◆ ClearValue editorial analysis

The numbers behind this analysis

Personal-loan pricing is public and updates on a regular federal release schedule: the Federal Reserve's G.19 Consumer Credit release put the average 24-month personal loan finance rate at commercial banks at 11.40% as of February 2026 — the benchmark your own quote should beat, or the lender should be able to explain why it doesn't.

The fine print varies far more by lender than that headline rate does. The CFPB's 2025 Consumer Response Annual Report logged roughly 6.6 million complaint submissions last year, including 387,400 collection records filed specifically about debt collectors — real regulatory volume that exists because servicing and collection practices differ widely across lenders, not because personal loans themselves are unusually risky.

Primary sources: Federal Reserve — G.19 Consumer Credit release · CFPB — 2025 Consumer Response Annual Report

Analysis by the ClearValue Editorial Team, applying our published scoring methodology.

This analysis combines cited public data (Federal Reserve, FDIC, FTC, CFPB, SBA/USDA, NAIC, ICI, BLS) with ClearValue's own cost math and category comparison — it is not proprietary ClearValue portfolio data. Rates, APYs, fees, and program terms move; figures carry an as-of date and you should verify current numbers at the linked primary sources and with the provider before deciding. Educational information, not financial, legal, or tax advice.