PrimeRates provides access to personalized loan offers through our simple and quick pre-qualification application. Once you’re pre-qualified, you can select the best offer for you and finalize the loan application with the lender.
Simple pre-qual application in less than 1 minute.
Choose the offer that best fits your needs.
Finalize your loan offer, get approved, and receive funds in at little as one business day.
Compare the best unsecured personal loans of 2026 from SoFi, LightStream, Upgrade, LendingClub, Best Egg, Upstart, Discover, and Prosper. APRs starting at 6.20%, with the national average at 12.27% (Bankrate, April 2026).
APY and APR measure interest, but they are not the same number and they are not used for the same products. APY — Annual Percentage
A mortgage rate lock guarantees the interest rate on your mortgage for a set window — typically 30, 45, or 60 days — between approval
A basis point — abbreviated “bp” or “bps” and pronounced “bip” or “beep” — is one-hundredth of a percentage point. One basis point equals 0.01%,
SOFR — the Secured Overnight Financing Rate — is the benchmark interest rate used to price more than $200 trillion of U.S. financial contracts, from
A yield curve inversion happens when short-term U.S. Treasury bonds pay higher interest than long-term Treasury bonds — the opposite of normal. The most-watched version
Whether you’re just starting out with no credit, bad credit, rebuilding credit, have fair credit, or looking for the card that earns better rewards, finding the right card can be a challenge. We’ve partnered with leading card issuers to make it easy to compare credit card rates and benefits all in one place such as Visa and Mastercard. And we do our best to keep our information accurate and up to date.
Comparing rates and fees on loans and credit cards can be frustrating. How can you be sure you’ll get the rate, payments, or terms are shown? PrimeRates is changing that. We’ll help you prequalify with our lender partners, ensuring that the rates you see are the rates you’re more likely to get.