IS 14.9 percent APR GOOD

1. Compare by credit type

Credit cards:

Average APRs for standard credit cards in 2025 are roughly 16–24%, so 14.9% is slightly below average—not bad.

Low-interest cards may be 8–12%, so 14.9% isn’t Excellent but acceptable.

Personal loans:

Personal loan APRs vary widely: 6–36% depending on credit score.

14.9% is moderate, not terrible, but not “great.”

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