You don't need to be in the top 10%, you just need to be likely to be able to repay your loans.

Government subsidizes home loans, student loans, and small business loans to the tune of hundreds of billions of dollars a year through the Fed's asset purchase program. The reason broke people can't get anything better than a 10%+ APR credit card is because they're so unlikely to repay the loan that the issuer has to charge that much interest to break even.

I actually took a look at my banking app and I'm offered "personal loans" up to $20k at under 6%, which is actually incredible considering this is an unsecured loan to a random person.