研究支持的比较
利率基准和期限比较参考美联储、贷款机构调查和信用局数据。
每月使用最新利率数据更新。
在一个仪表板中比较所有主要贷款
使用我们的研究基准评估抵押贷款、汽车贷款、学生贷款和个人贷款。然后将您的选择交给计算器进行还款计算。
房屋贷款
典型利率6.5%-8.0%
汽车贷款
典型利率4.0%-15%
个人贷款
典型利率6%-36%
学生贷款
联邦5.5%-8.05%
支持利率比较和成本计算的数据。
贷款比较数据来源
每月更新。
快速比较表
| 贷款类型 | 利率范围 | 典型期限 | 最高金额 | 最低信用分 | 抵押品 |
|---|---|---|---|---|---|
Mortgage Loans Home purchase or refinance | 6.5% - 8.0% | 15-30 years | $750,000+ | 580+ | |
Auto Loans Vehicle purchase | 4.0% - 15.0% | 3-7 years | $100,000+ | 500+ | |
Student Loans Education expenses | 5.5% - 11.0% | 10-25 years | Cost of attendance | None (federal) | |
Personal Loans Any personal use | 6.0% - 36.0% | 2-7 years | $50,000 - $100,000 | 580+ |
Detailed Loan Type Analysis
房屋贷款
购买或再融资房产
Interest Rate
6.5% - 8.0%
Term Length
15-30 years
Max Amount
$750,000+
Min Credit
580+
Advantages
- Lowest interest rates available
- Long repayment terms (15-30 years)
- Tax-deductible interest payments
- Builds home equity and wealth
- Multiple government programs (FHA, VA, USDA)
- Fixed-rate options for payment stability
Disadvantages
- Requires significant down payment
- Property serves as collateral
- Lengthy approval process
- Closing costs (2-5% of loan amount)
- Property taxes and insurance required
- Market risk if home values decline
Best For
- Purchasing a primary residence
- Investment property acquisition
- Refinancing existing mortgage
- Home equity access (cash-out refi)
- Long-term wealth building
- Tax advantage seekers
汽车贷款
新车或二手车融资
Interest Rate
4.0% - 15.0%
Term Length
3-7 years
Max Amount
$100,000+
Min Credit
500+
Advantages
- Competitive interest rates (secured by vehicle)
- No down payment required (some lenders)
- Fast approval and funding
- New car incentives (0% APR offers)
- Builds credit with on-time payments
- Vehicle retains some value as collateral
Disadvantages
- Vehicle depreciates rapidly (20% first year)
- Gap between loan balance and car value
- Full insurance coverage required
- Mileage restrictions on some loans
- Early payoff may not save much interest
- Repossession risk if payments missed
Best For
- Purchasing new or used vehicles
- Replacing unreliable transportation
- Building credit history
- Taking advantage of manufacturer incentives
- Preserving cash for other investments
- Business vehicle needs
学生贷款
教育和培训资金
Interest Rate
5.5% - 11.0%
Term Length
10-25 years
Max Amount
Cost of attendance
Min Credit
None (federal)
Advantages
- No collateral required for federal loans
- Deferred payments while in school
- Income-driven repayment options
- Loan forgiveness programs available
- Interest may be tax-deductible
- Lower rates than unsecured loans
Disadvantages
- Cannot be discharged in bankruptcy
- Interest accrues during school (unsubsidized)
- Complex repayment options
- Potential for negative amortization
- Long-term financial burden
- Limited consumer protections (private loans)
Best For
- Funding undergraduate education
- Graduate and professional school
- Career advancement training
- Professional certification programs
- Public service career paths (PSLF eligible)
- Low-income students (Pell Grant eligible)
个人贷款
灵活资金用于任何目标
Interest Rate
6.0% - 36.0%
Term Length
2-7 years
Max Amount
$50,000 - $100,000
Min Credit
580+
Advantages
- No collateral required
- Fast approval and funding (1-7 days)
- Fixed interest rates and payments
- No restrictions on fund usage
- Predictable repayment schedule
- Can improve credit mix
Disadvantages
- Higher rates than secured loans
- Shorter repayment terms
- Origination fees (0-8% of loan)
- Credit score heavily impacts rates
- No tax benefits
- Penalties for early repayment (some lenders)
Best For
- Debt consolidation at lower rates
- Home improvement projects
- Medical expenses
- Wedding or major life events
- Emergency financial needs
- Small business startup costs
Real-World Loan Scenarios
Home Improvement Project ($25,000)
Home Equity Loan
Interest Rate:7.5%
Term:10 years
Monthly Payment:$295
Total Cost:$35,412
Pros:
- Tax deductible
- Lower rate
Cons:
- Uses home as collateral
Personal Loan
Interest Rate:12.0%
Term:5 years
Monthly Payment:$556
Total Cost:$33,360
Pros:
- No collateral
- Fast funding
Cons:
- Higher rate
- Shorter term
Credit Card
Interest Rate:22.0%
Term:5 years
Monthly Payment:$696
Total Cost:$41,760
Pros:
- Immediate access
Cons:
- Highest rate
- Variable rate
Expert Recommendation
Home Equity Loan offers the best combination of low rates and tax benefits for large home improvements.
