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Compare financing types side by side
General categories compared honestly, using typical published ranges — not specific lenders we have no relationship with.
How this table is built.
- Total cost over the full term
- Fees disclosed upfront
- Prequalification without a hard credit pull
- Typical funding speed
| Loan Type | Typical Rate Range | Typical Term | Best For |
|---|---|---|---|
| Personal loan | 8% – 20% APR | 2 – 7 years | A fixed amount for a specific purpose, unsecured |
| Auto loan | 6% – 12% APR | 3 – 7 years | Financing a vehicle, secured by the car itself |
| Business term loan | 9% – 25% APR | 1 – 10 years | A lump sum for equipment, expansion or working capital |
| HELOC / home equity | 8% – 13% APR (variable common) | 5 – 20 years | Ongoing access to funds secured by home equity |
| 0% intro credit card | 0% intro, then 18% – 29% APR | 12 – 21 months intro | Small amounts you can repay before the intro period ends |
| Buy-now-pay-later | 0% – 30% APR depending on plan | 6 weeks – 24 months | Smaller purchases with short, defined repayment windows |
This table shows typical published ranges, not guaranteed rates — your actual rate depends on your credit, income and the specific lender.
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