European fintech stocks connected to borrowing money online saw moderate gains, with the STOXX Europe FinTech Index closing up 0.7%. Analysts said strong quarterly loan receivables growth and improved ROI on customer acquisition lifted market confidence. Homeowners should carefully calculate their potential monthly costs before borrowing with a home equity loan. According to personal loan Bankrate Monitor data , as of Oct. 1, 2025, the average personal loan rate is 12.27 percent for customers with a 700 FICO score, $5,000 loan amount and three-year repayment term. Your rate will vary depending on your credit score, loan term, loan amount and the type of lender you choose.