Key Lending Rates

Updated 10/23/2017
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 3.75% 4.00% 10.96% 5.00% 9.30% 7.00%
Blended Personal Loan (Medium Term) 8.07% 5.00% 3.74% 3.00% 3.86% 4.00%
Blended Personal Loan (Long Term) 5.00% 5.00% 3.33% - 3.92% 3.50%
Personal Real Estate Loan (Short Term) 7.50% 7.50% 30.00% 30.00% 5.31% 4.72%
Personal Real Estate Loan (Medium Term) 8.02% 5.00% 2.08% 2.05% 4.32% 4.00%
Personal Real Estate Loan (Long Term) 5.00% 5.00% 7.50% 7.50% 3.81% 3.50%
Personal Education Loan (Short Term) - - - - 1.29% 1.29%
Personal Education Loan (Medium Term) 5.00% 5.00% 5.00% 5.00% 3.82% 1.96%
Personal Education Loan (Long Term) 4.00% 4.00% 3.04% 2.58% 2.19% 2.33%
Personal Business Loan (Short Term) 5.00% 5.00% 9.00% 9.00% 7.18% 3.61%
Personal Business Loan (Medium Term) 3.64% 3.00% 5.61% 5.00% 7.49% 5.13%
Personal Business Loan (Long Term) - - - - 6.42% 6.25%
Personal Auto Loan (Short Term) 4.72% 1.65% - - - -
Personal Auto Loan (Medium Term) 3.37% 2.50% 4.11% 4.00% 6.17% 6.20%
Personal Auto Loan (Long Term) - - 1.50% 1.50% - -
Personal Debt Consolidation Loan (Short Term) 5.71% 5.00% 5.00% 5.00% 4.00% 4.00%
Personal Debt Consolidation Loan (Medium Term) 3.90% 5.00% 8.90% 10.00% 6.14% 5.00%
Personal Debt Consolidation Loan (Long Term) 5.00% 5.00% 6.66% 6.67% 3.12% 3.00%
Personal Discretionary Spending Loan (Short Term) 4.34% 5.00% 6.72% 5.00% 10.42% 6.75%
Personal Discretionary Spending Loan (Medium Term) 7.34% 5.00% 4.57% 5.00% 3.90% 4.50%
Personal Discretionary Spending Loan (Long Term) 5.00% 5.00% - - 4.00% 3.00%

Notes


  • Short term equals 2 years or less
  • Medium term equals 2 - 7 years
  • Long term equals 7+ years


  • Small Loan equals $5,000 or less
  • Medium Loan is $5,001 - $15,000
  • Jumbo Loan is $15k+


BankRate.com Averages Rates

Updated 10/20/2017
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 11.14% 11.06%
Updated 10/20/2017
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.06% 3.04%
3/1 jumbo ARM Down 4.37% 4.37%
3/1 jumbo ARM (interest only) Down 4.00% 4.00%
7/1 jumbo ARM Down 3.82% 3.99%
7/1 jumbo ARM (interest only) Down 3.32% 3.85%
10/1 jumbo ARM Down 4.15% 4.33%
2/28 ARM Down 6.63% 6.63%
3/27 ARM Down 6.75% 6.75%
2/28 ARM refi Down 6.63% 6.63%
3/27 ARM refi Down 6.75% 6.75%
40 yr fixed mtg 7.75% 0.00%
30 yr fixed mtg Down 3.86% 3.77%
15 yr fixed mtg Down 3.09% 3.01%
1 yr ARM Down 3.18% 3.17%
30 yr fixed jumbo mtg Down 4.11% 4.14%
30 yr FHA mtg Down 3.53% 3.45%
5/1 ARM Down 3.42% 3.33%
5/1 jumbo ARM Down 3.55% 3.70%
3/1 ARM Down 4.00% 3.89%
7/1 ARM Down 3.57% 3.52%
10/1 ARM Down 3.82% 3.77%
15 yr fixed jumbo mtg Down 3.71% 3.83%
10 yr fixed mtg Down 3.02% 2.94%
20 yr fixed mtg Down 3.60% 3.60%
3/1 ARM (interest only) Down 3.81% 3.64%
5/1 ARM (interest only) Down 3.88% 3.81%
5/1 jumbo ARM (interest only) Down 3.22% 3.69%
7/1 ARM (interest only) Down 4.14% 4.21%

