How we rate products To determine our top low-interest personal loans, we compiled a list of personal loan lenders, including online lenders and peer-to-peer lenders, seeking out those that offer interest rates below the national average of 12%. $5,000 up to $100,000 Loan terms: 2-20 years, depending on loan purpose 1 <p>Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. When you know what goes into personal loan rates and offers, you'll be better equipped to evaluate lenders as you shop for a personal loan.