Consumer credit rate desk, US
Every rate on this desk carries a date.
Credit cards, personal loans, refinancing, scores and repair — compared on issuer data, with the day each figure was checked.
The brief
What this desk is for
What the desk works to: the scale, the questions readers keep asking, and the clock on every number.
300–850
The range most US credit scores are quoted on — the band sets which rates and cards open up.- Credit pricing moves fast, so every rate, fee and band on this site is published with the date it was checked.
Reader questions
Asked again and again
What is a good credit score?
Which credit card fits my situation?
How does refinancing a loan work?
What APR should I accept?
Sections
The desk, section by section
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Start Here
Four steps from your score to a decision: check the number, compare APR, run the cost, pick the lane.
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About
What RateDial covers: US consumer credit — cards, loans, refinancing, scores, repair — and how its numbers are dated.
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Search
Search RateDial for a rate, a term, a card.
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Credit Score
Score bands, free checks and the reasons a score moves — quoted as of the date each figure was checked.
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Credit Cards
Card types, APRs and the terms behind the headline rate — secured, low-APR and rewards cards, dated.
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Personal Loans
Installment loans by lender and credit band — APR, fees and total cost, dated as of check.
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1 article
Refinancing
Replacing a credit card or loan on better terms — when the new rate beats the old, by the numbers.
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Credit Repair
Disputes, freezes and the realistic timeline for a report to clean up — dated, not promised.
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1 article
Calculators
Payment, APR and overpayment calculators — the site's own worked answers, with the guides behind them.
Latest
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Personal Loan Refinance: The Break-Even Month From Fee and Rate
A $30,000 loan at 15.99% refinanced at the 12.36% index: fee $622.48, break-even month 41 on the same term, and the 0.75-point trap that costs $4,437.67.
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What APR Should I Accept? The Benchmark Table by Product and Band