Each personal loan service calculates their interest rates differently and exact interest rates can always change based on market conditions and other factors. In general, interest rates are calculated based on personal financial history and loan amount. Lenders will consider the applicant's credit score, income, bankruptcy history, debt, and more. Those with good credit scores can often find personal loan rates for under 10% APR, but those with lower credit scores will often find their APR to be 15% or higher. All APR numbers are subject to change and the best way to find the exact amount for you is to apply for a personal loan and view the live offers.