What is the current personal loan rate (24-month, commercial banks)?

The Personal Loan Rate (24-Month, Commercial Banks) is 11.40% as of February 1, 2026, sourced from Federal Reserve G.19 via FRED (TERMCBPER24NS).

Where does the personal loan data come from?

Data is pulled from Federal Reserve G.19 via FRED (TERMCBPER24NS) (https://fred.stlouisfed.org/series/TERMCBPER24NS). CalcFi caches the latest reading and historical series on an quarterly cadence.

How often is the personal loan updated?

Update cadence: quarterly. The freshness pill at the top of the page shows the exact "as of" timestamp for the latest cached value.

What unit is the personal loan reported in?

Values are reported in percent (annualized where applicable). The chart and historical table use the same unit.

Can I download Personal Loan data?

Yes. The full historical series is available as JSON at https://calcfi.app/api/data/personal-loan-rate-24mo and as CSV at https://calcfi.app/api/data/personal-loan-rate-24mo/history.csv. Both are CC BY 4.0.

Is Personal Loan Rate (24-Month, Commercial Banks) data free to use?

Yes. CalcFi-distributed data is licensed CC BY 4.0 (attribution required). Upstream public-source data (FRED, BLS, Census) remains in its original license.

How accurate is the personal loan on this page?

Values mirror the upstream Federal Reserve G.19 via FRED (TERMCBPER24NS) feed at fetch time. Brief upstream revisions can cause small discrepancies between the live source and CalcFi's cache; the freshness pill flags stale data.

Which calculators use personal loan?

Related calculators on CalcFi: Personal Loan. Each prefills the latest personal loan value.

Does this data replace financial advice?

No. Personal Loan Rate (24-Month, Commercial Banks) data is published for educational reference. It is not personalized investment, tax, or legal advice. For decisions with material consequences, consult a licensed professional.

Personal Loan Rate (24-Month, Commercial Banks) 2026 — 11.40% (Feb 1, 2026) | Free Data

Personal Loan Rate (24-Month, Commercial Banks)Live· 0m ago

11.40%

As of February 1, 2026+1.32pp

Calculate personal loan at 11.40%

Historical chart

Where today sits in history

At 11.40%, the current personal loan sits in the 69th percentile of the last decade — in the middle of its 10-year range.

Month-over-month change: up 1.32 percentage points.

About this data

Average interest rate on 24-month personal loans at commercial banks. Published quarterly by the Federal Reserve. Used to benchmark personal loan offers from banks, credit unions, and online lenders.

Data sourced directly from Federal Reserve G.19 via FRED (TERMCBPER24NS). Updated quarterly. Published by CalcFi Editorial. See our methodology.

CalcFi publishes publicly available government economic data. We do not provide financial advice. Consult a licensed advisor before making financial decisions.

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