Key Lending Rates

Updated 06/18/2018
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 4.13% 5.00% 5.75% 4.25% 5.73% 5.00%
Blended Personal Loan (Medium Term) 5.45% 5.00% 4.29% 5.00% 5.89% 5.00%
Blended Personal Loan (Long Term) - - 5.00% 5.00% 4.05% 4.00%
Personal Real Estate Loan (Short Term) 3.33% 5.00% 2.50% 2.50% 5.02% 5.00%
Personal Real Estate Loan (Medium Term) 5.30% 5.00% 2.50% 2.50% 4.04% 3.05%
Personal Real Estate Loan (Long Term) - - 5.38% 5.38% 3.95% 4.00%
Personal Education Loan (Short Term) - - - - - -
Personal Education Loan (Medium Term) - - - - 5.63% 3.56%
Personal Education Loan (Long Term) - - 2.50% 2.50% 2.66% 2.66%
Personal Business Loan (Short Term) 41.80% 18.00% 36.00% 36.00% 11.00% 12.00%
Personal Business Loan (Medium Term) 5.00% 5.00% 8.33% 10.00% 6.94% 7.00%
Personal Business Loan (Long Term) - - - - 4.36% 4.00%
Personal Auto Loan (Short Term) 7.08% 3.25% - - - -
Personal Auto Loan (Medium Term) 5.00% 5.00% 6.45% 4.45% 6.58% 3.00%
Personal Auto Loan (Long Term) - - - - 3.73% 3.95%
Personal Debt Consolidation Loan (Short Term) 10.00% 10.00% 2.00% 3.00% 1.52% 1.52%
Personal Debt Consolidation Loan (Medium Term) 7.73% 4.70% 5.08% 5.00% 5.35% 4.00%
Personal Debt Consolidation Loan (Long Term) 5.00% 5.00% 2.72% 2.72% 3.86% 3.86%
Personal Discretionary Spending Loan (Short Term) 4.40% 5.00% 6.10% 5.50% 7.85% 6.00%
Personal Discretionary Spending Loan (Medium Term) 5.30% 5.00% 5.45% 5.00% 6.20% 5.00%
Personal Discretionary Spending Loan (Long Term) - - 5.38% 5.38% 4.13% 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 06/15/2018
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 11.33% 11.33%
Updated 06/15/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 4.06% 3.85%
3/1 jumbo ARM Down 5.70% 5.69%
3/1 jumbo ARM (interest only) Down 3.88% 3.88%
7/1 jumbo ARM Down 4.41% 4.37%
7/1 jumbo ARM (interest only) Down 3.81% 3.72%
10/1 jumbo ARM Down 4.74% 4.72%
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 4.43% 4.46%
15 yr fixed mtg Down 3.89% 3.89%
1 yr ARM Down 4.00% 3.81%
30 yr fixed jumbo mtg Down 4.61% 4.63%
30 yr FHA mtg Down 4.29% 4.36%
5/1 ARM Down 4.22% 4.14%
5/1 jumbo ARM Down 4.29% 4.23%
3/1 ARM Down 5.54% 5.35%
7/1 ARM Down 4.30% 4.37%
10/1 ARM Down 4.52% 4.57%
15 yr fixed jumbo mtg Down 4.56% 4.49%
10 yr fixed mtg Down 3.76% 3.78%
20 yr fixed mtg Down 4.26% 4.28%
3/1 ARM (interest only) Down 5.50% 5.50%
5/1 ARM (interest only) Down 4.00% 4.11%
5/1 jumbo ARM (interest only) Down 3.82% 3.73%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 06/15/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 4.06% 3.85%
3/1 jumbo ARM Down 5.70% 5.69%
3/1 jumbo ARM (interest only) Down 3.88% 3.88%
7/1 jumbo ARM Down 4.41% 4.37%
7/1 jumbo ARM (interest only) Down 3.81% 3.72%
10/1 jumbo ARM Down 4.74% 4.72%
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 4.43% 4.46%
15 yr fixed mtg Down 3.89% 3.89%
1 yr ARM Down 4.00% 3.81%
30 yr fixed jumbo mtg Down 4.61% 4.63%
30 yr FHA mtg Down 4.29% 4.36%
5/1 ARM Down 4.22% 4.14%
5/1 jumbo ARM Down 4.29% 4.23%
3/1 ARM Down 5.54% 5.35%
7/1 ARM Down 4.30% 4.37%
10/1 ARM Down 4.52% 4.57%
15 yr fixed jumbo mtg Down 4.56% 4.49%
10 yr fixed mtg Down 3.76% 3.78%
20 yr fixed mtg Down 4.26% 4.28%
3/1 ARM (interest only) Down 5.50% 5.50%
5/1 ARM (interest only) Down 4.00% 4.11%
5/1 jumbo ARM (interest only) Down 3.82% 3.73%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 06/15/2018
Loan Type This Week Last Week
$30K HELOC FICO Down 3.56% 3.56%
$30K home equity loan FICO Down 5.22% 5.22%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 4.92% 4.92%
$75K HELOC FICO Down 3.56% 3.56%
$50K home equity loan FICO Down 4.92% 4.92%
$50K HELOC FICO Down 3.73% 3.68%
$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 4.78% 4.78%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 3.73% 3.68%

bankrate.com
Updated 06/15/2018
Loan Type This Week Last Week
60 month used car loan Down 4.24% 4.18%
48 month used car loan Down 4.37% 4.32%
48 month new car loan Down 4.2% 4.17%
36 month used car loan Down 4.37% 4.32%
36 month new car loan Down 4.12% 4.08%
60 month new car loan Down 4.31% 4.28%
36 month auto refinance Down 3.01% 2.75%
48 month auto refinance Down 2.58% 2.54%
60 month auto refinance Down 3.01% 2.96%

bankrate.com
Updated 06/15/2018
Loan Type This Week Last Week
MasterCard® Credit Cards Down 17.27% 17.26%
Visa® Credit Cards Down 16.56% 16.55%
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 16.76% 16.75%
Excellent Credit Down 17.26% 17.26%
Low Interest Cards Down 14.21% 14.19%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 17.89% 17.89%
Frequent Flyer Cards Down 17.35% 17.35%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 17.41% 17.41%

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