This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. level 2 Chief among these are: Your credit score will be one of the largest factors in determining whether you can qualify for a personal loan. Longer terms and higher loan amounts will typically translate to higher APRs. A longer loan can also cost you quite a bit more money overall. The average monthly car payment on a new vehicle in 2018 was a hefty $545, and the average car loan had an average length of 69 monthsâthatâs over five and a half years. Try this calculator to see if it’s right for you. To get a ballpark figure, you can use an average APR based on your credit score from the table above. Here are the average numbers in the car-financing market in the third quarter of 2018. For more information please see our Advertiser Disclosure. Amazing Loans\u003C\/a\u003E\u003C\/span\u003E","19.9% - 29.9%"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Navy Federal Credit Union Personal Loans Review\" href=\"https:\/\/www.valuepenguin.com\/personal-loans\/navy-federal-credit-union-personal-loan-review\"\u003ENavy Federal Credit Union\u003C\/a\u003E\u003C\/span\u003E","8.19% - 18.00%"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"OneMain Financial Personal Loans Review\" href=\"https:\/\/www.valuepenguin.com\/personal-loans\/springleaf-onemain-financial-personal-loan-review\"\u003EOneMain Financial\u003C\/a\u003E\u003C\/span\u003E","18.00% - 35.99%"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Payoff Personal Loans Review\" href=\"https:\/\/www.valuepenguin.com\/personal-loans\/payoff-personal-loan-review\"\u003EPayoff\u003C\/a\u003E\u003C\/span\u003E","5.99% - 24.99%"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Peerform Personal Loans Review\" href=\"https:\/\/www.valuepenguin.com\/personal-loans\/peerform-personal-loan-review\"\u003EPeerform\u003C\/a\u003E\u003C\/span\u003E","5.99% - 29.99%"],["PersonalLoans.com","5.99% - 35.99%"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"PNC Bank Personal Loans Review\" href=\"https:\/\/www.valuepenguin.com\/personal-loans\/pnc-bank-personal-loan-review\"\u003EPNC Bank\u003C\/a\u003E\u003C\/span\u003E","5.99% - 25.49% with AutoPay"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Prosper Personal Loans Review\" href=\"https:\/\/www.valuepenguin.com\/personal-loans\/prosper-personal-loan-review\"\u003EProsper\u003C\/a\u003E\u003C\/span\u003E","7.95% - 35.99%"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Regions Bank Personal Loans Review\" href=\"https:\/\/www.valuepenguin.com\/personal-loans\/regions-bank-personal-loan-review\"\u003ERegions Bank\u003C\/a\u003E\u003C\/span\u003E","7.50% - 18.83% with AutoPay"],["RocketLoans","7.161% - 29.99%"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Santander Bank Personal Loans Review\" href=\"https:\/\/www.valuepenguin.com\/personal-loans\/santander-bank-personal-loan-review\"\u003ESantander Bank\u003C\/a\u003E\u003C\/span\u003E","6.99% - 16.99% with ePay"],["Self Lender","10.58% - 14.77%"],["SoFi","5.99% - 20.69% with AutoPay"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"TD Bank Personal Loans Review\" href=\"https:\/\/www.valuepenguin.com\/personal-loans\/td-bank-personal-loan-review\"\u003ETD Bank\u003C\/a\u003E\u003C\/span\u003E","6.99% - 18.99% with AutoPay"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Upgrade Personal Loans Review\" href=\"https:\/\/www.valuepenguin.com\/personal-loans\/upgrade-personal-loan-review\"\u003EUpgrade\u003C\/a\u003E\u003C\/span\u003E","6.94% - 35.97%"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Upstart Personal Loans Review\" href=\"https:\/\/www.valuepenguin.com\/personal-loans\/upstart-personal-loan-review\"\u003EUpstart\u003C\/a\u003E\u003C\/span\u003E","7.86% - 35.99%"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Wells Fargo Personal Loans Review\" href=\"https:\/\/www.valuepenguin.com\/personal-loans\/wells-fargo-personal-loan-review\"\u003EWells Fargo\u003C\/a\u003E\u003C\/span\u003E","5.49% - 22.99%"]],"footnote":"","hasMarginBottom":true,"isExpandable":false,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}, Best Personal Loans for Debt Consolidation, How to Get a Personal Loan with a Cosigner, 10.00% - 30.00% (0% APR offered at select retailers), 7.99% - 17.99% with discounts (rate may be higher), the number of negative marks in recent years, the number of credit inquiries you’ve had in the past year.