{
  "source": "RevenueLab",
  "source_url": "https://www.revenuelab.fyi",
  "dataset": "debt_credit_benchmarks",
  "hub_url": "https://www.revenuelab.fyi/debt-payoff-calculators",
  "updated": "2026-09-04",
  "license": "CC BY 4.0 with attribution to RevenueLab.fyi",
  "citation": "RevenueLab — US debt and credit benchmarks 2026 (https://www.revenuelab.fyi/api/public/debt-credit-benchmarks.json)",
  "notes": "APRs are typical offers for a borrower with clean recent history at each FICO band; actual offers move with income, term and lender. Thresholds are the decision cut-points RevenueLab's debt calculators score against.",
  "apr_by_credit_tier": [
    {
      "tier": "Deep subprime",
      "score_range": "300–579",
      "credit_card_apr": 30.9,
      "personal_loan_apr": 32,
      "auto_loan_apr_used": 21.5,
      "mortgage_apr": 9.4
    },
    {
      "tier": "Subprime",
      "score_range": "580–619",
      "credit_card_apr": 29.4,
      "personal_loan_apr": 26.5,
      "auto_loan_apr_used": 18.6,
      "mortgage_apr": 8.3
    },
    {
      "tier": "Near prime",
      "score_range": "620–659",
      "credit_card_apr": 27.8,
      "personal_loan_apr": 21,
      "auto_loan_apr_used": 14.2,
      "mortgage_apr": 7.5
    },
    {
      "tier": "Prime",
      "score_range": "660–719",
      "credit_card_apr": 24.2,
      "personal_loan_apr": 15.5,
      "auto_loan_apr_used": 10.4,
      "mortgage_apr": 6.9
    },
    {
      "tier": "Super prime",
      "score_range": "720–779",
      "credit_card_apr": 20.4,
      "personal_loan_apr": 11.8,
      "auto_loan_apr_used": 8.1,
      "mortgage_apr": 6.5
    },
    {
      "tier": "Exceptional",
      "score_range": "780–850",
      "credit_card_apr": 18.2,
      "personal_loan_apr": 9.4,
      "auto_loan_apr_used": 6.9,
      "mortgage_apr": 6.2
    }
  ],
  "decision_thresholds": [
    {
      "rule": "Credit utilization",
      "slug": "credit-utilization-calculator",
      "threshold": "Under 30% overall, under 10% for top scores",
      "why": "Utilization is ~30% of a FICO score and resets every statement cycle.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/credit-utilization-calculator"
    },
    {
      "rule": "Debt-to-income for a mortgage",
      "slug": "debt-to-income-ratio-calculator",
      "threshold": "36% conventional, 43% typical cap, 50% with compensating factors",
      "why": "Above 43% most automated underwriting systems stop approving.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/debt-to-income-ratio-calculator"
    },
    {
      "rule": "Balance transfer breakeven",
      "slug": "balance-transfer-savings-calculator",
      "threshold": "Worth it if interest saved > 3–5% transfer fee",
      "why": "A 0% window only pays if the balance clears before the promo ends.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/balance-transfer-savings-calculator"
    },
    {
      "rule": "Consolidation loan test",
      "slug": "debt-consolidation-loan-calculator",
      "threshold": "New APR at least 5 points under the blended current APR",
      "why": "A longer term at a small rate cut raises total interest paid.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/debt-consolidation-loan-calculator"
    },
    {
      "rule": "Collections settlement range",
      "slug": "collections-settlement-offer-calculator",
      "threshold": "40–60% of balance on charged-off debt",
      "why": "Agencies buy paper for pennies; the first offer is never their floor.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/collections-settlement-offer-calculator"
    },
    {
      "rule": "Wage garnishment cap",
      "slug": "wage-garnishment-calculator",
      "threshold": "25% of disposable pay, or pay above 30× federal minimum wage",
      "why": "Federal CCPA limit; several states cap lower.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/wage-garnishment-calculator"
    },
    {
      "rule": "Emergency fund vs extra payoff",
      "slug": "emergency-fund-vs-debt-payoff-calculator",
      "threshold": "One month of expenses first, then attack debt above ~8% APR",
      "why": "Without a buffer, the next surprise goes straight back on the card.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/emergency-fund-vs-debt-payoff-calculator"
    },
    {
      "rule": "Avalanche vs snowball",
      "slug": "debt-avalanche-vs-snowball-calculator",
      "threshold": "Avalanche saves money; snowball wins if a quick payoff keeps you going",
      "why": "The gap is usually a few hundred dollars — completion rate matters more.",
      "calculator_url": "https://www.revenuelab.fyi/toolbox/debt-avalanche-vs-snowball-calculator"
    }
  ]
}