Loans pricing compared
Compare active loans options by real price range, features, pros, cons and FairPrice score.
These comparisons use active FairPrice Guru records and published provider disclosures. Pricing and terms can change, so use the source and verification date on each detail page before making a decision.
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Loans benchmarks
- 30-Year Fixed Mortgage — National average · $7.10 APR % · The default mortgage in America. Fair APR band tracks Freddie Mac's weekly PMMS survey.
- 15-Year Fixed Mortgage — National average · $6.35 APR % · For buyers with income headroom — cuts total interest roughly in half vs a 30-year.
- FHA Loan — HUD-backed lenders · $7.25 APR % · The gateway loan for first-time buyers with limited down payment or thinner credit.
- New Auto Loan, 72-month — National average · $7.90 APR % · Long terms are a trap for most buyers. Under 60 months is the fair-play line.
- Personal Loan (Unsecured) — SoFi / LightStream / Marcus · $12.50 APR % · Great for consolidating credit card debt if your rate beats your card APR.
- Student Loan Refi — SoFi / Earnest / Splash · $6.25 APR % · Only refi federal loans if you're certain you won't need income-driven repayment or PSLF.
- HELOC — Home equity lenders · $8.75 APR % · Cheaper than a personal loan for homeowners, but understand the variable rate risk.