Where rates stand.
One page per lending vertical carries the numbers, and this page is the map to them. Published ranges live on our ranking pages, where every live offer is laid out with the same facts and refreshed together, so a figure is never quoted without its date and its company.
A word before the map: nothing on a ranking page is a quote. Published ranges tell you the neighborhood a product lives in, and that is all they are for. The rate you can actually get always comes from the lender or provider that reviews your file, and it depends on your state and your credit profile, not on anything we print. Pick the vertical below that matches what you are borrowing for.
Mortgage rates
Mortgage pricing starts from a market baseline no lender controls and then adjusts to your file, which is why a quoted rate only means something next to its date and its assumptions. The mortgages rankings hold this month’s live offers with their published ranges side by side, and the mortgages hub explains how to read them the way an underwriter would.
Personal loan rates
No vertical prices the borrower more than the product: two people taking the same loan can be offered very different terms, so a published range is wider here than anywhere else. The personal loans rankings list the live offers and their ranges, and when you want a number that belongs to you rather than to a range, you can check your rate without obligation.
Credit card rates
A card’s price is a bundle rather than a single number: purchase APR, introductory offers and fees all move together, and the cheapest card for one wallet is the priciest for another. The credit cards rankings put the published ranges side by side, and the credit cards hub covers how to weigh the bundle against the way you actually pay.
Debt consolidation rates
Consolidation earns its keep only when the new rate undercuts the blended cost of the balances it replaces, so the comparison here is against your own statements as much as against other offers. The debt consolidation rankings show the published ranges for the live offers, and the debt consolidation hub walks through the arithmetic of whether a swap is worth it.
Short-term loan rates
Short-term borrowing is priced in fees and days rather than in annual terms, which makes headline comparisons misleading and published cost ranges all the more important. The short-term loans rankings carry those ranges for the live offers, and the short-term loans hub covers when this kind of product fits and when a cheaper route exists.