Types of Loans
Types Of Loans is a structured business dataset with 17 entries. Its fields include Loan Type, Typical APR, Typical Term. The source values are preserved as a structured reference table.
Every row is shown below and is also available as CSV, JSON, or Excel.
Dataset details
- Table scope
- All 17 rows
- Fields
- 6 columns
- Source
- Community curated
- Data updated
- Apr 10, 2026
Included fields: Loan Type, Typical APR, Typical Term, Secured?, Best For, and 1 more.
The table contains every record in this dataset; the same records are available in each download format.
Preview observations
- Secured? groups
- 8 distinct values
- Across 17 preview rows
Useful for
- Comparing Loan Type, Typical APR, and Typical Term across business entries
- Building reference tables, charts, or analyses from 17 downloadable records
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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Frequently asked questions
How is Types of Loans organized?
The table starts in the source data's default order. You can sort and filter the loaded rows by the displayed fields.
How much data is available on this page?
This dataset contains 17 entries, and every row is available in the table and in the downloadable files.
Can I download the complete dataset?
Yes. CSV, JSON, and Excel downloads contain all 17 rows. Before republishing the data, review the source and any usage terms listed on this page; dtbse does not replace the original source's licensing terms.
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