Key Lending Rates

Updated 04/27/2017
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 3.21% 1.00% 2.00% 3.00% 5.77% 3.75%
Blended Personal Loan (Medium Term) 7.18% 5.00% 5.56% 5.00% 5.78% 5.00%
Blended Personal Loan (Long Term) 5.00% 5.00% 5.00% 5.00% 4.00% 3.00%
Personal Real Estate Loan (Short Term) 6.95% 6.95% - - 7.91% 7.50%
Personal Real Estate Loan (Medium Term) 6.12% 5.00% 4.66% 4.00% 6.01% 5.00%
Personal Real Estate Loan (Long Term) 5.00% 5.00% - - 3.90% 3.64%
Personal Education Loan (Short Term) - - - - - -
Personal Education Loan (Medium Term) 5.40% 5.00% 4.17% 4.50% 1.65% 1.65%
Personal Education Loan (Long Term) - - 1.99% 1.99% 2.05% 2.12%
Personal Business Loan (Short Term) 7.00% 1.00% 2.00% 2.00% 8.78% 10.00%
Personal Business Loan (Medium Term) 3.92% 5.00% 12.41% 7.50% 7.60% 5.00%
Personal Business Loan (Long Term) 5.00% 5.00% - - 4.03% 4.00%
Personal Auto Loan (Short Term) 8.30% - 12.00% 12.00% - -
Personal Auto Loan (Medium Term) 3.40% 4.84% 4.94% 5.00% 3.76% 2.05%
Personal Auto Loan (Long Term) - - 14.25% 14.25% - -
Personal Debt Consolidation Loan (Short Term) 5.50% 5.50% 3.50% 3.50% 12.50% 12.50%
Personal Debt Consolidation Loan (Medium Term) 7.83% 5.50% 4.30% 2.00% 8.00% 5.00%
Personal Debt Consolidation Loan (Long Term) - - - - 2.67% 2.75%
Personal Discretionary Spending Loan (Short Term) 2.78% 1.00% 2.00% 3.00% 2.97% 2.95%
Personal Discretionary Spending Loan (Medium Term) 8.25% 5.00% 5.60% 5.00% 5.13% 5.00%
Personal Discretionary Spending Loan (Long Term) - - 5.00% 5.00% 4.03% 3.17%

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 04/26/2017
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 10.32% 10.32%
Updated 04/26/2017
Loan Type This Week Last Week
1 yr jumbo ARM Down 2.99% 3.01%
3/1 jumbo ARM Down 4.49% 4.49%
3/1 jumbo ARM (interest only) Down 3.50% 3.47%
7/1 jumbo ARM Down 3.86% 3.75%
7/1 jumbo ARM (interest only) Down 4.32% 4.38%
10/1 jumbo ARM Down 4.31% 4.22%
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 3.92% 3.81%
15 yr fixed mtg Down 3.12% 3.03%
1 yr ARM Down 3.13% 3.11%
30 yr fixed jumbo mtg Down 4.47% 4.38%
30 yr FHA mtg Down 3.62% 3.49%
5/1 ARM Down 3.17% 3.15%
5/1 jumbo ARM Down 3.63% 3.54%
3/1 ARM Down 3.44% 3.36%
7/1 ARM Down 3.26% 3.23%
10/1 ARM Down 3.53% 3.34%
15 yr fixed jumbo mtg Down 4.09% 4.00%
10 yr fixed mtg Down 2.95% 2.84%
20 yr fixed mtg Down 3.67% 3.72%
3/1 ARM (interest only) Down 3.29% 3.69%
5/1 ARM (interest only) Down 3.54% 3.76%
5/1 jumbo ARM (interest only) Down 4.18% 4.22%
7/1 ARM (interest only) Down 4.28% 4.32%

bankrate.com
Updated 04/26/2017
Loan Type This Week Last Week
1 yr jumbo ARM Down 2.99% 3.01%
3/1 jumbo ARM Down 4.49% 4.49%
3/1 jumbo ARM (interest only) Down 3.50% 3.47%
7/1 jumbo ARM Down 3.86% 3.75%
7/1 jumbo ARM (interest only) Down 4.32% 4.38%
10/1 jumbo ARM Down 4.31% 4.22%
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 3.92% 3.81%
15 yr fixed mtg Down 3.12% 3.03%
1 yr ARM Down 3.13% 3.11%
30 yr fixed jumbo mtg Down 4.47% 4.38%
30 yr FHA mtg Down 3.62% 3.49%
5/1 ARM Down 3.17% 3.15%
5/1 jumbo ARM Down 3.63% 3.54%
3/1 ARM Down 3.44% 3.36%
7/1 ARM Down 3.26% 3.23%
10/1 ARM Down 3.53% 3.34%
15 yr fixed jumbo mtg Down 4.09% 4.00%
10 yr fixed mtg Down 2.95% 2.84%
20 yr fixed mtg Down 3.67% 3.72%
3/1 ARM (interest only) Down 3.29% 3.69%
5/1 ARM (interest only) Down 3.54% 3.76%
5/1 jumbo ARM (interest only) Down 4.18% 4.22%
7/1 ARM (interest only) Down 4.28% 4.32%

bankrate.com
Updated 04/26/2017
Loan Type This Week Last Week
$30K HELOC FICO Down 4.87% 4.83%
$30K home equity loan FICO Down 4.68% 4.68%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 4.30% 4.31%
$75K HELOC FICO Down 4.90% 4.87%
$50K home equity loan FICO Down 4.33% 4.34%
$50K HELOC FICO Down 4.90% 4.87%
$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 4.22% 4.23%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 4.66% 4.59%

bankrate.com
Updated 04/26/2017
Loan Type This Week Last Week
60 month used car loan Down 3.1% 3.10%
48 month used car loan Down 3.08% 3.08%
48 month new car loan Down 3.11% 3.21%
36 month used car loan Down 3.34% 3.34%
36 month new car loan Down 2.95% 3.08%
60 month new car loan Down 3.23% 3.35%
36 month auto refinance Down 2.64% 2.64%
48 month auto refinance Down 2.79% 2.79%
60 month auto refinance Down 2.89% 2.89%

bankrate.com
Updated 04/26/2017
Loan Type This Week Last Week
MasterCard® Credit Cards Down 16.91% 16.91%
Visa® Credit Cards Down 15.88% 15.88%
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 16.21% 16.21%
Excellent Credit Down 16.63% 16.63%
Low Interest Cards Down 13.13% 13.13%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 17.63% 17.63%
Frequent Flyer Cards Down 16.53% 16.53%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 16.85% 16.85%

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