Key Lending Rates

Updated 07/29/2010
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 5.68% 3.00% 4.45% 4.19% 5.23% 5.00%
Blended Personal Loan (Medium Term) 4.70% 5.00% 4.14% 4.50% 4.50% 5.00%
Blended Personal Loan (Long Term) 3.28% - 3.59% 4.00% 4.53% 4.85%
Personal Real Estate Loan (Short Term) 8.29% 5.00% 5.17% 4.50% 5.43% 5.00%
Personal Real Estate Loan (Medium Term) 4.91% 5.00% 4.12% 5.00% 4.38% 5.00%
Personal Real Estate Loan (Long Term) 3.75% 2.50% 3.94% 4.50% 4.76% 4.63%
Personal Education Loan (Short Term) 3.43% - - - - -
Personal Education Loan (Medium Term) 4.26% 5.00% 3.66% 4.50% 2.52% 3.00%
Personal Education Loan (Long Term) 0.92% - 2.92% 2.75% 3.55% 3.50%
Personal Business Loan (Short Term) 11.12% 5.00% 6.59% 5.00% 13.62% 10.00%
Personal Business Loan (Medium Term) 5.49% 5.00% 5.54% 5.00% 6.35% 5.00%
Personal Business Loan (Long Term) 4.50% 4.50% 3.54% 4.00% 5.09% 5.00%
Personal Auto Loan (Short Term) 4.10% - 3.59% - 5.33% 1.00%
Personal Auto Loan (Medium Term) 3.48% 3.00% 4.98% 4.80% 4.11% 4.00%
Personal Auto Loan (Long Term) - - 2.30% 2.00% 3.61% 3.50%
Personal Debt Consolidation Loan (Short Term) 4.78% 5.00% 2.95% 1.00% 5.63% 5.00%
Personal Debt Consolidation Loan (Medium Term) 5.05% 5.00% 4.53% 5.00% 4.80% 5.00%
Personal Debt Consolidation Loan (Long Term) 5.00% 5.00% 3.58% 4.00% 4.21% 4.38%
Personal Discretionary Spending Loan (Short Term) 5.11% 1.50% 4.19% 1.50% 4.23% 4.00%
Personal Discretionary Spending Loan (Medium Term) 4.23% 5.00% 4.38% 4.74% 4.69% 5.00%
Personal Discretionary Spending Loan (Long Term) 2.83% 2.50% 4.47% 3.82% 4.17% 4.13%

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 07/28/2010
Loan Type This Week Last Week
Private Loan Down 7.93% 7.93%
Personal Loan Down 11.91% 11.88%
Updated 07/28/2010
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.76% 3.77%
3/1 jumbo ARM Down 3.77% 3.79%
3/1 jumbo ARM (interest only) Down 6.52% 6.64%
7/1 jumbo ARM Down 4.29% 4.30%
7/1 jumbo ARM (interest only) Down 6.38% 6.48%
10/1 jumbo ARM Down 5.01% 4.99%
2/28 ARM Down 5.19% 5.19%
3/27 ARM Down 5.21% 5.21%
2/28 ARM refi Down 5.19% 5.19%
3/27 ARM refi Down 5.21% 5.21%
40 yr fixed mtg Down 5.12% 5.12%
30 yr fixed mtg Down 4.60% 4.62%
15 yr fixed mtg Down 4.07% 4.09%
1 yr ARM Down 3.19% 3.19%
30 yr fixed jumbo mtg Down 5.42% 5.43%
30 yr FHA mtg Down 4.63% 4.63%
5/1 ARM Down 3.67% 3.64%
5/1 jumbo ARM Down 4.17% 4.19%
3/1 ARM Down 4.18% 4.20%
7/1 ARM Down 3.91% 3.89%
10/1 ARM Down 4.27% 4.20%
15 yr fixed jumbo mtg Down 4.98% 5.00%
10 yr fixed mtg Down 3.91% 3.90%
20 yr fixed mtg Down 4.38% 4.39%
3/1 ARM (interest only) Down 4.73% 4.82%
5/1 ARM (interest only) Down 3.65% 3.64%
5/1 jumbo ARM (interest only) Down 5.72% 5.77%
7/1 ARM (interest only) Down 4.02% 4.03%

