If you're planning to borrow or refinance a loan soon, you may be wondering what's in store for 2026. While nothing is set in stone, experts expect loan rates to decrease slightly in 2026 — but not dramatically. Interest rates are unlikely to return to the rock-bottom numbers of a few years ago, but even a modest decline could lower your borrowing costs. A rate decrease could save you hundreds or even thousands of dollars in interest charges on a personal loan, car loan, or student loan. Understanding wh ...

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