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Cash Out Refinancing Rates Interest Rates 10 Year Good Interest Rate For Home For 2019, the average personal loan interest rates are between 10% to 28%. Click to find out more about what affects your interest rate and what rates you can expect based on your credit score and the lender you choose.A 10-year fixed-rate mortgage maintains the same interest rate and monthly payment over the 10-year loan period. A 10 year fixed-rate mortgage allows the borrower to pay off the mortgage faster and typically has a low interest rate. But monthly payments are higher than with fixed rate mortgages that have longer terms.