Debt Consolidation ($15,000)
Personal Loan
Interest Rate:11.0%
Term:4 years
Monthly Payment:$389
Total Cost:$18,672
Pros:
- Fixed rate
- Single payment
Cons:
- Origination fee possible
Balance Transfer Card
Interest Rate:0%/21%
Term:18 months
Monthly Payment:$833
Total Cost:$15,000
Pros:
- 0% intro APR
Cons:
- High rate after intro
Home Equity Line
Interest Rate:8.5%
Term:10 years
Monthly Payment:$186
Total Cost:$22,320
Pros:
- Low rate
- Tax deductible
Cons:
- Home at risk
Expert Recommendation
Balance Transfer Card with 0% intro APR is best if you can pay off within the promotional period.
Vehicle Purchase ($35,000)
Auto Loan (New)
Interest Rate:6.5%
Term:5 years
Monthly Payment:$684
Total Cost:$41,040
Pros:
- Competitive rate
- Manufacturer incentives
Cons:
- Depreciation risk
Auto Loan (Used)
Interest Rate:8.5%
Term:4 years
Monthly Payment:$862
Total Cost:$41,376
Pros:
- Lower purchase price
Cons:
- Higher rate
- Less warranty
Personal Loan
Interest Rate:13.0%
Term:5 years
Monthly Payment:$793
Total Cost:$47,580
Pros:
- Own car outright
- No restrictions
Cons:
- Much higher rate
Expert Recommendation
New car auto loan provides the best rate and terms, especially with manufacturer incentives.
Loan Comparison FAQ
What type of loan has the lowest interest rate?
Mortgage loans typically have the lowest interest rates (6.5-8.0%) because they are secured by real estate. Auto loans are next lowest (4-15%) as they are secured by the vehicle. Personal loans have higher rates (6-36%) as they are unsecured, while student loan rates vary (5.5-11.0%) depending on federal vs private and borrower qualifications.
Should I use a personal loan to buy a car?
Generally no. Auto loans offer much lower interest rates (4-15%) compared to personal loans (6-36%) because the vehicle serves as collateral. Auto loans also have longer terms (3-7 years), resulting in lower monthly payments. Personal loans might only make sense if you're buying a very old vehicle that doesn't qualify for auto financing.
Can I use a personal loan to pay off student loans?
While possible, it's usually not recommended. Student loans offer unique benefits like income-driven repayment plans, deferment options, and forgiveness programs that you'd lose with a personal loan. Personal loans also typically have higher interest rates and shorter terms. Only consider this if you have excellent credit and can get a significantly lower rate.
Which loan is best for home improvements?
For large projects ($25,000+), home equity loans or HELOCs are usually best due to lower rates (7-9%) and tax deductibility. For smaller projects under $15,000, a personal loan might be more convenient despite higher rates, as it avoids using your home as collateral and has faster approval times.
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重要贷款比较免责声明
利率为示例，会随市场条件变化。
所有贷款决定应仔细审查。
本工具不构成财务建议。