Rate: Home, Finance & Wellness

Rate is a next‑generation mortgage and wellness app that brings together your home, finances, and daily wellbeing. With fast approvals, Auto Loans, and a seamless digital platform, Rate helps you move confidently—whether you're buying a home, financing a vehicle, or managing your financial life.

You can apply for a mortgage, refinance, personal loan, HELOC, or auto loan in minutes, explore homes for sale, check your home’s estimated value, and track every step of your loan through the Loan Center. You’ll also have access to dedicated mortgage advisors and insurance options for home, auto, pets, umbrella, and more.

Rate also supports your wellness with a growing library of content designed for mind and body. Explore Yoga Yard, Zen Den meditation, Sleep Sanctuary soundscapes, the 7‑Day Sleep Harmony series, Train Like a Champ athlete program, Outdoor Studio workouts filmed in Miami and Chicago, Nutrition Kitchen meal plans, and Guru Garden mindfulness sessions.

Rate brings your financial tools and wellness routines together in one place to help you live more balanced every day.

Rate Personal Loans:
Loans are made by Rate, Inc. (NMLS ID 2611). 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. 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. Repayment options range from 1 – 5 years. Loan amounts range from $4,000 - $50,000. Standard fixed rates from 8.99% to 19.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, standard fixed rates range from 8.74% to 19.74% APR. Rates and loan amount may differ due to state-specific requirements and may impact your ability to qualify for a loan. Limitations: FL, ME, NC, TX, VT, PA, and CT (rate); IL, MA, CA, RI and NM (amount); OH (duration). The lowest rate advertised is reserved for the most creditworthy borrowers. Advertised rates and terms are current as of 01/13/23 and are subject to change without notice. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities. Personal loans are only available in AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, IA, KS, LA, ME, MA, MI, MD, MN, MO, ND, NC, NH, NJ, NM, OH, OK, PA, RI, SC, TN, TX, UT, VT, WA, and WY as of 01/13/23. Loan applications outside of these states will not be accepted at this time. 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.


©2026 Guaranteed Rate, Inc. All rights reserved. NMLS License #2611 3940 N. Ravenswood Ave Chicago, IL 60613 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.

Refer to rate.com/personal-loans, rate.com/HELOC, and rate.com/home-valuation for important eligibility requirements and restrictions. Not all products are available in all states. Refinancing your mortgage may increase costs over the term of your loan. Guaranteed Rate, Inc. d/b/a/ Rate (NMLS #2611) has financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance. All applicants are subject to credit and underwriting approval and not all applicants will be approved. Talk to a Rate loan officer for more information. Go to www.nmlsconsumeraccess.org for licensing information.