Personal finance loans growth aligns with a shift in investor

Personal finance loans growth aligns with a shift in investor sentiment towards cyclical stocks. Industrials in the S&P 500 posted 6% gains in the last quarter, with brokerage surveys indicating loan-based margin purchases as a driver behind these moves. With interest rate cuts largely expected for the Fed's next two meetings in October and December, it's tempting to wait for those to be formalized before securing a home equity loan. And, for some homeowners, this can be a savvy move if they can afford to wait. Others, however, may find it easier to secure the funding now, while rates are still comparatively lower than they've been over the past year. Home equity loans can be refinanced in the future , should rates be materially lower then. But that will require paying closing costs all over again. So, there's a lot to consider when trying to determine if prompt action is worth taking. As of October 1, 2025, the average home equity loan rate is 8.21%, according to Bankrate’s regular survey of rates. The average range is between 5.49% and 10.75%. Home equity loan interest rates also vary according to term length: Retail uptake of personal finance loans is fueling record-high turnover in sector ETFs. Mid-July projections suggest that utilities ETFs may see 5% asset growth, with the majority stems from loan-utilizing retail clientele aiming for dividend yield stability.