Key Lending Rates

Updated 06/22/2017
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 4.60% 2.71% 6.64% 4.00% 4.36% 3.50%
Blended Personal Loan (Medium Term) 5.98% 5.00% 7.48% 5.00% 5.46% 4.75%
Blended Personal Loan (Long Term) 5.00% 5.00% 5.00% 5.00% 3.82% 3.00%
Personal Real Estate Loan (Short Term) 3.50% 1.50% 4.50% 5.00% 6.79% 5.00%
Personal Real Estate Loan (Medium Term) 5.31% 5.00% 5.92% 5.00% 4.45% 4.00%
Personal Real Estate Loan (Long Term) 5.00% 5.00% - - 3.78% 3.25%
Personal Education Loan (Short Term) - - - - - -
Personal Education Loan (Medium Term) 3.88% 4.50% 3.86% 3.86% 3.00% 3.00%
Personal Education Loan (Long Term) - - 2.25% 2.25% 2.06% 2.33%
Personal Business Loan (Short Term) 8.00% 4.00% 10.00% 10.00% 5.59% 5.13%
Personal Business Loan (Medium Term) 4.60% 5.00% 11.00% 5.00% 9.86% 8.00%
Personal Business Loan (Long Term) 5.00% 5.00% - - 4.79% 4.00%
Personal Auto Loan (Short Term) 3.40% 3.00% - - 5.00% 5.00%
Personal Auto Loan (Medium Term) 4.40% 5.00% 6.18% 5.00% 3.38% 3.50%
Personal Auto Loan (Long Term) - - - - - -
Personal Debt Consolidation Loan (Short Term) 2.50% 2.50% - - 12.50% 12.50%
Personal Debt Consolidation Loan (Medium Term) 5.43% 5.00% 4.32% 3.00% 8.06% 2.00%
Personal Debt Consolidation Loan (Long Term) - - 2.05% 2.05% 3.11% 2.78%
Personal Discretionary Spending Loan (Short Term) 5.34% 5.00% 8.07% 2.00% 1.42% 0.85%
Personal Discretionary Spending Loan (Medium Term) 6.45% 5.00% 7.03% 5.00% 5.13% 4.50%
Personal Discretionary Spending Loan (Long Term) - - 5.00% 5.00% 4.43% 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 06/21/2017
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 11.00% 10.98%
Updated 06/21/2017
Loan Type This Week Last Week
1 yr jumbo ARM Down 2.98% 3.00%
3/1 jumbo ARM Down 4.49% 4.12%
3/1 jumbo ARM (interest only) Down 3.53% 3.53%
7/1 jumbo ARM Down 3.60% 3.52%
7/1 jumbo ARM (interest only) Down 3.44% 3.42%
10/1 jumbo ARM Down 3.81% 3.81%
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 3.80% 3.79%
15 yr fixed mtg Down 3.02% 3.01%
1 yr ARM Down 3.05% 3.12%
30 yr fixed jumbo mtg Down 4.24% 4.20%
30 yr FHA mtg Down 3.44% 3.41%
5/1 ARM Down 3.14% 3.17%
5/1 jumbo ARM Down 3.35% 3.34%
3/1 ARM Down 3.68% 3.56%
7/1 ARM Down 3.30% 3.30%
10/1 ARM Down 3.56% 3.50%
15 yr fixed jumbo mtg Down 3.81% 3.78%
10 yr fixed mtg Down 2.88% 2.85%
20 yr fixed mtg Down 3.67% 3.75%
3/1 ARM (interest only) Down 3.29% 3.29%
5/1 ARM (interest only) Down 3.37% 3.38%
5/1 jumbo ARM (interest only) Down 3.28% 3.19%
7/1 ARM (interest only) Down 4.50% 4.50%

bankrate.com
Updated 06/21/2017
Loan Type This Week Last Week
1 yr jumbo ARM Down 2.98% 3.00%
3/1 jumbo ARM Down 4.49% 4.12%
3/1 jumbo ARM (interest only) Down 3.53% 3.53%
7/1 jumbo ARM Down 3.60% 3.52%
7/1 jumbo ARM (interest only) Down 3.44% 3.42%
10/1 jumbo ARM Down 3.81% 3.81%
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 3.80% 3.79%
15 yr fixed mtg Down 3.02% 3.01%
1 yr ARM Down 3.05% 3.12%
30 yr fixed jumbo mtg Down 4.24% 4.20%
30 yr FHA mtg Down 3.44% 3.41%
5/1 ARM Down 3.14% 3.17%
5/1 jumbo ARM Down 3.35% 3.34%
3/1 ARM Down 3.68% 3.56%
7/1 ARM Down 3.30% 3.30%
10/1 ARM Down 3.56% 3.50%
15 yr fixed jumbo mtg Down 3.81% 3.78%
10 yr fixed mtg Down 2.88% 2.85%
20 yr fixed mtg Down 3.67% 3.75%
3/1 ARM (interest only) Down 3.29% 3.29%
5/1 ARM (interest only) Down 3.37% 3.38%
5/1 jumbo ARM (interest only) Down 3.28% 3.19%
7/1 ARM (interest only) Down 4.50% 4.50%

bankrate.com
Updated 06/21/2017
Loan Type This Week Last Week
$30K HELOC FICO Down 4.96% 4.91%
$30K home equity loan FICO Down 5.23% 5.23%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 4.66% 4.66%
$75K HELOC FICO Down 4.85% 4.76%
$50K home equity loan FICO Down 4.69% 4.68%
$50K HELOC FICO Down 4.83% 4.74%
$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 4.89% 4.89%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 4.66% 4.57%

bankrate.com
Updated 06/21/2017
Loan Type This Week Last Week
60 month used car loan Down 3.14% 3.57%
48 month used car loan Down 3.08% 3.50%
48 month new car loan Down 3.08% 3.08%
36 month used car loan Down 3.28% 3.61%
36 month new car loan Down 2.86% 2.86%
60 month new car loan Down 3.23% 3.23%
36 month auto refinance Down 2.63% 2.63%
48 month auto refinance Down 2.8% 2.80%
60 month auto refinance Down 2.91% 2.91%

bankrate.com
Updated 06/21/2017
Loan Type This Week Last Week
MasterCard® Credit Cards Down 17.03% 16.98%
Visa® Credit Cards Down 16.07% 16.02%
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 16.36% 16.31%
Excellent Credit Down 16.78% 16.73%
Low Interest Cards Down 13.28% 13.21%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 17.73% 17.70%
Frequent Flyer Cards Down 16.74% 16.67%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 17.00% 16.96%

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