. Thanks in advance!!

[Sleekride]

Expect 8 + % minimum. 

[CreditCuriosity]

Rates are probably around 8-10% depending on term and obviously whom you use and purpose of loan and amount of loan etc.  Lightstream use to have the lowest rates back when I had one with excellent credit not still sure if that is case or not

[Kforce]

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@CreditCuriosity wrote:

Rates are probably around 8-10% depending on term and obviously whom you use and purpose of loan and amount of loan etc.  Lightstream use to have the lowest rates back when I had one with excellent credit not still sure if that is case or not

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^^^^ This

Average from three of my CU's.

Used ( $30,000 Loan, Other - Reason, 830 - Ficos, $150,000 Income )

Numbers will depend on your real answers to the loan questions, profile, income, etc

12 -- 36 months = 9.39

36 -- 48 months  = 9.99

60 -- 72 months  = 10.24 

[fury1995]

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@Sbrooks1 wrote:

What can you expect with excellent > 800 on all for an unsecured personal loan in todays market. What would you guys say is a good rate in this day and time. Thanks in advance!!

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You could also check with Amex Personal Loans

I've been offered up to $40K @ 6.98% for up to 48 months.

[pinkandgrey]

Agreed. Probably around 10%. 

Check Marcus and Discover. I've had both and they gave decent rates and made the whole process absurdly easy. 

[Sbrooks1]

Went with Pen Fed, best rate for my loan terms for 60 months @ 10.2. Miss the days of 8 % personal loans but overall a really easy process. It is my 2nd personal loan with them, other paid off, but both times painless. Did realize I needed to cut some cards because I cant be trusted, so closed over 130000 in credit limit after paying off 40000 balance. Only kept PF and care credit for dog emergencies. No more mangaing multiple cards for me. 

[MeredithLepore]

10.2% is a good rate in today's market, so kudos. Closing those cards will certainly make it easier to manage CCs moving forward!