What is a good interest rate on a personal loan?

I am a college student that has no federal loan at this current time and I need to take out a personal loan for $1000.00 or so. (I only really need 800) I have excellent credit and I was wondering what a good interest rate on a personal loan is? I have looked several places, and with this economy, there's not that many good deals left.





Also, if you could tell me where you found these rates that would be great! Thank you!|||In the US, with very good credit rating you can often get a personal loan for between 10-15% interest rate. Unless you have a lot of credit history a personal unsecured loan at a good rate may be very hard to get. If you can your best bet would be to use a studant loan because they normally have very low interest rates and a long payoff period. If this is a short term loan and you have very good credit you may be able to get a 1 year 0% interest rate credit card. The catch is that if you fail to pay the card off by the end of the promotional period your rates will most likely shot up, often 29+%.|||Is your college associated with a credit union? If so, check their rates. They are often better than bank rates. Even if your college isn't directly associated with a CU, check around for ones in your area and compare. You might have to invest $50 to open a savings account to become a member and get a loan, but the savings in interest will pay that back.