Key Lending Rates

Updated 08/15/2017
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 6.36% 4.50% 7.83% 3.50% 9.42% 11.00%
Blended Personal Loan (Medium Term) 6.20% 5.00% 5.03% 5.00% 3.79% 4.00%
Blended Personal Loan (Long Term) 5.00% 5.00% 3.38% 1.75% 6.08% 3.50%
Personal Real Estate Loan (Short Term) 2.67% 0.50% 2.33% 2.00% 8.39% 10.00%
Personal Real Estate Loan (Medium Term) 6.25% 5.00% 4.57% 5.00% 3.99% 4.00%
Personal Real Estate Loan (Long Term) - - 10.00% 10.00% 5.65% 3.63%
Personal Education Loan (Short Term) - - - - 1.29% 1.29%
Personal Education Loan (Medium Term) 14.50% 14.50% 4.72% 4.72% 2.95% 3.00%
Personal Education Loan (Long Term) 4.50% 4.50% 3.19% 2.58% 2.36% 2.33%
Personal Business Loan (Short Term) 6.00% 6.00% 10.00% 10.00% 4.86% 4.00%
Personal Business Loan (Medium Term) 6.00% 5.00% 6.00% 5.00% 8.15% 8.00%
Personal Business Loan (Long Term) - - - - 3.90% 3.50%
Personal Auto Loan (Short Term) 3.67% 4.00% 1.50% 1.50% 5.00% 5.00%
Personal Auto Loan (Medium Term) 3.02% 2.62% 4.68% 4.09% 6.95% 6.95%
Personal Auto Loan (Long Term) - - - - - -
Personal Debt Consolidation Loan (Short Term) 2.50% 2.50% 5.00% 5.00% 3.00% 3.00%
Personal Debt Consolidation Loan (Medium Term) 4.43% 5.00% 6.77% 2.00% 5.70% 5.00%
Personal Debt Consolidation Loan (Long Term) - - 6.52% 6.53% 3.47% 3.00%
Personal Discretionary Spending Loan (Short Term) 9.12% 5.00% 13.33% 8.00% 7.86% 9.24%
Personal Discretionary Spending Loan (Medium Term) 5.71% 5.00% 5.65% 4.00% 3.66% 3.50%
Personal Discretionary Spending Loan (Long Term) 5.00% 5.00% 1.17% - 4.37% 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 08/14/2017
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 10.85% 11.00%
Updated 08/14/2017
Loan Type This Week Last Week
1 yr jumbo ARM Down 2.95% 2.98%
3/1 jumbo ARM Down 4.62% 4.43%
3/1 jumbo ARM (interest only) Down 3.72% 3.85%
7/1 jumbo ARM Down 3.60% 3.58%
7/1 jumbo ARM (interest only) Down 3.58% 3.52%
10/1 jumbo ARM Down 3.94% 3.94%
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 3.77% 3.80%
15 yr fixed mtg Down 2.97% 2.99%
1 yr ARM Down 3.12% 3.13%
30 yr fixed jumbo mtg Down 4.11% 4.09%
30 yr FHA mtg Down 3.48% 3.44%
5/1 ARM Down 3.15% 3.13%
5/1 jumbo ARM Down 3.36% 3.35%
3/1 ARM Down 3.26% 3.31%
7/1 ARM Down 3.29% 3.32%
10/1 ARM Down 3.49% 3.51%
15 yr fixed jumbo mtg Down 3.68% 3.72%
10 yr fixed mtg Down 2.88% 2.87%
20 yr fixed mtg Down 3.59% 3.61%
3/1 ARM (interest only) Down 3.17% 3.29%
5/1 ARM (interest only) Down 3.61% 3.37%
5/1 jumbo ARM (interest only) Down 3.37% 3.33%
7/1 ARM (interest only) Down 4.40% 4.40%

bankrate.com
Updated 08/14/2017
Loan Type This Week Last Week
1 yr jumbo ARM Down 2.95% 2.98%
3/1 jumbo ARM Down 4.62% 4.43%
3/1 jumbo ARM (interest only) Down 3.72% 3.85%
7/1 jumbo ARM Down 3.60% 3.58%
7/1 jumbo ARM (interest only) Down 3.58% 3.52%
10/1 jumbo ARM Down 3.94% 3.94%
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 3.77% 3.80%
15 yr fixed mtg Down 2.97% 2.99%
1 yr ARM Down 3.12% 3.13%
30 yr fixed jumbo mtg Down 4.11% 4.09%
30 yr FHA mtg Down 3.48% 3.44%
5/1 ARM Down 3.15% 3.13%
5/1 jumbo ARM Down 3.36% 3.35%
3/1 ARM Down 3.26% 3.31%
7/1 ARM Down 3.29% 3.32%
10/1 ARM Down 3.49% 3.51%
15 yr fixed jumbo mtg Down 3.68% 3.72%
10 yr fixed mtg Down 2.88% 2.87%
20 yr fixed mtg Down 3.59% 3.61%
3/1 ARM (interest only) Down 3.17% 3.29%
5/1 ARM (interest only) Down 3.61% 3.37%
5/1 jumbo ARM (interest only) Down 3.37% 3.33%
7/1 ARM (interest only) Down 4.40% 4.40%

bankrate.com
Updated 08/14/2017
Loan Type This Week Last Week
$30K HELOC FICO Down 5.02% 5.05%
$30K home equity loan FICO Down 5.18% 5.18%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 4.58% 4.63%
$75K HELOC FICO Down 4.89% 4.93%
$50K home equity loan FICO Down 4.61% 4.66%
$50K HELOC FICO Down 4.89% 4.91%
$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 4.92% 4.91%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 4.71% 4.74%

bankrate.com
Updated 08/14/2017
Loan Type This Week Last Week
60 month used car loan Down 3.08% 3.06%
48 month used car loan Down 3% 2.99%
48 month new car loan Down 2.87% 2.88%
36 month used car loan Down 3.03% 3.05%
36 month new car loan Down 2.53% 2.56%
60 month new car loan Down 3.11% 3.13%
36 month auto refinance Down 2.5% 2.50%
48 month auto refinance Down 2.78% 2.78%
60 month auto refinance Down 2.97% 2.97%

bankrate.com
Updated 08/14/2017
Loan Type This Week Last Week
MasterCard® Credit Cards Down 17.12% 17.12%
Visa® Credit Cards Down 16.14% 16.11%
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 16.46% 16.43%
Excellent Credit Down 16.93% 16.90%
Low Interest Cards Down 13.40% 13.36%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 17.91% 17.90%
Frequent Flyer Cards Down 16.46% 16.46%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 17.11% 17.09%

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