Personal loan rates can vary based on several factors, including the borrower's creditworthiness, loan amount, and repayment term. Generally, personal loan interest rates in the United States range from around 6% to 36% APR (Annual Percentage Rate). The exact rate offered to an individual depends on their credit score, income level, employment status, and overall financial profile.

Borrowers with excellent credit scores typically qualify for lower interest rates, while those with lower credit scores may face higher rates or have difficulty securing a loan. Additionally, the loan term and amount can influence the interest rate, with shorter terms and smaller loan amounts often resulting in lower rates.

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