A good interest rate on a personal loan typically ranges from 10% to 12%, depending on factors like your credit score, income, and the lender. Rates below 10% are considered excellent, while rates above 12% may be higher than average.

Average Online Personal Loan Rates by Credit Score

Credit Rating
        Credit Score   Interest Rate (p.a.)

Excellent

800 - 900

10.25%.

Good

740 - 799

11.25%.

Average

670 - 739

15.50%.

Poor

300 - 579

24.00%