Key Lending Rates

Updated 01/20/2019
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 4.70% 3.00% 8.79% 2.50% 6.33% 3.00%
Blended Personal Loan (Medium Term) 6.67% 5.00% 4.88% 5.00% 4.75% 4.00%
Blended Personal Loan (Long Term) - - 2.11% 2.11% 3.98% 4.00%
Personal Real Estate Loan (Short Term) 2.50% 2.50% - - 6.13% 3.00%
Personal Real Estate Loan (Medium Term) 7.14% 5.00% 5.36% 5.00% 5.03% 4.00%
Personal Real Estate Loan (Long Term) - - - - 4.30% 4.00%
Personal Education Loan (Short Term) - - - - - -
Personal Education Loan (Medium Term) 5.00% 5.00% 2.53% - - -
Personal Education Loan (Long Term) - - 4.50% 4.50% 3.08% 2.85%
Personal Business Loan (Short Term) 8.33% 5.00% 10.00% 10.00% 3.47% 2.70%
Personal Business Loan (Medium Term) 26.50% 26.50% 8.17% 5.00% 7.13% 6.50%
Personal Business Loan (Long Term) - - - - 5.03% 4.01%
Personal Auto Loan (Short Term) 7.00% 5.00% - - - -
Personal Auto Loan (Medium Term) 8.88% 6.00% 5.58% - 4.50% 4.50%
Personal Auto Loan (Long Term) - - - - 3.00% 3.00%
Personal Debt Consolidation Loan (Short Term) 9.38% 7.75% - - 1.52% 1.52%
Personal Debt Consolidation Loan (Medium Term) 3.91% 3.82% 2.79% 2.50% 4.90% 6.00%
Personal Debt Consolidation Loan (Long Term) - - 2.64% 2.64% 4.62% 5.00%
Personal Discretionary Spending Loan (Short Term) 5.22% 4.00% 8.19% 3.25% 3.00% 3.00%
Personal Discretionary Spending Loan (Medium Term) 6.50% 5.00% 4.16% 3.48% 4.36% 3.36%
Personal Discretionary Spending Loan (Long Term) - - 2.11% 2.11% 3.55% 3.30%

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 01/18/2019
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 11.45% 11.46%
Updated 01/18/2019
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.94% 3.93%
3/1 jumbo ARM Down 4.37% 4.32%
3/1 jumbo ARM (interest only) Down 3.38% 3.25%
7/1 jumbo ARM Down 3.91% 3.89%
7/1 jumbo ARM (interest only) Down 4.35% 4.04%
10/1 jumbo ARM Down 4.14% 4.08%
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 4.48% 4.43%
15 yr fixed mtg Down 3.73% 3.75%
1 yr ARM Down 3.98% 4.06%
30 yr fixed jumbo mtg Down 4.46% 4.40%
30 yr FHA mtg Down 4.06% 3.98%
5/1 ARM Down 4.07% 3.99%
5/1 jumbo ARM Down 3.91% 3.83%
3/1 ARM Down 4.68% 4.52%
7/1 ARM Down 4.20% 4.09%
10/1 ARM Down 4.41% 4.30%
15 yr fixed jumbo mtg Down 4.17% 4.14%
10 yr fixed mtg Down 3.72% 3.66%
20 yr fixed mtg Down 4.39% 4.38%
3/1 ARM (interest only) Down 3.69% 3.56%
5/1 ARM (interest only) Down 4.02% 3.95%
5/1 jumbo ARM (interest only) Down 4.02% 3.90%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 01/18/2019
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.94% 3.93%
3/1 jumbo ARM Down 4.37% 4.32%
3/1 jumbo ARM (interest only) Down 3.38% 3.25%
7/1 jumbo ARM Down 3.91% 3.89%
7/1 jumbo ARM (interest only) Down 4.35% 4.04%
10/1 jumbo ARM Down 4.14% 4.08%
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 4.48% 4.43%
15 yr fixed mtg Down 3.73% 3.75%
1 yr ARM Down 3.98% 4.06%
30 yr fixed jumbo mtg Down 4.46% 4.40%
30 yr FHA mtg Down 4.06% 3.98%
5/1 ARM Down 4.07% 3.99%
5/1 jumbo ARM Down 3.91% 3.83%
3/1 ARM Down 4.68% 4.52%
7/1 ARM Down 4.20% 4.09%
10/1 ARM Down 4.41% 4.30%
15 yr fixed jumbo mtg Down 4.17% 4.14%
10 yr fixed mtg Down 3.72% 3.66%
20 yr fixed mtg Down 4.39% 4.38%
3/1 ARM (interest only) Down 3.69% 3.56%
5/1 ARM (interest only) Down 4.02% 3.95%
5/1 jumbo ARM (interest only) Down 4.02% 3.90%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 01/18/2019
Loan Type This Week Last Week
$30K HELOC FICO Down 2.15% 1.99%
$30K home equity loan FICO Down 4.24% 4.24%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 3.49% 3.49%
$75K HELOC FICO Down 1.99% 1.99%
$50K home equity loan FICO Down 3.49% 3.49%
$50K HELOC FICO Down 3.05% 3.05%
$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 3.71% 3.71%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 3.05% 3.05%

bankrate.com
Updated 01/18/2019
Loan Type This Week Last Week
60 month used car loan Down 4.93% 4.93%
48 month used car loan Down 5.05% 5.06%
48 month new car loan Down 4.65% 4.61%
36 month used car loan Down 5.04% 5.02%
36 month new car loan Down 4.6% 4.55%
60 month new car loan Down 4.79% 4.75%
36 month auto refinance Down 3.25% 3.25%
48 month auto refinance Down 3.5% 3.50%
60 month auto refinance Down 3.99% 3.99%

bankrate.com
Updated 09/18/2018
Loan Type This Week Last Week
MasterCard® Credit Cards Down 17.57% 17.61%
Visa® Credit Cards Down 16.81% 16.81%
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 17.09% 17.09%
Excellent Credit Down 17.57% 17.57%
Low Interest Cards Down 14.43% 14.43%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 18.21% 18.21%
Frequent Flyer Cards Down 17.60% 17.60%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 17.72% 17.72%

bankrate.com
Updated 12/01/2017
Loan Type Annual Semi-Annual Quarterly Monthly
Short-term Loan (3 years or less) 1.52% 1.51% 1.51% 1.51%
Medium-term Loan (3-9 years) 2.11% 2.10% 2.09% 2.09%
Long-term Loan (9+ years) 2.64% 2.62% 2.61% 2.61%

View more on AFR info at IRS.gov