Guide des prêts personnels 2026
Tout sur les prêts personnels: types, taux 2026.
Types of personal loans
Unsecured (6-36%), secured (3-12%), lines of credit (revolving), P2P (LendingClub), debt consolidation.
2026 interest rates
| Type | Rate |
|---|---|
| Unsecured personal | 8-24% |
| Secured personal | 4-12% |
| Credit card | 18-29% |
| Mortgage | 5.5-7% |
| Auto | 5-10% |
How to compare offers
Compare APR (annual percentage rate), not just nominal rate. APR includes all fees. Also: term, penalties, origination fees (1-6%), credit requirements.
Amortization
$10,000 at 10% for 3 years: $322.67/month. Total $11,616 ($1,616 interest). Early payments mostly interest, later mostly principal.
When to get a loan
- YES: Consolidate debt, investment with clear ROI, medical emergency, property improvements.
- NO: Vacations, speculative assets, paying cards if spending continues.
Improve your credit
FICO 750+: best rates. Improve: pay on time, utilization <30%, limit new accounts.
Loans in Latin America
Higher rates: Mexico 15-40%, Brazil 20-50%, Colombia 15-35%, Argentina 60-120%. Alternatives: cooperatives, fintechs, microcredit.
Free tools
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Ouvrir l'outil→Questions fréquentes
Best personal loan rate?
Credit 750+: 6-10% APR. Average: 12-15%. Compare 3+ offers.
How much can I borrow?
DTI ratio <36-43% of gross income. $4,000/month income → max ~$1,500/month debt.
Short or long term?
Short (1-3 years): higher payment, less total interest. Long (5-7): lower payment, more interest.
What is APR?
Annual percentage rate including interest + fees. Most accurate way to compare.
Can I prepay?
Most allow it without penalty. Some charge 1-5% of balance. Check before signing.
Loan or credit card?
Loan: fixed rate/payment, better for $5K+. Card: flexible but 18-29%, better for small expenses.