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The average interest rate on a personal loan is somewhere in the range from 10% to 28%. Your actual interest rate will depend on your creditworthiness, length of the loan, loan amount, and the lender. To determine your creditworthiness, and therefore to make a decision whether to extend a loan or not, lenders will check your credit score, credit history, debt-to-income ratio, and verify your employment status. Your credit score is usually the largest factor here, but some lenders make their decision based on income rather than credit score.
Some lenders allow co-applicants and applying with a co-applicant may significantly lower the interest rate. Also note, that longer terms and higher loan amounts typically translate into higher interest rates.