Lender profile
Beginnings
Lender Live rate observations
Beginnings at a glance
Beginnings is a lender based in New York. LoanMate.ai tracks 9 published loan products from Beginnings (9 rate listings), last verified 2026-10-17. Its lowest published rate today is 5% on New auto loan. Its New auto loan rate of 5% is 0.01 points above the national median of 4.99% (across 299 lenders publishing that product). Beginnings lends in New York only.
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | — | 7.00 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (4)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-5yr | — | 5.75 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-10yr | — | 6.25 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 6.75 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | — | 7.75 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW | — | 5.00 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 5.75 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-12 | — | 6.99 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 11.25 | — | — | 2026-10-17 | Lender source ↗ |
How Beginnings compares
- #3 nationally for Unsecured personal loan · 12 months — 6.99% (of 68 lenders publishing it)
Compare all heloc rates · Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in New York
Compare with: Access, Adirondack Regional, Adirondack Trust Company, Allegany First
Common questions
What is the lowest published rate at Beginnings?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Beginnings is 5% on its New auto loan. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Beginnings lend?
Beginnings lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Beginnings's New auto loan rate compare nationally?
Beginnings publishes New auto loan at 5%. The national median for that product is 4.99% across 299 lenders in LoanMate.ai's October 17, 2026 dataset, so Beginnings is 0.01 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.