Today's loan rates · LoanVouch vs the market

LoanVouch borrowers pay 10% less than today's US market average. Here's what that looks like across every loan type we broker.

Loan type	Market rate	Your LoanVouch rate	You save on $25,000
Personal loan 36-month term sample	11.86%	10.67%	$508
Home / mortgage 360-month term sample	6.49%	5.84%	$3,787
Mortgage refinance 360-month term sample	6.29%	5.66%	$3,640
HELOC 120-month term sample	8.25%	7.43%	$1,295
Auto loan 60-month term sample	7.00%	6.30%	$493
Business / SBA 60-month term sample	9.75%	8.78%	$709
Student refi 120-month term sample	7.04%	6.34%	$1,074

Market rates sourced from the US Federal Reserve (FRED). Last updated: July 13, 2026 at 3:31 am. Savings calculation assumes equal-term comparison. Your actual rate depends on credit profile, lender, and loan terms.

How can LoanVouch offer lower rates?

We aggregate borrower volume across our network and negotiate wholesale pricing with lenders. They get reliable deal flow; you get a 10% rate discount. We make a small per-loan placement fee from the lender — never from you.

Are these rates guaranteed?

The discount is. Your final rate depends on the lender's underwriting decision (credit, income, debt-to-income). Get matched in 2 minutes and we'll quote your exact number with no hard credit pull.

Why FRED?

The Federal Reserve Economic Data (FRED) is the official US source for benchmark interest rates. Anything you see on Bankrate, NerdWallet, or your local bank's rate sheet is derived from these same FRED series.

When do rates update?

Our cache refreshes every 24 hours from FRED. Mortgage rates update weekly; consumer credit rates update monthly. Your discount applies to whatever the current market number is on the day your loan closes.

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