Loan Type↕ | Typical APR↕ | Typical Term↕ | Secured?↕ | Best For↕ | Biggest Risk↕ |
|---|---|---|---|---|---|
30-Year Fixed Mortgage | 6-7% | 30 years | Yes (home) | Long-term homeowners wanting predictable payments | Pay 2x-3x principal in interest over the life of the loan |
15-Year Fixed Mortgage | 5.5-6.5% | 15 years | Yes (home) | Buyers who can handle higher monthly payments | Higher payment limits monthly cash flow flexibility |
Adjustable Rate Mortgage (ARM) | 5.5-6.5% teaser | 30 years with 5-10 year fixed period | Yes (home) | Buyers planning to move before reset | Rate can spike dramatically after initial fixed period |
FHA Loan | 6-7% | 15-30 years | Yes (home) | First-time buyers with low down payment | Mortgage insurance premiums last for the life of the loan |
VA Loan | 5.75-6.75% | 15-30 years | Yes (home) | Veterans and active military (0% down) | Funding fee of 1.25-3.3% added to loan |
HELOC | 8-10% (variable) | 10 year draw + 20 year repay | Yes (home equity) | Home improvements, flexible access to equity | Variable rate plus your house is collateral |
Home Equity Loan | 8-9% | 5-30 years | Yes (home equity) | Lump-sum projects with fixed repayment | Adds a second lien on your house |
Auto Loan (New) | 7-9% | 60-72 months | Yes (vehicle) | New car purchases with decent credit | Negative equity if car depreciates faster than payoff |
Auto Loan (Used) | 8-12% | 36-72 months | Yes (vehicle) | Used car purchases from dealers | Longer terms mean paying interest on a depreciating asset |
Federal Student Loan | 6.5-8.5% | 10-25 years | No | Undergrad and grad students (flexible repayment) | Not dischargeable in bankruptcy except extreme cases |
Private Student Loan | 5-15% | 5-20 years | No (often cosigned) | Borrowers with strong credit or cosigners | No income-driven repayment, limited forbearance |
Personal Loan | 10-25% | 2-7 years | No | Debt consolidation or unexpected expenses | High rates if credit is weak, origination fees |
Credit Card Debt (Revolving) | 20-29% | Revolving | No | Short-term float paid in full each month | Minimum payments can take decades to clear |
Payday Loan | 300-500% (APR equivalent) | 2 weeks | No (post-dated check) | Almost never - predatory short-term cash | Debt trap cycle, borrowers often reborrow 8+ times |
Buy Now Pay Later (BNPL) | 0-30% | 4-24 weeks | No | Small purchases paid on time | Stacking multiple BNPL plans, late fees, credit dings |
SBA 7(a) Loan | 10-13% | Up to 25 years | Partially (guaranteed by SBA) | Small businesses needing working capital | Requires personal guarantee and lien on business assets |
Title Loan | 100-300% | 30 days | Yes (car title) | Almost never - last resort cash | One in five borrowers lose their vehicle |
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