https://ratedial.net/tags/apr/ Recent content in Apr on RateDial — Consumer Credit Rates, Dated Hugo en Sat, 07 Nov 2026 13:06:13 +0000 https://ratedial.net/calculators/what-apr-should-i-accept/ Sat, 07 Nov 2026 00:00:00 +0000 https://ratedial.net/calculators/what-apr-should-i-accept/ <h1 id="what-apr-should-i-accept-the-benchmark-table-by-product-and-band">What APR Should I Accept? The Benchmark Table by Product and Band</h1> <p>The number first. On 2026-11-04 the Bankrate Monitor printed <strong>12.36% APR</strong> as the average three-year personal loan rate for a borrower with a 700 FICO score and a $5,000 loan<sup id="fnref:1"><a href="#fn:1" class="footnote-ref" role="doc-noteref">1</a></sup>, and <strong>19.71%</strong> as the national average credit card rate<sup id="fnref:2"><a href="#fn:2" class="footnote-ref" role="doc-noteref">2</a></sup>. For your band, the fair APR is the one that sits at or under the printed benchmark for your product, in your score band, on a date you can point to. Anything above it is not &ldquo;the market&rdquo; — it is a gap, and the gap has a price. A 16.99% offer on a $20,000, 60-month loan against the 12.36% benchmark is 4.63 points, $2,904.49 in lifetime interest and $48.41 a month<sup id="fnref1:1"><a href="#fn:1" class="footnote-ref" role="doc-noteref">1</a></sup>. Dated, or it&rsquo;s a guess.</p>