Key Lending Rates

Updated 10/23/2018
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 9.63% 10.00% 4.86% 5.00% 7.50% 5.50%
Blended Personal Loan (Medium Term) 6.82% 5.00% 4.40% 5.00% 4.27% 5.00%
Blended Personal Loan (Long Term) - - 2.25% 2.25% 4.29% 3.75%
Personal Real Estate Loan (Short Term) 5.00% 5.00% 5.00% 5.00% 5.10% 4.00%
Personal Real Estate Loan (Medium Term) 6.90% 5.00% 3.26% 3.53% 3.19% 3.00%
Personal Real Estate Loan (Long Term) - - 2.25% 2.25% 3.79% 3.25%
Personal Education Loan (Short Term) 5.00% 5.00% - - 20.00% 20.00%
Personal Education Loan (Medium Term) 11.84% 11.84% 3.42% 4.00% 5.79% 4.18%
Personal Education Loan (Long Term) - - 4.52% 4.00% 8.25% 3.00%
Personal Business Loan (Short Term) 11.81% 10.43% 10.00% 10.00% 17.38% 17.38%
Personal Business Loan (Medium Term) 13.75% 12.50% 7.75% 7.00% 6.28% 4.70%
Personal Business Loan (Long Term) - - - - 2.85% 2.85%
Personal Auto Loan (Short Term) 5.00% 5.00% 2.00% 2.00% - -
Personal Auto Loan (Medium Term) 4.25% 4.50% 7.02% 5.00% 5.02% 5.00%
Personal Auto Loan (Long Term) - - 5.00% 5.00% 3.38% 3.38%
Personal Debt Consolidation Loan (Short Term) 2.63% 1.50% - - - -
Personal Debt Consolidation Loan (Medium Term) 5.14% 5.14% 5.60% 3.56% 4.46% 2.87%
Personal Debt Consolidation Loan (Long Term) - - 3.00% 3.00% 3.40% 3.00%
Personal Discretionary Spending Loan (Short Term) 8.02% 6.55% 4.83% 5.50% 7.40% 5.00%
Personal Discretionary Spending Loan (Medium Term) 6.45% 5.00% 7.01% 5.00% 4.83% 5.00%
Personal Discretionary Spending Loan (Long Term) - - 5.00% 5.00% 4.51% 4.00%

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 10/22/2018
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 11.72% 11.71%
Updated 10/22/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 4.30% 4.31%
3/1 jumbo ARM Down 4.74% 4.61%
3/1 jumbo ARM (interest only) Down 3.88% 3.88%
7/1 jumbo ARM Down 4.33% 4.24%
7/1 jumbo ARM (interest only) Down 4.21% 4.14%
10/1 jumbo ARM Down 4.62% 4.51%
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 4.75% 4.75%
15 yr fixed mtg Down 4.11% 4.03%
1 yr ARM Down 4.08% 3.97%
30 yr fixed jumbo mtg Down 4.87% 4.81%
30 yr FHA mtg Down 4.53% 4.42%
5/1 ARM Down 4.37% 4.32%
5/1 jumbo ARM Down 4.25% 4.16%
3/1 ARM Down 5.13% 5.06%
7/1 ARM Down 4.52% 4.46%
10/1 ARM Down 4.77% 4.75%
15 yr fixed jumbo mtg Down 4.64% 4.59%
10 yr fixed mtg Down 4.05% 3.94%
20 yr fixed mtg Down 4.59% 4.53%
3/1 ARM (interest only) Down 5.50% 5.50%
5/1 ARM (interest only) Down 4.03% 4.06%
5/1 jumbo ARM (interest only) Down 4.10% 4.06%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 10/22/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 4.30% 4.31%
3/1 jumbo ARM Down 4.74% 4.61%
3/1 jumbo ARM (interest only) Down 3.88% 3.88%
7/1 jumbo ARM Down 4.33% 4.24%
7/1 jumbo ARM (interest only) Down 4.21% 4.14%
10/1 jumbo ARM Down 4.62% 4.51%
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 4.75% 4.75%
15 yr fixed mtg Down 4.11% 4.03%
1 yr ARM Down 4.08% 3.97%
30 yr fixed jumbo mtg Down 4.87% 4.81%
30 yr FHA mtg Down 4.53% 4.42%
5/1 ARM Down 4.37% 4.32%
5/1 jumbo ARM Down 4.25% 4.16%
3/1 ARM Down 5.13% 5.06%
7/1 ARM Down 4.52% 4.46%
10/1 ARM Down 4.77% 4.75%
15 yr fixed jumbo mtg Down 4.64% 4.59%
10 yr fixed mtg Down 4.05% 3.94%
20 yr fixed mtg Down 4.59% 4.53%
3/1 ARM (interest only) Down 5.50% 5.50%
5/1 ARM (interest only) Down 4.03% 4.06%
5/1 jumbo ARM (interest only) Down 4.10% 4.06%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 10/22/2018
Loan Type This Week Last Week
$30K HELOC FICO Down 1.99% 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 2.93% 2.93%
$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 3.70% 3.70%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 2.93% 2.93%

bankrate.com
Updated 10/22/2018
Loan Type This Week Last Week
60 month used car loan Down 4.36% 4.34%
48 month used car loan Down 4.54% 4.52%
48 month new car loan Down 4.54% 4.53%
36 month used car loan Down 4.49% 4.47%
36 month new car loan Down 4.48% 4.46%
60 month new car loan Down 4.71% 4.69%
36 month auto refinance Down 3.75% 3.75%
48 month auto refinance Down 2.51% 2.51%
60 month auto refinance Down 3% 3.00%

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