federal funds rate Archives

Repo Rate Changes and Your EMI: How Central Bank Decisions Affect Your Loan

October 13, 2026 by Ch Arbsz

Borrower reviewing a monthly loan payment after repo rate changes and a central bank rate decision

Repo Rate Changes and Your EMI: How Central Bank Decisions Affect Your Loan Your monthly loan payment can creep up without you borrowing a single extra dollar, and repo rate changes are often the reason. When a central bank moves its policy rate, the cost of borrowing shifts across the whole economy. In the US, … Read more

What Does a Higher Federal Funds Rate Mean for Personal Loans?

September 19, 2026September 19, 2026 by Ch Arbsz

When the Federal Reserve changes its benchmark interest rate, borrowers may wonder how the decision could affect personal loans. The federal funds rate does not directly determine the interest rate on a personal loan, but changes in monetary policy can influence broader borrowing costs. On September 16, 2026, the Federal Reserve raised the target range … Read more

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