Key Lending Rates

Updated 08/18/2018
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 4.55% 5.00% 8.08% 6.00% 5.42% 6.00%
Blended Personal Loan (Medium Term) 5.05% 5.00% 4.66% 5.00% 10.71% 5.25%
Blended Personal Loan (Long Term) - - 4.00% 4.00% 3.70% 3.01%
Personal Real Estate Loan (Short Term) 4.17% 5.00% - - 5.88% 6.00%
Personal Real Estate Loan (Medium Term) 4.73% 5.00% 3.83% 2.00% 7.05% 2.90%
Personal Real Estate Loan (Long Term) - - 4.88% 4.88% 3.56% 3.50%
Personal Education Loan (Short Term) - - 5.00% 5.00% - -
Personal Education Loan (Medium Term) 15.68% 15.68% 3.02% 3.25% 3.70% 3.00%
Personal Education Loan (Long Term) - - 3.00% 3.00% 4.47% 3.00%
Personal Business Loan (Short Term) 14.00% 10.00% 36.00% 36.00% 10.06% 10.00%
Personal Business Loan (Medium Term) 17.50% 17.50% 6.00% 5.00% 5.42% 4.70%
Personal Business Loan (Long Term) - - - - 5.26% 4.50%
Personal Auto Loan (Short Term) - - - - - -
Personal Auto Loan (Medium Term) 5.58% 5.00% 3.07% 2.68% 2.02% 2.11%
Personal Auto Loan (Long Term) - - - - 2.44% 2.44%
Personal Debt Consolidation Loan (Short Term) 5.00% 5.00% - - 1.52% 1.52%
Personal Debt Consolidation Loan (Medium Term) 5.00% 5.00% 5.80% 5.00% 4.32% 4.00%
Personal Debt Consolidation Loan (Long Term) - - 3.19% 3.19% 3.56% 2.91%
Personal Discretionary Spending Loan (Short Term) 4.90% 5.00% 6.69% 5.75% 4.78% 4.00%
Personal Discretionary Spending Loan (Medium Term) 4.85% 5.00% 7.42% 5.00% 10.12% 6.25%
Personal Discretionary Spending Loan (Long Term) - - 5.00% 5.00% 3.96% 3.01%

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 08/17/2018
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 11.27% 11.33%
Updated 08/17/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 4.28% 4.38%
3/1 jumbo ARM Down 4.49% 4.64%
3/1 jumbo ARM (interest only) Down 3.88% 3.88%
7/1 jumbo ARM Down 4.10% 4.11%
7/1 jumbo ARM (interest only) Down 3.84% 3.73%
10/1 jumbo ARM Down 4.61% 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 4.40% 4.41%
15 yr fixed mtg Down 3.79% 3.80%
1 yr ARM Down 4.08% 4.08%
30 yr fixed jumbo mtg Down 4.55% 4.53%
30 yr FHA mtg Down 4.11% 4.12%
5/1 ARM Down 4.04% 4.09%
5/1 jumbo ARM Down 3.97% 3.98%
3/1 ARM Down 5.10% 5.01%
7/1 ARM Down 4.17% 4.23%
10/1 ARM Down 4.36% 4.41%
15 yr fixed jumbo mtg Down 4.46% 4.45%
10 yr fixed mtg Down 3.69% 3.72%
20 yr fixed mtg Down 4.22% 4.25%
3/1 ARM (interest only) Down 5.50% 5.50%
5/1 ARM (interest only) Down 3.76% 3.73%
5/1 jumbo ARM (interest only) Down 3.78% 3.69%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 08/17/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 4.28% 4.38%
3/1 jumbo ARM Down 4.49% 4.64%
3/1 jumbo ARM (interest only) Down 3.88% 3.88%
7/1 jumbo ARM Down 4.10% 4.11%
7/1 jumbo ARM (interest only) Down 3.84% 3.73%
10/1 jumbo ARM Down 4.61% 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 4.40% 4.41%
15 yr fixed mtg Down 3.79% 3.80%
1 yr ARM Down 4.08% 4.08%
30 yr fixed jumbo mtg Down 4.55% 4.53%
30 yr FHA mtg Down 4.11% 4.12%
5/1 ARM Down 4.04% 4.09%
5/1 jumbo ARM Down 3.97% 3.98%
3/1 ARM Down 5.10% 5.01%
7/1 ARM Down 4.17% 4.23%
10/1 ARM Down 4.36% 4.41%
15 yr fixed jumbo mtg Down 4.46% 4.45%
10 yr fixed mtg Down 3.69% 3.72%
20 yr fixed mtg Down 4.22% 4.25%
3/1 ARM (interest only) Down 5.50% 5.50%
5/1 ARM (interest only) Down 3.76% 3.73%
5/1 jumbo ARM (interest only) Down 3.78% 3.69%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 08/17/2018
Loan Type This Week Last Week
$30K HELOC FICO Down 3.34% 3.34%
$30K home equity loan FICO Down 4.99% 4.99%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 4.69% 4.69%
$75K HELOC FICO Down 3.34% 3.34%
$50K home equity loan FICO Down 4.69% 4.69%
$50K HELOC FICO Down 3.54% 3.54%
$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% 4.59%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 3.54% 3.54%

bankrate.com
Updated 08/17/2018
Loan Type This Week Last Week
60 month used car loan Down 4.4% 4.34%
48 month used car loan Down 4.56% 4.37%
48 month new car loan Down 4.51% 3.89%
36 month used car loan Down 4.51% 4.28%
36 month new car loan Down 4.43% 3.64%
60 month new car loan Down 4.62% 4.06%
36 month auto refinance Down 3.5% 2.51%
48 month auto refinance Down 2.51% 2.75%
60 month auto refinance Down 3% 3.12%

bankrate.com
Updated 08/17/2018
Loan Type This Week Last Week
MasterCard® Credit Cards Down 17.56% 17.56%
Visa® Credit Cards Down 16.78% 16.77%
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 17.01% 17.00%
Excellent Credit Down 17.56% 17.55%
Low Interest Cards Down 14.41% 14.39%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 18.20% 18.19%
Frequent Flyer Cards Down 17.60% 17.60%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 17.69% 17.68%

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