National average interest rates for credit cards and loans.

  Bad credit personal loan, no credit check unsecured credit card.

View national average interest rates for credit cards, mortgages and auto loans. Your interest rate may vary, depending upon whether you have good, no credit or bad credit.

 

Credit Card Interest Rates by Issuers (American Express, Chase, Citi, Discover, MasterCard, Visa and Others).

 

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Good or bad credit home loan quotes

 

 

Good or bad credit auto loan quotes
Mortgage Refinancing Advice
Even if you're happy with your current loan, there are times when you may want to consider mortgage refinancing, such as when interest rates fall or when your credit score improves entitling you to a lower interest rate that you're currently paying.
Short Term Loan Rates
The Federal Reserve Board has lowered short term interest rates, but home buyers and corporations are paying more to borrow. Read why mortgage loan rates are not as low.
Credit Card FAQs
Common questions turned into credit card facts. Apply for a good or bad credit card. Choosing between the best credit card offers can be hard. Consider a no interest 0 intro balance balance transfer, a pre-pay ATM or a pre-paid debit secured credit card, or unsecured credit card benefits that offer travel, miles, discount and vacation rewards. Pick between American Express, Chase, Discover, MasterCard and Visa, even if you need a joint consumer or business credit card.
Credit Card Report Scores
TransUnion offers a new credit card company service that scores member payment habits. Apply for a lower interest credit card or for help with credit card debt.
Biggest Debt Mistakes
Are you making the biggest debt mistakes? Avoid common errors so you can reduce bills, increase your profit margin and payoff high interest burdens like credit card debt without having to negotiate a settlement or get credit counseling.
MasterCard Roots of Rock
MasterCard Cardholders have a chance to meet rock music legends as part of the 'MasterCard Roots of Rock' promotion. Browse and apply for a platinum or gold MasterCard Credit Card or for other offers like a 0 interest period or a no interest pre-paid card, or a joint store charge card.
Mortgage High Risk Loans
Troubles and worries with mortgage high risk loans continue. Wachovia will stop offering a mortgage repayment option that allows borrowers to pay less each month than the bank charges in interest. Meanwhile, CountryWide faces a lawsuit in Florida for predatory bad credit lending. There are still good home loans and mortgage refinance options.
Max Credit Card Limits Reduced
Some banks are reducing the maximum credit card limit in an effort to likewise offset the high risk of default. If you have a 0 interest balance transfer card, your introductory period could be voided by going over limit.
MasterCard Mobile Payment
MasterCard partners with Obopay to offer a person-to-person mobile payment service. Browse and apply for a secured credit card or an unsecured credit card from MasterCard, whether a no interest pre-paid gold Mastercard or a platinum rewards card.
How To Build Credit
No credit history? Learn how to build credit so you can save money by paying lower interest rates for credit cards and loans over your entire lifetime, plus not be denied top paying jobs due to high risk bad credit.
Experian Credit Report Study
Experian credit report study reveals late payments for mortgages and credit card bills for both good and bad credit people. Order your annual free credit report copy and fix errors that are costing you high interest.
Best Credit Card Rate
Learn which offers the best credit card interest rate, a variable rate or a fixed rate, gold or platinum rewards, or a standard unsecured credit card? Browse and submit a credit card application.
Bad Banks
Bad Credit Crisis Troubles Banks. Bad credit loan crisis rose 30%. If you cannot repay a high interest bad credit loan, consider debt counseling.
Bank Emergency Loan Program
The federal government extends an emergency loan program to give banks access to more, longer term cash loans. With interest rates low, now is a good time for a good or a bad credit home, auto or personal loan.
Higher Debit Credit Card Charges
Rewards are high for Visa, as consumers who are tight on money charge more on credit cards. Card maxed? Apply for balance transfer credit card offers with 0 interest intro, or for benefit cards to offset rising costs like gas.
Negotiate Credit Card Interest Rate
If you've been a good customer with your credit card company, you can negotiate a lower credit card interest rate.
Calculate Car Lease Payments
Calculate car lease payments using the residual value and the interest rate using this equation
Higher Loans Lower Interest Debt
The federal government is expected to further cut interest rates, which could mean bigger secured and unsecured loan amounts as well as higher credit card lines of credit with lower interest debt.
Bad Credit Loan Bank Rates
The Federal Reserve reduced bad credit loan bank rates. Lower interest can improve finances.
Credit Card Comparisons
Choosing a credit card right for you. Review credit card comparisons of balance transfer offers and introductory interest rates plus special rewards like no deposit or gas rebates to help you choose a good or bad credit card.

Credit Report Tip: Not all credit card companies and loan lenders use the same credit report. Be sure to order from all three major bureaus.
 

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National average interest rates. The tables below reflect credit card, mortgage, refinancing and auto loan interest rates.


Credit Card Interest Rates
National Averages
Type          Fixed   Variable
Standard    13.42   11.57
Gold           11.73   10.31
Platinum     10.55   11.60

Mortgage Interest Rates
National Averages
30yr fixed                6.14
15yr fixed                5.67
5/1 ARM                   5.81
30yr fixed jumbo       7.26
5/1 jumbo ARM         6.35

Home Equity Interest Rates
National Averages
$30K HELOC              5.41
$50k HELOC              5.08
$30k Home Equity      7.89
$50k Home Equity      7.62
$75k Home Equity      7.62

Auto Loan Interest Rates
National Averages
36 month new auto loan 6.72
48 month new auto loan 6.51
60 month new auto loan 6.52
72 month auto loan loan 6.44
36 month used auto loan 7.08

 

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