Lender profile
Thinkwise
Lender Live rate observations
Thinkwise at a glance
Thinkwise is a lender based in California. LoanMate.ai tracks 10 published loan products from Thinkwise (10 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.49% on New auto loan · 36 months. Its New auto loan · 36 months rate of 4.49% is 0.46 points below the national median of 4.95% (across 136 lenders publishing that product). Thinkwise lends in California only.
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | — | 7.00 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-36 | — | 4.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-48 | — | 4.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-60 | — | 4.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (4)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-LINE | — | 10.99 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-36 | — | 11.50 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-48 | — | 12.25 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 13.50 | — | — | 2026-10-17 | Lender source ↗ |
How Thinkwise compares
Compare all heloc rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in California
Compare with: 1St Northern California, 1St United, Aerospace, Altura
Common questions
What is the lowest published rate at Thinkwise?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Thinkwise is 4.49% on its New auto loan · 36 months. 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 Thinkwise lend?
Thinkwise lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Thinkwise's New auto loan · 36 months rate compare nationally?
Thinkwise publishes New auto loan · 36 months at 4.49%. The national median for that product is 4.95% across 136 lenders in LoanMate.ai's October 17, 2026 dataset, so Thinkwise is 0.46 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.