Lender profile
Next Step
Lender Live rate observations
Next Step at a glance
Next Step is a lender based in New York. LoanMate.ai tracks 9 published loan products from Next Step (11 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.79% on Used auto loan. Its 30-year fixed rate of 6.875% is 0.125 points below the national median of 7% (across 233 lenders publishing that product). Next Step lends in New York only.
Purchase mortgage (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 7/1ARM | 5.750 | 6.573 | 0 | — | 2026-10-17 | Lender source ↗ |
| 10/1ARM | 5.990 | 6.534 | 0 | — | 2026-10-17 | Lender source ↗ |
| 15FP | 6.250 | 6.520 | 0 | — | 2026-10-17 | Lender source ↗ |
| 20FP | 6.500 | 6.720 | 0 | — | 2026-10-17 | Lender source ↗ |
| 30FP | 6.875 | 7.049 | 0 | — | 2026-10-17 | Lender source ↗ |
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC-INTRO | — | 5.74 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL | — | 5.49 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL | — | 6.74 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-USED | — | 4.79 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 7.29 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC | — | 8.99 | — | — | 2026-10-17 | Lender source ↗ |
Common questions
What is the lowest published rate at Next Step?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Next Step is 4.79% on its Used 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 Next Step lend?
Next Step lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Next Step's 30-year fixed rate compare nationally?
Next Step publishes 30-year fixed at 6.875%. The national median for that product is 7% across 233 lenders in LoanMate.ai's October 17, 2026 dataset, so Next Step is 0.125 points below 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.