Key Lending Rates

Updated 03/23/2017
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 4.21% 3.00% 42.63% 25.00% 17.88% 6.50%
Blended Personal Loan (Medium Term) 7.12% 5.00% 5.35% 5.00% 5.22% 5.00%
Blended Personal Loan (Long Term) 4.25% 4.25% - - 3.74% 3.00%
Personal Real Estate Loan (Short Term) 6.78% 5.00% - - 20.79% 10.88%
Personal Real Estate Loan (Medium Term) 6.36% 5.00% 5.86% 5.00% 5.42% 5.00%
Personal Real Estate Loan (Long Term) 4.25% 4.25% - - 4.08% 4.00%
Personal Education Loan (Short Term) - - - - 5.00% 5.00%
Personal Education Loan (Medium Term) 4.40% 4.50% 4.00% 4.50% 1.60% 1.57%
Personal Education Loan (Long Term) - - 1.47% 1.47% 3.03% 3.03%
Personal Business Loan (Short Term) 7.67% 5.00% 2.00% 2.00% 12.75% 13.50%
Personal Business Loan (Medium Term) 6.00% 5.00% 7.65% 6.05% 7.64% 6.25%
Personal Business Loan (Long Term) - - - - 5.31% 5.00%
Personal Auto Loan (Short Term) 18.88% 17.75% 12.00% 12.00% - -
Personal Auto Loan (Medium Term) 1.97% 0.88% 4.34% 4.00% 4.16% 2.00%
Personal Auto Loan (Long Term) - - 14.25% 14.25% 10.05% 10.05%
Personal Debt Consolidation Loan (Short Term) 5.50% 5.50% 3.50% 3.50% 3.00% 3.00%
Personal Debt Consolidation Loan (Medium Term) 13.36% 10.00% 5.33% 5.50% 4.43% 4.25%
Personal Debt Consolidation Loan (Long Term) - - 5.00% 5.00% 2.94% 2.73%
Personal Discretionary Spending Loan (Short Term) 1.00% 0.50% 14.00% 14.00% 2.85% 1.90%
Personal Discretionary Spending Loan (Medium Term) 8.38% 5.00% 4.31% 5.00% 4.62% 5.00%
Personal Discretionary Spending Loan (Long Term) - - - - 3.44% 2.55%

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 03/22/2017
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 10.01% 10.01%
Updated 03/22/2017
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.08% 3.11%
3/1 jumbo ARM Down 4.78% 4.60%
3/1 jumbo ARM (interest only) Down 3.52% 3.78%
7/1 jumbo ARM Down 3.92% 4.04%
7/1 jumbo ARM (interest only) Down 4.04% 4.17%
10/1 jumbo ARM Down 4.51% 4.61%
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% 4.14%
15 yr fixed mtg Down 3.18% 3.29%
1 yr ARM Down 3.15% 3.15%
30 yr fixed jumbo mtg Down 4.78% 4.68%
30 yr FHA mtg Down 3.62% 3.78%
5/1 ARM Down 3.24% 3.30%
5/1 jumbo ARM Down 3.59% 3.74%
3/1 ARM Down 3.81% 4.03%
7/1 ARM Down 3.34% 3.44%
10/1 ARM Down 3.55% 3.70%
15 yr fixed jumbo mtg Down 4.43% 4.30%
10 yr fixed mtg Down 2.99% 3.14%
20 yr fixed mtg Down 3.76% 3.90%
3/1 ARM (interest only) Down 3.91% 4.25%
5/1 ARM (interest only) Down 3.84% 4.23%
5/1 jumbo ARM (interest only) Down 3.71% 3.81%
7/1 ARM (interest only) Down 4.62% 4.59%

bankrate.com
Updated 03/22/2017
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.08% 3.11%
3/1 jumbo ARM Down 4.78% 4.60%
3/1 jumbo ARM (interest only) Down 3.52% 3.78%
7/1 jumbo ARM Down 3.92% 4.04%
7/1 jumbo ARM (interest only) Down 4.04% 4.17%
10/1 jumbo ARM Down 4.51% 4.61%
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% 4.14%
15 yr fixed mtg Down 3.18% 3.29%
1 yr ARM Down 3.15% 3.15%
30 yr fixed jumbo mtg Down 4.78% 4.68%
30 yr FHA mtg Down 3.62% 3.78%
5/1 ARM Down 3.24% 3.30%
5/1 jumbo ARM Down 3.59% 3.74%
3/1 ARM Down 3.81% 4.03%
7/1 ARM Down 3.34% 3.44%
10/1 ARM Down 3.55% 3.70%
15 yr fixed jumbo mtg Down 4.43% 4.30%
10 yr fixed mtg Down 2.99% 3.14%
20 yr fixed mtg Down 3.76% 3.90%
3/1 ARM (interest only) Down 3.91% 4.25%
5/1 ARM (interest only) Down 3.84% 4.23%
5/1 jumbo ARM (interest only) Down 3.71% 3.81%
7/1 ARM (interest only) Down 4.62% 4.59%

bankrate.com
Updated 03/22/2017
Loan Type This Week Last Week
$30K HELOC FICO Down 4.72% 4.81%
$30K home equity loan FICO Down 5.14% 5.12%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 4.67% 4.63%
$75K HELOC FICO Down 4.79% 4.90%
$50K home equity loan FICO Down 4.72% 4.67%
$50K HELOC FICO Down 4.79% 4.90%
$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 4.53% 4.49%
$100K high LTV home equity loan Down 4.78% 4.78%
$100K HELOC Down 4.56% 4.59%

bankrate.com
Updated 03/22/2017
Loan Type This Week Last Week
60 month used car loan Down 3.21% 3.20%
48 month used car loan Down 3.18% 3.18%
48 month new car loan Down 3.33% 3.33%
36 month used car loan Down 3.43% 3.42%
36 month new car loan Down 3.18% 3.17%
60 month new car loan Down 3.44% 3.43%
36 month auto refinance Down 2.61% 2.61%
48 month auto refinance Down 2.78% 2.72%
60 month auto refinance Down 2.85% 2.80%

bankrate.com
Updated 03/22/2017
Loan Type This Week Last Week
MasterCard® Credit Cards Down 16.96% 16.92%
Visa® Credit Cards Down 15.55% 15.65%
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 15.95% 15.91%
Excellent Credit Down 16.50% 16.48%
Low Interest Cards Down 12.61% 12.59%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 17.39% 17.55%
Frequent Flyer Cards Down 16.46% 16.42%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 16.66% 16.76%

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