Calculator reference
Loan versus card APR benchmarks
This page records the older loan and card rates used in the calculator. The figures do not compare real offers for you.
Page summary
These older loan and card figures help show how the tool works. They come from different groups and dates. They cannot tell you which choice costs less for you. Use your own written terms to decide. This page adds no new data on loans.
- Loan figures
- LendingTree conditional offers, Q4 2025. These are offers made subject to conditions.
- Card figures
- CFPB purchase-rate medians, January–June 2023. A median is the middle value in a group.
The dates and groups differ. Each source also measures a different thing. Use the figures to follow the examples. Compare your own offers before you choose.
The benchmark file was checked September 9, 2026. The same assumptions still apply. Independent review remains pending.
Download the original benchmark data, sources and method (JSON)
Rung Financial · Source checks: September 26, 2026 · Citation record · Correction history · Report an error