Interest rates are highly personal, and they're constantly in flux as the broader interest rate environment shifts. An interest rate that you could get on a PACE loan today might not be the same rate you could get next week. In general, PACE loans have lower rates than other types of loans, because they are attached to the property itself, which means there's less risk of default. The less risk a lender perceives, the lower the interest rate you can expect to pay for the loan.