Today's Loan Rates
Every lending rate, published in full
Personal loans, lines of credit, share-secured loans, student refinancing, and recreational vehicles, priced by term and credit tier. No teaser figures and no rate hidden behind a form.
How to read these tables
Three things determine which number in a row applies to you.
Your credit tier
Tier A is roughly 740 and above, Tier B 680 to 739, Tier C 620 to 679, and Tier D below 620. Tier is one input among several, not the whole decision.
Your term
Longer terms carry higher rates because the lender holds risk longer. The difference between a 24-month and 60-month personal loan is about two full points.
Whether autopay is on
Rates below include the 0.25% autopay discount where it applies. Without autopay, add a quarter point to the figure shown.
Personal loans
Fixed rate, $1,000 to $50,000, no origination fee. APR by term and credit tier.
Personal line of credit
Variable rate tied to prime, $2,000 to $25,000, no annual fee. Interest accrues only on the drawn balance.
Share-secured and certificate-secured loans
Priced off the rate your collateral earns, so credit tier does not change the number.
Student loan refinancing
$5,000 to $250,000, federal and private loans combined, no origination fee. Rates include the autopay discount.
Recreational vehicle loans
New units, Tier A and Tier B pricing. Used units add roughly half a point; terms depend on loan amount.
For reference, our other lending rates
Published here so you can see the full picture in one place.
Rates current as of July 2026 and subject to change. Membership eligibility required. This is a demonstration website; rates, products, and figures shown are illustrative only.
Common questions
How often do these rates change?
Consumer loan rates are reviewed monthly and change when funding costs move. Variable products tied to prime adjust within one billing cycle of a prime rate change.
What exactly is a credit tier?
A pricing band. Tier A is roughly 740 and above, B is 680 to 739, C is 620 to 679, and D is below 620. Your tier sets the starting point, then income and debt load refine the final offer.
Will I get the rate I see here?
Only a rate check can tell you. These tables show the rate for each tier and term; which cell applies depends on your credit file, and the soft-pull check confirms it in about two minutes.
Why is APR different from the interest rate?
APR includes fees along with interest, which is why it is the honest comparison figure. Summit charges no origination fees on consumer loans, so on most of our products the two numbers are identical.
Can I lock a rate before I buy something?
Yes. A pre-approval holds your rate for 60 days on vehicle and recreational loans, and 30 days on personal loans, which is usually enough time to shop without pressure.
Do you match rates from other lenders?
We do not advertise a match program, but bring us a written offer and a member advisor will review it. On many loan types we are already below what members find elsewhere.
Find out which cell applies to you
A soft-pull rate check takes about two minutes, shows your actual APR on every term, and leaves your credit score untouched.