Key Lending Rates

Updated 01/23/2018
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 11.96% 5.00% 3.93% 3.75% 10.42% 7.50%
Blended Personal Loan (Medium Term) 5.11% 5.00% 2.76% 3.00% 5.04% 4.00%
Blended Personal Loan (Long Term) 8.83% 3.50% - - 3.98% 3.00%
Personal Real Estate Loan (Short Term) 14.84% 5.00% 7.50% 7.50% 4.56% 5.00%
Personal Real Estate Loan (Medium Term) 5.15% 5.00% 5.88% 3.50% 4.71% 3.54%
Personal Real Estate Loan (Long Term) 11.50% 11.50% - - 3.77% 3.50%
Personal Education Loan (Short Term) - - - - - -
Personal Education Loan (Medium Term) 5.00% 5.00% 1.00% 1.00% 3.50% 3.50%
Personal Education Loan (Long Term) - - - - 3.56% 2.95%
Personal Business Loan (Short Term) 12.00% 7.00% 2.60% 2.99% 17.08% 15.50%
Personal Business Loan (Medium Term) 8.00% 5.00% 6.25% 5.50% 5.02% 5.00%
Personal Business Loan (Long Term) 5.00% 5.00% - - 2.48% 2.48%
Personal Auto Loan (Short Term) 2.71% 4.00% - - - -
Personal Auto Loan (Medium Term) 6.12% 5.25% 5.21% 4.00% 2.17% 3.00%
Personal Auto Loan (Long Term) - - - - - -
Personal Debt Consolidation Loan (Short Term) 9.49% 11.00% 9.00% 9.00% 5.00% 5.00%
Personal Debt Consolidation Loan (Medium Term) 10.93% 5.00% 3.64% 5.00% 4.76% 5.00%
Personal Debt Consolidation Loan (Long Term) - - - - 4.10% 3.50%
Personal Discretionary Spending Loan (Short Term) 7.93% 5.00% 2.69% 1.00% 11.88% 7.50%
Personal Discretionary Spending Loan (Medium Term) 4.51% 5.00% 2.27% 1.20% 5.00% 5.00%
Personal Discretionary Spending Loan (Long Term) 3.50% 3.50% 3.00% 3.00% 3.59% 2.66%

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 01/22/2018
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 10.99% 10.93%
Updated 01/22/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.58% 3.24%
3/1 jumbo ARM Down 5.27% 4.64%
3/1 jumbo ARM (interest only) Down 4.15% 4.15%
7/1 jumbo ARM Down 4.13% 4.07%
7/1 jumbo ARM (interest only) Down 3.49% 3.42%
10/1 jumbo ARM Down 4.28% 4.31%
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 4.11% 3.96%
15 yr fixed mtg Down 3.45% 3.30%
1 yr ARM Down 3.67% 3.44%
30 yr fixed jumbo mtg Down 4.31% 4.28%
30 yr FHA mtg Down 3.76% 3.62%
5/1 ARM Down 3.98% 3.84%
5/1 jumbo ARM Down 4.09% 3.93%
3/1 ARM Down 4.67% 4.77%
7/1 ARM Down 4.09% 3.88%
10/1 ARM Down 4.27% 4.15%
15 yr fixed jumbo mtg Down 4.37% 4.15%
10 yr fixed mtg Down 3.39% 3.22%
20 yr fixed mtg Down 3.91% 3.74%
3/1 ARM (interest only) Down 4.29% 4.29%
5/1 ARM (interest only) Down 4.50% 4.40%
5/1 jumbo ARM (interest only) Down 3.49% 3.39%
7/1 ARM (interest only) Down 4.30% 4.30%

bankrate.com
Updated 01/22/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.58% 3.24%
3/1 jumbo ARM Down 5.27% 4.64%
3/1 jumbo ARM (interest only) Down 4.15% 4.15%
7/1 jumbo ARM Down 4.13% 4.07%
7/1 jumbo ARM (interest only) Down 3.49% 3.42%
10/1 jumbo ARM Down 4.28% 4.31%
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 4.11% 3.96%
15 yr fixed mtg Down 3.45% 3.30%
1 yr ARM Down 3.67% 3.44%
30 yr fixed jumbo mtg Down 4.31% 4.28%
30 yr FHA mtg Down 3.76% 3.62%
5/1 ARM Down 3.98% 3.84%
5/1 jumbo ARM Down 4.09% 3.93%
3/1 ARM Down 4.67% 4.77%
7/1 ARM Down 4.09% 3.88%
10/1 ARM Down 4.27% 4.15%
15 yr fixed jumbo mtg Down 4.37% 4.15%
10 yr fixed mtg Down 3.39% 3.22%
20 yr fixed mtg Down 3.91% 3.74%
3/1 ARM (interest only) Down 4.29% 4.29%
5/1 ARM (interest only) Down 4.50% 4.40%
5/1 jumbo ARM (interest only) Down 3.49% 3.39%
7/1 ARM (interest only) Down 4.30% 4.30%

bankrate.com
Updated 01/22/2018
Loan Type This Week Last Week
$30K HELOC FICO Down 3.79% 3.79%
$30K home equity loan FICO Down 4.99% 4.92%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 4.69% 4.62%
$75K HELOC FICO Down 3.79% 3.79%
$50K home equity loan FICO Down 4.69% 4.62%
$50K HELOC FICO Down 3.82% 3.82%
$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 4.59% 4.53%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 3.82% 3.82%

bankrate.com
Updated 01/22/2018
Loan Type This Week Last Week
60 month used car loan Down 3.48% 3.45%
48 month used car loan Down 3.41% 3.39%
48 month new car loan Down 3.27% 3.26%
36 month used car loan Down 3.51% 3.50%
36 month new car loan Down 2.97% 2.95%
60 month new car loan Down 3.6% 3.59%
36 month auto refinance Down 2.26% 2.26%
48 month auto refinance Down 2.52% 2.53%
60 month auto refinance Down 2.86% 2.82%

bankrate.com
Updated 01/22/2018
Loan Type This Week Last Week
MasterCard® Credit Cards Down 17.38% 17.34%
Visa® Credit Cards Down 16.24% 16.20%
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 16.57% 16.53%
Excellent Credit Down 17.15% 17.11%
Low Interest Cards Down 13.87% 13.83%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 17.84% 17.80%
Frequent Flyer Cards Down 16.81% 16.78%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 17.22% 17.18%

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