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Here’s what you can expect to pay for a personal loan right now

Personal loan rates have ticked up slightly: For those with excellent credit, the average interest rates on personal loans with 60-month terms hit 14.68% and for 36-month terms 13.77%. For personal loans with 36-month terms, average interest rates were 23.18%, while personal loans with 60-month, or 5-year terms, were 24.12%, according to the latest data from Bankrate for the week ending April 4. Of course, the rate you’ll pay depends on a variety of factors, including your credit score.