Use the APR heatmap to compare state pricing, test different credit bands and loan setups, and spot where borrowing may look cheaper before you move to the calculator or live form.
Use the filters below to change the pricing view by credit band, loan size, and term. This does not replace a lender quote, but it gives a much better pricing range than a flat national average.
These lists use the current state baseline. Your filters above can shift the picture, but they are still a useful starting point for understanding where borrowing tends to look cheaper or more expensive.
State pricing is not only about geography. It is also shaped by your credit band, the amount you want, the repayment term you pick, and what kind of lender you are likely to fit.
The strongest single APR driver is still borrower quality. A better credit band usually pushes the entire state heatmap down, while a weaker band lifts the heatmap across the board.
Smaller amounts and shorter terms often price better. Larger balances and longer terms can push rates higher even when the state baseline looks attractive.
Some states surface more bank and credit union strength, while others look more fintech-heavy. That mix changes the APR environment you are likely to see first.
Use the state pricing view as a starting point, then move into tools and lender reviews that help you turn the rate picture into a real borrowing decision.
Use the payment calculator once you know whether your state looks lighter or heavier on pricing.
Open calculatorAPR is only one side of the picture. Approval pressure can still change which lenders are realistic.
Open approval mapIf you want to focus on cleaner pricing, start with lenders that are often associated with lower APR floors.
| State | Avg APR | Approval | Avg Loan | Strongest Signal |
|---|---|---|---|---|
| DC - District of Columbia | 12.1% | 77% | $18,200 | SoFi |
| NH - New Hampshire | 12.4% | 76% | $15,200 | SoFi |
| VT - Vermont | 12.6% | 75% | $14,100 | SoFi |
| MN - Minnesota | 12.8% | 75% | $14,400 | SoFi |
| MA - Massachusetts | 12.9% | 74% | $16,100 | SoFi |
| HI - Hawaii | 13.1% | 72% | $16,200 | SoFi |
| NJ - New Jersey | 13.1% | 72% | $15,800 | SoFi |
| WA - Washington | 13.2% | 72% | $14,800 | SoFi |
| ND - North Dakota | 13.2% | 73% | $12,600 | PenFed Credit Union |
| UT - Utah | 13.3% | 72% | $13,100 | LightStream |
| CO - Colorado | 13.4% | 71% | $14,100 | LightStream |
| RI - Rhode Island | 13.4% | 71% | $13,600 | Upgrade |
| WI - Wisconsin | 13.5% | 71% | $13,200 | SoFi |
| NY - New York | 13.6% | 70% | $15,400 | SoFi |
| ME - Maine | 13.6% | 70% | $12,800 | SoFi |
| OR - Oregon | 13.8% | 70% | $13,800 | LightStream |
| MD - Maryland | 13.8% | 70% | $14,900 | LightStream |
| CT - Connecticut | 13.9% | 69% | $14,800 | SoFi |
| VA - Virginia | 13.9% | 70% | $14,600 | LightStream |
| NE - Nebraska | 14.0% | 70% | $12,100 | LendingClub |
| PA - Pennsylvania | 14.1% | 69% | $13,900 | SoFi |
| IA - Iowa | 14.1% | 70% | $11,900 | LendingClub |
| DE - Delaware | 14.2% | 68% | $13,500 | Upstart |
| IL - Illinois | 14.3% | 68% | $13,600 | LightStream |
| WY - Wyoming | 14.6% | 67% | $11,500 | Upgrade |
| MT - Montana | 14.7% | 66% | $11,100 | Upstart |
| SD - South Dakota | 14.8% | 66% | $11,800 | Upstart |
| CA - California | 14.8% | 67% | $15,200 | SoFi |
| ID - Idaho | 14.9% | 66% | $11,400 | Upgrade |
| AZ - Arizona | 15.2% | 65% | $12,400 | Best Egg |
| KS - Kansas | 15.3% | 65% | $11,600 | Best Egg |
| MI - Michigan | 15.4% | 64% | $12,200 | LendingClub |
| OH - Ohio | 15.6% | 64% | $12,100 | LendingClub |
| IN - Indiana | 15.8% | 64% | $11,200 | Best Egg |
| NC - North Carolina | 15.9% | 64% | $12,000 | LendingClub |
| FL - Florida | 16.1% | 63% | $11,900 | Best Egg |
| MO - Missouri | 16.1% | 63% | $11,400 | Best Egg |
| NV - Nevada | 16.4% | 62% | $12,800 | Best Egg |
| TN - Tennessee | 16.4% | 63% | $11,100 | Best Egg |
| TX - Texas | 16.8% | 62% | $12,200 | Upstart |
| AK - Alaska | 16.8% | 62% | $11,800 | Upstart |
| SC - South Carolina | 17.1% | 61% | $10,400 | Best Egg |
| KY - Kentucky | 17.2% | 61% | $9,800 | Avant |
| GA - Georgia | 17.3% | 60% | $10,800 | Upstart |
| OK - Oklahoma | 17.8% | 59% | $9,900 | Avant |
| AL - Alabama | 18.4% | 58% | $9,200 | Avant |
| WV - West Virginia | 18.8% | 57% | $8,800 | Avant |
| NM - New Mexico | 18.9% | 56% | $9,100 | Avant |
| AR - Arkansas | 19.1% | 55% | $8,600 | Avant |
| LA - Louisiana | 20.1% | 53% | $8,400 | OneMain Financial |
| MS - Mississippi | 21.3% | 50% | $7,900 | OneMain Financial |
If a state keeps showing up as cheaper or more expensive, move into the full state guide so you can compare approval climate, strongest lender signals, reviews, and next steps in one place.
Avg APR 12.1% · Approval 77% · Strongest signal SoFi
Avg APR 12.4% · Approval 76% · Strongest signal SoFi
Avg APR 12.6% · Approval 75% · Strongest signal SoFi
Avg APR 12.8% · Approval 75% · Strongest signal SoFi
Avg APR 12.9% · Approval 74% · Strongest signal SoFi
These review pages help turn state pricing context into actual lender choices and monthly-payment comparisons.
One of the clearest review pages to read when you care most about lower APR.
Useful when you want to compare credit-union pricing against online lenders.
Helpful for borrowers focused on cleaner-fee and prime-style pricing.
These answers explain how to use APR state data without mistaking it for a final lender offer.
No. The heatmap is a research view that blends state pricing signals and borrower-profile assumptions. A lender must provide the actual APR before you sign any loan agreement.
Credit band, loan size, and repayment term can change pricing. The filters help you see how a stronger or weaker profile may shift the state-level estimate.
Use the payment calculator to test monthly cost, then read lender reviews to understand fees, terms, and borrower fit before moving to the form.
Yes. Your credit, income, debt, amount, lender type, and final underwriting can outweigh the state average. Treat state APR as context, not a promise.
APR heatmaps are useful for comparing pricing climate, but real offers still depend on profile, amount, term, and final lender underwriting.
The portal is built to help users research lender fit, pricing, state context, and review pages before moving to the live loan form. It is a research layer first, not a lender decision engine.
Ranked pages combine lender-profile fields such as approval signal, APR range, funding speed, minimum score, and borrower fit. The goal is to compare lenders more clearly, not to pretend every lender exposes identical public data.
Some pages contain directional modeled estimates. They are useful for narrowing choices, but they do not replace a real quote, final APR, or lender underwriting outcome.
Compare more than one lender, read review pages before applying, watch fees and net proceeds, and avoid treating any modeled result as a guaranteed approval.