Key Lending Rates

Updated 04/23/2018
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 3.37% 1.00% 8.17% 10.00% 7.77% 5.25%
Blended Personal Loan (Medium Term) 4.72% 5.00% 4.30% 4.85% 5.68% 5.00%
Blended Personal Loan (Long Term) - - 5.50% 5.50% 4.56% 4.00%
Personal Real Estate Loan (Short Term) 4.17% 1.00% 2.50% 2.50% 5.00% 4.50%
Personal Real Estate Loan (Medium Term) 4.34% 5.00% 3.91% 4.70% 4.04% 4.00%
Personal Real Estate Loan (Long Term) - - - - 4.07% 4.00%
Personal Education Loan (Short Term) - - - - - -
Personal Education Loan (Medium Term) 5.00% 5.00% 2.75% 2.75% 3.55% 3.56%
Personal Education Loan (Long Term) - - - - 3.08% 2.84%
Personal Business Loan (Short Term) 42.63% 18.00% 6.00% 6.00% 21.23% 17.50%
Personal Business Loan (Medium Term) 5.75% 5.00% 6.00% 6.00% 5.76% 4.92%
Personal Business Loan (Long Term) - - - - 4.51% 3.08%
Personal Auto Loan (Short Term) 5.31% 1.63% - - - -
Personal Auto Loan (Medium Term) 11.33% 11.33% 4.55% 4.45% 5.51% 2.98%
Personal Auto Loan (Long Term) - - - - 3.73% 3.95%
Personal Debt Consolidation Loan (Short Term) - - 3.00% 3.00% - -
Personal Debt Consolidation Loan (Medium Term) 1.00% 1.00% 3.40% 3.40% 4.31% 4.00%
Personal Debt Consolidation Loan (Long Term) - - 6.00% 6.00% 2.86% 2.64%
Personal Discretionary Spending Loan (Short Term) 4.09% 5.00% 11.75% 11.00% 11.54% 7.50%
Personal Discretionary Spending Loan (Medium Term) 4.88% 5.00% 4.56% 4.00% 5.40% 4.00%
Personal Discretionary Spending Loan (Long Term) - - 5.50% 5.50% 4.37% 3.00%

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 04/20/2018
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 11.30% 11.35%
Updated 04/20/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 4.01% 2.95%
3/1 jumbo ARM Down 5.46% 5.20%
3/1 jumbo ARM (interest only) Down 4.00% 4.00%
7/1 jumbo ARM Down 4.39% 4.32%
7/1 jumbo ARM (interest only) Down 3.83% 3.66%
10/1 jumbo ARM Down 4.73% 4.63%
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 4.41% 4.35%
15 yr fixed mtg Down 3.81% 3.75%
1 yr ARM Down 3.92% 3.86%
30 yr fixed jumbo mtg Down 4.59% 4.51%
30 yr FHA mtg Down 4.13% 4.11%
5/1 ARM Down 4.20% 4.15%
5/1 jumbo ARM Down 4.29% 4.22%
3/1 ARM Down 5.34% 4.35%
7/1 ARM Down 4.15% 4.08%
10/1 ARM Down 4.47% 4.41%
15 yr fixed jumbo mtg Down 4.53% 4.45%
10 yr fixed mtg Down 3.72% 3.64%
20 yr fixed mtg Down 4.29% 4.14%
3/1 ARM (interest only) Down 5.50% 5.50%
5/1 ARM (interest only) Down 5.40% 5.31%
5/1 jumbo ARM (interest only) Down 3.83% 3.69%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 04/20/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 4.01% 2.95%
3/1 jumbo ARM Down 5.46% 5.20%
3/1 jumbo ARM (interest only) Down 4.00% 4.00%
7/1 jumbo ARM Down 4.39% 4.32%
7/1 jumbo ARM (interest only) Down 3.83% 3.66%
10/1 jumbo ARM Down 4.73% 4.63%
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 4.41% 4.35%
15 yr fixed mtg Down 3.81% 3.75%
1 yr ARM Down 3.92% 3.86%
30 yr fixed jumbo mtg Down 4.59% 4.51%
30 yr FHA mtg Down 4.13% 4.11%
5/1 ARM Down 4.20% 4.15%
5/1 jumbo ARM Down 4.29% 4.22%
3/1 ARM Down 5.34% 4.35%
7/1 ARM Down 4.15% 4.08%
10/1 ARM Down 4.47% 4.41%
15 yr fixed jumbo mtg Down 4.53% 4.45%
10 yr fixed mtg Down 3.72% 3.64%
20 yr fixed mtg Down 4.29% 4.14%
3/1 ARM (interest only) Down 5.50% 5.50%
5/1 ARM (interest only) Down 5.40% 5.31%
5/1 jumbo ARM (interest only) Down 3.83% 3.69%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 04/20/2018
Loan Type This Week Last Week
$30K HELOC FICO Down 3.46% 3.46%
$30K home equity loan FICO Down 5.22% 5.14%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 4.92% 4.84%
$75K HELOC FICO Down 3.46% 3.46%
$50K home equity loan FICO Down 4.92% 4.84%
$50K HELOC FICO Down 3.57% 3.57%
$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% 4.72%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 3.57% 3.57%

bankrate.com
Updated 04/20/2018
Loan Type This Week Last Week
60 month used car loan Down 4.23% 4.23%
48 month used car loan Down 4.25% 4.29%
48 month new car loan Down 3.82% 3.86%
36 month used car loan Down 4.24% 4.28%
36 month new car loan Down 3.59% 3.64%
60 month new car loan Down 3.95% 3.99%
36 month auto refinance Down 2.58% 2.58%
48 month auto refinance Down 2.8% 2.80%
60 month auto refinance Down 2.98% 2.98%

bankrate.com
Updated 04/20/2018
Loan Type This Week Last Week
MasterCard® Credit Cards Down 17.19% 17.15%
Visa® Credit Cards Down 16.44% 16.39%
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 16.65% 16.60%
Excellent Credit Down 17.17% 17.13%
Low Interest Cards Down 14.13% 14.04%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 17.79% 17.75%
Frequent Flyer Cards Down 17.21% 17.17%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 17.30% 17.26%

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