| 30-yr FHAAPR includes FHA mortgage insurance | 5.38%6.11% APR |
| 7-yr ARMRate can adjust after year 7 | 6.48%6.60% APR |
| 15-yr fixed | 6.61%6.63% APR |
| 5-yr ARMRate can adjust after year 5; source APR is below the start rate | 6.75%6.72% APR |
| 10-yr fixed | 6.82%6.86% APR |
| 30-yr VAEligible veterans and service members | 6.97%7.33% APR |
| 30-yr fixed | 7.43%7.44% APR |
Assumes a $500,000 purchase price with the source’s default 20% down payment (implies a $400,000 loan amount and 80% LTV; the source does not publish a separate loan amount), 720–739 credit score, single-family primary residence; points not specified by the source. Purpose: purchase (not refinance). Rates as of Oct 1, 2026 8:14 AM ET / 5:14 AM PT (Zillow data via NerdWallet); checked 5:48 AM PDT Oct 1. Averages, not offers. Your rate and APR depend on credit, loan amount, down payment, points and location.
| Alliant Credit UnionIntroductory rate; then 7.00% variable APR | 3.99% |
| AchieveFixed-rate option available | 5.50% |
| AvenStarting APR, variable | 5.99% |
| FourLeaf FCUIntroductory rate; then 6.75% APR | 5.99% |
| Police & Fire FCUStarting APR | 6.00% |
| Third FederalVariable APR | 6.24% |
| Hyundai Tucson ’26Up to 72 mo; October listing, verify with dealer | 0.00% |
| Jeep Wrangler ’26Up to 72 mo; October listing, verify with dealer | 0.00% |
| Mazda CX-5 ’26Up to 72 mo; October listing, verify with dealer | 0.00% |
| Subaru Ascent ’26Up to 72 mo; October listing, verify with dealer | 0.00% |
| Toyota Tacoma ’26Up to 72 mo; October listing, verify with dealer | 0.00% |
| Kia EV6 / EV9 ’2660 mo; EV9 adds $5,000 cash; 2027 models from 0.9% | 0.00% |
| Chevy Silverado 1500 ’26Up to 60 mo; not yet shown on chevrolet.com Oct 1 | 0.00% |
| Kia Sorento / Sportage ’2648 mo; gas, hybrid & plug-in hybrid | 0.00% |
| Ford Explorer / F-150 ’2636 mo plus $1,500 / $2,500 cash; RealCarTips expects these to continue | 0.00% |
| Baxter Credit UnionNew auto; range 2.89–6.44% APR | 2.89% |
| Polish & Slavic FCU · United CUNew auto; ranges up to 5.30% / 5.99% APR | 2.99% |
| myAutoLoanAuto refinance; 600+ credit; from $5,000 | 4.09% |
| CaribouAuto refinance; range 4.18–28.55%; 640+ credit | 4.18% |
| CarputtyAuto purchase; range 4.33–14.07%; 680+ credit | 4.33% |
| Avg · super-prime new781+ credit (Q1 2026 data); super-prime used 6.30% | 4.55% |
| Motorcycle · Dade County FCURange 4.00–5.00%; United CU 5.05% | 4.00% |
| RV · Dade County FCURange 4.75–5.75%; American Airlines FCU 5.59% | 4.75% |
| Boat · Navy Federal (new)Up to 36 mo; 8.95% for 37–180 mo; members only; eff. Oct 1 | 6.95% |
| Boat · Navy Federal (used)Up to 36 mo; 9.00–9.90% longer terms; eff. Oct 1 | 7.45% |
| Certified pistonUp to 20-yr amortization; about 15% down; 720+ credit | 7.01% |
| Turboprop & jet | 7.13% |
| MOSAIC light sport | 7.71% |
| Experimental / kit | 7.78% |
| Wells Fargo ReflectPurchases + BT; 5% BT fee (min $5); then 17.74%, 24.24% or 28.49% | 0% · 21 mo |
| Chase SlatePurchases + BT; then 18.24–28.24% | 0% · 21 mo |
| BankAmericard21 billing cycles; 5% BT fee; then 14.99–25.99% | 0% · 21 cyc |
| Citi Diamond PreferredBT 21 mo, purchases 12 mo; BT fee 3% first 4 mo then 5%; then 16.74–27.49% | 0% · 21 mo BT |
| Happen BankRange 5.96–35.99% APR; 600+ credit | 5.96% |
| UpstartRange 6.30–35.99% APR; 300+ credit | 6.30% |
| SoFiWith autopay; range 6.49–35.49% APR | 6.49% |
| DiscoverRange 6.99–24.99% APR; 660+ credit; no fees | 6.99% |
| UpgradeRange 7.74–35.99% APR; 600+ credit | 7.74% |
| Sealy mattress (Wells Fargo card)$1,700+ purchase; true 0% equal payments; then 28.99%; ends 12/31/26 | 0% · 60 mo |
| iPhone · Apple Card InstallmentsMac, iPad and Watch up to 12 mo; carriers 24–36 mo | 0% · 24 mo |
| Jewelry · Kay / Zales / JaredDeferred interest; 35.99% back-charged if not paid in full | 0% · 18 mo |
| Jewelry · Affirm0–36% by credit; 3–60 mo; up to $17.5k | from 0% |
| Medical / dental · CareCreditDeferred interest 6–24 mo; standard APR 32.99% | 0% · 24 mo |
| GoodLeapRate bought down with 19–35% dealer fee in the loan | 1.99%† |
| Sunlight Financial15–30% dealer fee | 2.49%† |
| Dividend Finance15–25% dealer fee | 3.49%† |
| LightStreamNo dealer fee | 6.49% |
| Navigant Credit UnionFixed APR; via College Ave refinance; membership required | 2.74% |
| America’s Christian CUVariable APR; membership required | 2.91% |
| Credible marketplaceLowest shown Sep 24 | 3.65% |
| USC Credit UnionVariable 3.74%; fixed 3.99% | 3.74% |
| SBA 504 (real estate, equipment)Typical range 5–7% | ~5.00% |
| SBA microloanTypical 8–13% | 8.00% |
| SBA 7(a) fixed cap, $250k+Legal maximum, not a floor; tied to 7.00% prime | ≤12.00% |