bankrate.com
Updated 10/20/2017
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.06% 3.04%
3/1 jumbo ARM Down 4.37% 4.37%
3/1 jumbo ARM (interest only) Down 4.00% 4.00%
7/1 jumbo ARM Down 3.82% 3.99%
7/1 jumbo ARM (interest only) Down 3.32% 3.85%
10/1 jumbo ARM Down 4.15% 4.33%
2/28 ARM Down 6.63% 6.63%
3/27 ARM Down 6.75% 6.75%
2/28 ARM refi Down 6.63% 6.63%
3/27 ARM refi Down 6.75% 6.75%
40 yr fixed mtg 7.75% 0.00%
30 yr fixed mtg Down 3.86% 3.77%
15 yr fixed mtg Down 3.09% 3.01%
1 yr ARM Down 3.18% 3.17%
30 yr fixed jumbo mtg Down 4.11% 4.14%
30 yr FHA mtg Down 3.53% 3.45%
5/1 ARM Down 3.42% 3.33%
5/1 jumbo ARM Down 3.55% 3.70%
3/1 ARM Down 4.00% 3.89%
7/1 ARM Down 3.57% 3.52%
10/1 ARM Down 3.82% 3.77%
15 yr fixed jumbo mtg Down 3.71% 3.83%
10 yr fixed mtg Down 3.02% 2.94%
20 yr fixed mtg Down 3.60% 3.60%
3/1 ARM (interest only) Down 3.81% 3.64%
5/1 ARM (interest only) Down 3.88% 3.81%
5/1 jumbo ARM (interest only) Down 3.22% 3.69%
7/1 ARM (interest only) Down 4.14% 4.21%

bankrate.com
Updated 10/20/2017
Loan Type This Week Last Week
$30K HELOC FICO Down 5.03% 5.05%
$30K home equity loan FICO Down 5.68% 5.65%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 4.87% 4.96%
$75K HELOC FICO Down 5.13% 5.24%
$50K home equity loan FICO Down 4.90% 5.02%
$50K HELOC FICO Down 5.11% 5.23%
$50K high LTV home equity loan FICO Down 4.50% 4.50%
$75K high LTV home equity loan FICO Down 4.50% 4.50%
$100K home equity loan Down 5.57% 5.49%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 5.06% 5.07%

bankrate.com
Updated 10/20/2017
Loan Type This Week Last Week
60 month used car loan Down 3.14% 3.19%
48 month used car loan Down 3.09% 3.12%
48 month new car loan Down 3.01% 3.07%
36 month used car loan Down 3.11% 3.16%
36 month new car loan Down 2.71% 2.76%
60 month new car loan Down 3.32% 3.38%
36 month auto refinance Down 2.51% 2.52%
48 month auto refinance Down 2.82% 2.85%
60 month auto refinance Down 3.02% 3.04%

bankrate.com
Updated 10/20/2017
Loan Type This Week Last Week
MasterCard® Credit Cards Down 17.08% 17.08%
Visa® Credit Cards Down 16.19% 16.19%
Business Cards Down 13.91% 15.28%
Cards for Bad Credit Down 17.79% 17.19%
Secured Cards Down 17.00% 17.47%
Bad Credit Down 21.40% 21.40%
Good Credit Down 16.47% 16.47%
Excellent Credit Down 16.95% 16.95%
Low Interest Cards Down 13.42% 13.42%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 17.94% 17.94%
Frequent Flyer Cards Down 16.49% 16.49%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 17.15% 17.15%

bankrate.com
Updated 03/01/2016
Loan Type Annual Semi-Annual Quarterly Monthly
Short-term Loan (3 years or less) 0.65% 0.65% 0.65% 0.65%
Medium-term Loan (3-9 years) 1.48% 1.47% 1.47% 1.47%
Long-term Loan (9+ years) 2.33% 2.32% 2.31% 2.31%

View more on AFR info at IRS.gov