Key Lending Rates

Updated 02/20/2017
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 6.32% 5.00% 42.97% 25.00% 20.68% 10.00%
Blended Personal Loan (Medium Term) 7.11% 5.00% 5.33% 5.00% 4.98% 4.50%
Blended Personal Loan (Long Term) 4.25% 4.25% - - 3.85% 3.75%
Personal Real Estate Loan (Short Term) 8.47% 7.50% - - 27.31% 10.88%
Personal Real Estate Loan (Medium Term) 6.64% 5.00% 5.96% 5.00% 4.62% 4.00%
Personal Real Estate Loan (Long Term) 4.25% 4.25% - - 3.99% 4.00%
Personal Education Loan (Short Term) 1.00% 1.00% - - 5.00% 5.00%
Personal Education Loan (Medium Term) 2.87% 2.33% 2.50% 2.50% 1.88% 1.65%
Personal Education Loan (Long Term) - - 1.47% 1.47% 3.80% 3.03%
Personal Business Loan (Short Term) 11.00% 11.00% 6.00% 6.00% 13.00% 14.00%
Personal Business Loan (Medium Term) 8.00% 5.00% 6.88% 5.53% 4.89% 3.00%
Personal Business Loan (Long Term) - - - - 7.83% 9.00%
Personal Auto Loan (Short Term) 12.21% 5.00% - - - -
Personal Auto Loan (Medium Term) 1.96% 1.75% 3.59% 2.42% 9.87% 2.00%
Personal Auto Loan (Long Term) - - 14.25% 14.25% 6.53% 6.53%
Personal Debt Consolidation Loan (Short Term) 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%
Personal Debt Consolidation Loan (Medium Term) 11.07% 7.00% 11.85% 6.00% 4.47% 4.50%
Personal Debt Consolidation Loan (Long Term) - - 5.00% 5.00% 3.92% 2.75%
Personal Discretionary Spending Loan (Short Term) 4.67% 5.00% 14.50% 14.50% 2.55% 1.00%
Personal Discretionary Spending Loan (Medium Term) 7.65% 5.00% 4.44% 5.00% 5.58% 5.00%
Personal Discretionary Spending Loan (Long Term) - - - - 3.53% 2.35%

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 02/17/2017
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 10.15% 10.15%
Updated 02/17/2017
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.04% 3.10%
3/1 jumbo ARM Down 3.85% 3.72%
3/1 jumbo ARM (interest only) Down 3.51% 3.41%
7/1 jumbo ARM Down 3.86% 3.70%
7/1 jumbo ARM (interest only) Down 4.05% 4.41%
10/1 jumbo ARM Down 4.38% 4.27%
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 Down 10.00% 10.00%
30 yr fixed mtg Down 4.01% 3.96%
15 yr fixed mtg Down 3.14% 3.12%
1 yr ARM Down 3.19% 3.19%
30 yr fixed jumbo mtg Down 4.26% 4.19%
30 yr FHA mtg Down 3.58% 3.50%
5/1 ARM Down 3.15% 3.08%
5/1 jumbo ARM Down 3.47% 3.37%
3/1 ARM Down 3.76% 3.69%
7/1 ARM Down 3.27% 3.22%
10/1 ARM Down 3.47% 3.41%
15 yr fixed jumbo mtg Down 3.86% 3.81%
10 yr fixed mtg Down 2.98% 2.97%
20 yr fixed mtg Down 3.73% 3.71%
3/1 ARM (interest only) Down 4.00% 3.88%
5/1 ARM (interest only) Down 7.14% 6.96%
5/1 jumbo ARM (interest only) Down 3.99% 4.25%
7/1 ARM (interest only) Down 4.51% 4.48%

bankrate.com
Updated 02/17/2017
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.04% 3.10%
3/1 jumbo ARM Down 3.85% 3.72%
3/1 jumbo ARM (interest only) Down 3.51% 3.41%
7/1 jumbo ARM Down 3.86% 3.70%
7/1 jumbo ARM (interest only) Down 4.05% 4.41%
10/1 jumbo ARM Down 4.38% 4.27%
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 Down 10.00% 10.00%
30 yr fixed mtg Down 4.01% 3.96%
15 yr fixed mtg Down 3.14% 3.12%
1 yr ARM Down 3.19% 3.19%
30 yr fixed jumbo mtg Down 4.26% 4.19%
30 yr FHA mtg Down 3.58% 3.50%
5/1 ARM Down 3.15% 3.08%
5/1 jumbo ARM Down 3.47% 3.37%
3/1 ARM Down 3.76% 3.69%
7/1 ARM Down 3.27% 3.22%
10/1 ARM Down 3.47% 3.41%
15 yr fixed jumbo mtg Down 3.86% 3.81%
10 yr fixed mtg Down 2.98% 2.97%
20 yr fixed mtg Down 3.73% 3.71%
3/1 ARM (interest only) Down 4.00% 3.88%
5/1 ARM (interest only) Down 7.14% 6.96%
5/1 jumbo ARM (interest only) Down 3.99% 4.25%
7/1 ARM (interest only) Down 4.51% 4.48%

bankrate.com
Updated 02/17/2017
Loan Type This Week Last Week
$30K HELOC FICO Down 4.59% 4.64%
$30K home equity loan FICO Down 4.71% 4.71%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 4.26% 4.26%
$75K HELOC FICO Down 4.56% 4.61%
$50K home equity loan FICO Down 4.28% 4.28%
$50K HELOC FICO Down 4.56% 4.61%
$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 4.15% 4.15%
$100K high LTV home equity loan Down 4.78% 4.78%
$100K HELOC Down 4.26% 4.32%

bankrate.com
Updated 02/17/2017
Loan Type This Week Last Week
60 month used car loan Down 3.19% 3.19%
48 month used car loan Down 3.18% 3.18%
48 month new car loan Down 3.31% 3.17%
36 month used car loan Down 3.42% 3.42%
36 month new car loan Down 3.15% 2.98%
60 month new car loan Down 3.41% 3.26%
36 month auto refinance Down 2.61% 2.61%
48 month auto refinance Down 2.72% 2.72%
60 month auto refinance Down 2.8% 2.80%

bankrate.com
Updated 02/17/2017
Loan Type This Week Last Week
MasterCard® Credit Cards Down 16.94% 16.94%
Visa® Credit Cards Down 15.78% 15.78%
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 16.09% 16.08%
Excellent Credit Down 16.50% 16.50%
Low Interest Cards Down 12.56% 12.56%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 17.42% 17.42%
Frequent Flyer Cards Down 18.02% 18.02%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 16.87% 16.87%

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