At Rate, we believe homeownership is the first step toward unlocking a better future for you and your loved ones. Buying a home is an exciting journey, but it can also be overwhelming. That’s why we offer not just mortgages, but access to free wellness resources to ease the stress and support you every step of the way. You are the reason we do what we do—the why behind our mission to provide not only the best mortgage experience but also a path to better well-being.

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GR Personal Loans:
Standard fixed rates from 10.99% to 21.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, fixed rates range from 10.74% to 21.74% APR. Loan amounts range from $4,000 - $50,000 and are subject to state requirements. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities.
Loans are made by Guaranteed Rate, Inc. (NMLS ID 2611).
- Period of repayment: The minimum period of repayment for GR personal loans is 12 months and the maximum period of repayment is 60 months.
- Annual Percentage Rate: Our maximum annual percentage rate ( APR) is 21.99% and may vary based on state requirements.
Representative Example of the Cost of a GR Personal Loan: For $20,000 borrowed over 36 months at 10.74% (including 0.25% autopay discount), the total cost of the loan, including the principal and all applicable fees, is $23,483.32. This example is an estimate only and assumes payments are made on time.
GR Personal Loan prepayment options range from 1-5 years. GR personal loans do not require repayment in full in 60 days or less from the loan issue date.
Terms and Conditions: You must be 18 years of age or older (19 years of age or older in Alabama). To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa. All loan applications are subject to credit review and approval as well as income and employment verification. You must meet our minimum requirements established for this offer including, but not limited to, credit history, debt-to-income ratio, and application information. Your actual rate depends on your requested loan amount, loan term, creditworthiness, and a variety of other factors. Loan amounts range from $4,000 - $50,000. Rates and loan amount may differ due to state-specific requirements. Limitations: FL, ME, NC, TX, VT, PA, CT, LA, KS, SC, WY, RI, MA, MN, CO, AR and IA (rate); IL, MA, CA, RI, NM and SC (amount); OH (duration). The lowest rate advertised is reserved for the most creditworthy borrowers. Advertised rates are current as of 11/09/23 and are subject to change without notice.