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The average interest rate on a 5-year, fixed rate personal loan fell from 16.51% the week of Aug. 30 to 15.3% the week of Sept. 6, according to the latest rates data from Credible. However, the average rate on a 3-year-fixed rate personal loan rose slightly from 11.72%, to 11.97%. That said, the rate you’ll personally get on a personal loan