Current Rates: May 2025 AFR rates are loaded. Update monthly with new IRS published rates.
What are Applicable Federal Rates (AFR)?
AFR rates are minimum interest rates set by the IRS for private loans to avoid tax implications. These rates are published monthly and vary by loan term:
Short-term
3 years or less
Mid-term
Over 3 to 9 years
Long-term
Over 9 years
Loan Amount:
Loan Term:
AFR Category:
Applied AFR Rate:
Monthly Payment: