Personal loans remain higher than mortgages because they're unsecured. However, falling rates mean lenders compete harder for applicants, improving offerings for Americans with good credit.

Who Benefits Most

• Prime borrowers (FICO 720+): Most likely to secure single-digit personal loan APRs, as low as 6.24%.
• Fair-credit borrowers (650-720 FICO): Can leverage RadCred's broader lender range and alternative data analysis to qualify for loans unavailable at traditional banks.
• Debt consolidation seekers: Those carrying high-interest balances gain from improved consolidation rates through RadCred.

RadCred's Expanded Opportunities

RadCred is uniquely positioned to help personal loan seekers:

Expanding lender network: More lenders are joining RadCred's platform in response to rate cuts, offering competitive rates to attract borrowers.

AI-driven matching: RadCred's technology automatically matches applicants to lenders offering the best rates and terms. The platform evaluates 100+ data points for optimal offers.

Debt consolidation solutions: As rates ease, RadCred

Credit repair guidance: RadCred connects borrowers with fair or poor credit to counseling experts who help improve credit scores, enabling access to better rates.

Alternative data evaluation: RadCred's AI factors income patterns, bank transactions, and payment history to improve approval chances for freelancers or those with fair credit.

Market Conditions Support Better Outcomes

Easing mortgage rates TransUnion

"Consumers with strong credit will find lenders more willing to compete, resulting in better rates than seen in most of the past two years," said Alex Zadorian, CEO of RadCred. "RadCred's real-time matching helps borrowers access top lender offers. The combination of easing rates, expanded lender networks, and AI-driven matching creates a genuine opportunity for personal loan seekers."

Smart Borrowing Steps

Borrowers should act decisively:

• Check your credit score and debt-to-income ratio
• Compare rates from multiple lenders using RadCred's AI
• Calculate potential savings through consolidation
• Act promptly- rate environments can shift quickly

About RadCred

RadCred is a U.S.-based AI loan marketplace connecting consumers with licensed lenders. It offers personal and consolidation loans for all credit profiles, matching borrowers to optimal lender offers using real-time data and alternative credit assessment.

Visit | Media Contact: support @radcred

Disclaimer

RadCred is not a direct lender and does not make credit decisions. Loan terms, rates, and approvals vary by lender and state. This release is for informational purposes; borrowers should review all lender disclosures before accepting offers.