The lowest rate of the companies we track is from American Express Personal Loan, which has a minimum APR of 5.91%. The highest rate is fromNetCredit Personal Loans, which has a maximum APR of 99.99%.

But it is important not to overestimate industry decline, she adds, with year-on-year sales comparisons becoming less reliable since 2020 due to a pandemic spike that ... 2022 and 2.8% in 2023 ...

With a high credit score or if you apply with a cosigner, though, you may be able to negotiate a private student loan interest rate. Compare offers from various lenders to score the lowest rate.