bankrate.com
Updated 07/28/2010
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.76% 3.77%
3/1 jumbo ARM Down 3.77% 3.79%
3/1 jumbo ARM (interest only) Down 6.52% 6.64%
7/1 jumbo ARM Down 4.29% 4.30%
7/1 jumbo ARM (interest only) Down 6.38% 6.48%
10/1 jumbo ARM Down 5.01% 4.99%
2/28 ARM Down 5.19% 5.19%
3/27 ARM Down 5.21% 5.21%
2/28 ARM refi Down 5.19% 5.19%
3/27 ARM refi Down 5.21% 5.21%
40 yr fixed mtg Down 5.12% 5.12%
30 yr fixed mtg Down 4.60% 4.62%
15 yr fixed mtg Down 4.07% 4.09%
1 yr ARM Down 3.19% 3.19%
30 yr fixed jumbo mtg Down 5.42% 5.43%
30 yr FHA mtg Down 4.63% 4.63%
5/1 ARM Down 3.67% 3.64%
5/1 jumbo ARM Down 4.17% 4.19%
3/1 ARM Down 4.18% 4.20%
7/1 ARM Down 3.91% 3.89%
10/1 ARM Down 4.27% 4.20%
15 yr fixed jumbo mtg Down 4.98% 5.00%
10 yr fixed mtg Down 3.91% 3.90%
20 yr fixed mtg Down 4.38% 4.39%
3/1 ARM (interest only) Down 4.73% 4.82%
5/1 ARM (interest only) Down 3.65% 3.64%
5/1 jumbo ARM (interest only) Down 5.72% 5.77%
7/1 ARM (interest only) Down 4.02% 4.03%

bankrate.com
Updated 07/28/2010
Loan Type This Week Last Week
$30K HELOC FICO Down 5.05% 5.05%
$30K home equity loan FICO Down 7.53% 7.54%
$30K high LTV home equity loan FICO Down 8.17% 8.17%
$75K home equity loan FICO Down 7.42% 7.42%
$75K HELOC FICO Down 4.78% 4.79%
$50K home equity loan FICO Down 7.39% 7.39%
$50K HELOC FICO Down 4.77% 4.78%
$50K high LTV home equity loan FICO Down 6.77% 6.77%
$75K high LTV home equity loan FICO Down 6.77% 6.77%
$100K home equity loan Down 7.35% 7.35%
$100K high LTV home equity loan Down 6.75% 6.75%
$100K HELOC Down 4.62% 4.63%

bankrate.com
Updated 07/28/2010
Loan Type This Week Last Week
60 month used car loan Down 5.37% 5.37%
48 month used car loan Down 6.38% 6.39%
48 month new car loan Down 6.23% 6.24%
36 month used car loan Down 6.51% 6.51%
36 month new car loan Down 6.16% 6.17%
60 month new car loan Down 6.28% 6.29%
36 month auto refinance Down 4.93% 4.93%
48 month auto refinance Down 5.3% 5.30%
60 month auto refinance Down 5.54% 5.54%

bankrate.com
Updated 07/27/2010
Loan Type This Week Last Week
MasterCard® Credit Cards Down 16.08% 16.20%
Visa® Credit Cards Down 14.10% 14.05%
Business Cards Down 13.10% 13.03%
Cards for Bad Credit Down 17.57% 17.57%
Secured Cards Down 16.98% 16.98%
Bad Credit Down 17.27% 17.27%
Good Credit Down 14.42% 14.43%
Excellent Credit Down 14.52% 14.52%
Low Interest Cards Down 10.38% 10.35%
Balance Transfer Cards Down 15.93% 15.92%
Student Cards Down 16.75% 16.56%
Cash Back Cards Down 16.52% 16.61%
Frequent Flyer Cards Down 14.77% 14.77%
Gas Rewards Cards Down 19.50% 19.62%
Rewards Cards Down 15.74% 15.79%

bankrate.com
Updated 07/01/2010
Loan Type Annual Semi-Annual Quarterly Monthly
Short-term Loan (3 years or less) 0.63% 0.63% 0.63% 0.63%
Medium-term Loan (3-9 years) 1.97% 1.96% 1.96% 1.95%
Long-term Loan (9+ years) 3.99% 3.95% 3.93% 3.92%

View more on AFR info at IRS.gov