According to Bankrate Monitor data, as of July 23, 2025, the average personal loan rate is 12.64 percent for customers with a 700 FICO score, $5,000 loan amount and three-year repayment term.

Read more from Maxwell Zeff at TechCrunchMaxwell Zeff is a senior reporter at TechCrunch specializing in AI. Previously with Gizmodo, Bloomberg, and MSNBC, Zeff has covered the rise of AI and the ...