Advertiser disclosure: some links on this page earn us a commission. It never changes
what we publish, and it costs you nothing.
How we make money
Rocket Loans: personal loan APR, fees and requirements
What Rocket Loans publishes about its personal loans (7.99% to 29.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
Lender type
Online lender
APR range
7.99% to 29.99%
Loan amounts
$2,000 to $75,000
Repayment terms
36 to 60 months
Origination fee
Up to 9.99%
Minimum credit score
Not published
Funding time
Same day if the loan process is completed and the Promissory Note signed by 4:00 PM ET on a business day
Availability
Not available in Iowa, Maryland, Nevada, West Virginia, Puerto Rico, Guam, U.S. Virgin Islands, American Samoa, or Northern Mariana Islands. Must be a U.S. citizen or permanent resident, 18+.
How the lender states its rates: “APR ranges from a minimum of 7.99% (rate with autopay discount) to a maximum of 29.99% (rate without autopay discount) depending upon their credit profile.”
How the starting rate compares
The lowest advertised APR, 7.99%, ranks 15 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Every article is checked against primary sources: the Consumer Financial Protection
Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece
and say when.
How we make money
Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a
better review, and nobody outside our editorial team sees a piece before it runs.
What we are not
Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.