Key Lending Rates

Updated 12/10/2018
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 5.88% 2.00% 2.67% 3.00% 8.67% 5.00%
Blended Personal Loan (Medium Term) 8.78% 5.00% 4.24% 5.00% 4.05% 2.79%
Blended Personal Loan (Long Term) - - 1.30% 1.31% 4.45% 4.00%
Personal Real Estate Loan (Short Term) - - 5.00% 5.00% 5.83% 3.65%
Personal Real Estate Loan (Medium Term) 9.84% 5.00% 4.43% 5.00% 3.00% 2.79%
Personal Real Estate Loan (Long Term) - - 0.50% 0.50% 4.26% 3.50%
Personal Education Loan (Short Term) - - - - 20.00% 20.00%
Personal Education Loan (Medium Term) - - 1.10% 1.10% 5.84% 5.18%
Personal Education Loan (Long Term) - - 6.30% 6.30% 11.85% 2.81%
Personal Business Loan (Short Term) 5.00% 5.00% 10.00% 10.00% 9.80% 2.70%
Personal Business Loan (Medium Term) 8.00% 8.00% 7.71% 8.00% 7.26% 5.50%
Personal Business Loan (Long Term) - - - - 2.11% 2.11%
Personal Auto Loan (Short Term) 8.25% 7.50% 2.00% 2.00% - -
Personal Auto Loan (Medium Term) 7.13% 4.25% 8.39% 7.00% 5.03% 5.00%
Personal Auto Loan (Long Term) - - 5.00% 5.00% 3.00% 3.00%
Personal Debt Consolidation Loan (Short Term) 6.38% 5.25% - - 1.52% 1.52%
Personal Debt Consolidation Loan (Medium Term) 4.18% 2.64% 3.75% 5.00% 5.07% 4.43%
Personal Debt Consolidation Loan (Long Term) - - 2.82% 2.82% 4.03% 3.00%
Personal Discretionary Spending Loan (Short Term) 5.78% 4.00% 2.50% 3.00% 7.60% 5.00%
Personal Discretionary Spending Loan (Medium Term) 7.45% 5.00% 4.11% 4.00% 4.41% 5.00%
Personal Discretionary Spending Loan (Long Term) - - 2.11% 2.11% 3.53% 3.50%

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 12/07/2018
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 11.43% 11.46%
Updated 12/07/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.94% 4.25%
3/1 jumbo ARM Down 4.50% 4.54%
3/1 jumbo ARM (interest only) Down 3.88% 3.88%
7/1 jumbo ARM Down 4.04% 4.36%
7/1 jumbo ARM (interest only) Down 3.93% 4.02%
10/1 jumbo ARM Down 4.24% 4.64%
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 4.59% 4.68%
15 yr fixed mtg Down 3.94% 3.96%
1 yr ARM Down 4.10% 4.07%
30 yr fixed jumbo mtg Down 4.71% 4.66%
30 yr FHA mtg Down 4.26% 4.40%
5/1 ARM Down 4.10% 4.18%
5/1 jumbo ARM Down 4.02% 4.06%
3/1 ARM Down 5.07% 5.48%
7/1 ARM Down 4.17% 4.27%
10/1 ARM Down 4.47% 4.55%
15 yr fixed jumbo mtg Down 4.44% 4.45%
10 yr fixed mtg Down 3.94% 3.88%
20 yr fixed mtg Down 4.49% 4.47%
3/1 ARM (interest only) Down 5.50% 5.50%
5/1 ARM (interest only) Down 4.86% 4.88%
5/1 jumbo ARM (interest only) Down 3.92% 3.96%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 12/07/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.94% 4.25%
3/1 jumbo ARM Down 4.50% 4.54%
3/1 jumbo ARM (interest only) Down 3.88% 3.88%
7/1 jumbo ARM Down 4.04% 4.36%
7/1 jumbo ARM (interest only) Down 3.93% 4.02%
10/1 jumbo ARM Down 4.24% 4.64%
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 4.59% 4.68%
15 yr fixed mtg Down 3.94% 3.96%
1 yr ARM Down 4.10% 4.07%
30 yr fixed jumbo mtg Down 4.71% 4.66%
30 yr FHA mtg Down 4.26% 4.40%
5/1 ARM Down 4.10% 4.18%
5/1 jumbo ARM Down 4.02% 4.06%
3/1 ARM Down 5.07% 5.48%
7/1 ARM Down 4.17% 4.27%
10/1 ARM Down 4.47% 4.55%
15 yr fixed jumbo mtg Down 4.44% 4.45%
10 yr fixed mtg Down 3.94% 3.88%
20 yr fixed mtg Down 4.49% 4.47%
3/1 ARM (interest only) Down 5.50% 5.50%
5/1 ARM (interest only) Down 4.86% 4.88%
5/1 jumbo ARM (interest only) Down 3.92% 3.96%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 12/07/2018
Loan Type This Week Last Week
$30K HELOC FICO Down 1.99% 1.99%
$30K home equity loan FICO Down 4.24% 4.24%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 3.49% 3.49%
$75K HELOC FICO Down 1.99% 1.99%
$50K home equity loan FICO Down 3.49% 3.49%
$50K HELOC FICO Down 2.93% 2.93%
$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 3.70% 3.70%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 2.93% 2.93%

bankrate.com
Updated 12/07/2018
Loan Type This Week Last Week
60 month used car loan Down 4.39% 4.39%
48 month used car loan Down 4.61% 4.61%
48 month new car loan Down 4.66% 4.67%
36 month used car loan Down 4.6% 4.59%
36 month new car loan Down 4.59% 4.60%
60 month new car loan Down 4.78% 4.80%
36 month auto refinance Down 3.75% 3.75%
48 month auto refinance Down 2.51% 2.51%
60 month auto refinance Down 3% 3.00%

bankrate.com
Updated 09/18/2018
Loan Type This Week Last Week
MasterCard® Credit Cards Down 17.57% 17.61%
Visa® Credit Cards Down 16.81% 16.81%
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 17.09% 17.09%
Excellent Credit Down 17.57% 17.57%
Low Interest Cards Down 14.43% 14.43%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 18.21% 18.21%
Frequent Flyer Cards Down 17.60% 17.60%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 17.72% 17.72%

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