Market data from late June indicates that personal finance loans interest rates remain steady at 6.9%, driving retail investors to leverage borrowed funds for high-beta stocks. The Russell 2000 index has gained 5% in the past month, hinting at increased speculative trading funded by low-cost credit lines. Michelle, who used to work as a nurse, receives $21,000 a year from long-term disability insurance. Meanwhile, her husband makes $101,000 a year and, aside from their other debts, the couple owes $315,000 on their mortgage. One way to access the value in your house is with the help of a home equity loan. You can use the funds from a home equity loan for home improvements and repairs, debt consolidation or a major purchase. Home equity loan rates are usually lower than what you might pay with a personal loan or credit card. Personal finance loans continue to influence rotational plays across the stock market. Health care sector equities have gained 8% over the last two months, with retail traders leveraging loans to capture momentum trades amidst rising demand for biotech innovation.