Key Lending Rates

Updated 05/25/2018
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 3.42% 4.51% 9.13% 11.00% 7.07% 5.00%
Blended Personal Loan (Medium Term) 5.28% 5.00% 5.41% 5.00% 6.92% 5.88%
Blended Personal Loan (Long Term) - - 5.00% 5.00% 3.88% 4.00%
Personal Real Estate Loan (Short Term) 2.00% 1.00% 2.50% 2.50% 4.52% 4.50%
Personal Real Estate Loan (Medium Term) 4.65% 5.00% 4.24% 5.00% 4.48% 4.75%
Personal Real Estate Loan (Long Term) - - 5.00% 5.00% 3.97% 4.00%
Personal Education Loan (Short Term) - - - - - -
Personal Education Loan (Medium Term) - - - - 4.04% 5.00%
Personal Education Loan (Long Term) - - 2.50% 2.50% 2.66% 2.66%
Personal Business Loan (Short Term) 33.85% 14.00% - - 12.00% 12.00%
Personal Business Loan (Medium Term) 5.00% 5.00% 7.00% 6.00% 6.18% 5.00%
Personal Business Loan (Long Term) - - - - 5.62% 5.23%
Personal Auto Loan (Short Term) 7.08% 3.25% - - - -
Personal Auto Loan (Medium Term) 5.00% 5.00% 7.29% 5.45% 8.19% 5.00%
Personal Auto Loan (Long Term) - - - - 3.73% 3.95%
Personal Debt Consolidation Loan (Short Term) - - 2.00% 3.00% - -
Personal Debt Consolidation Loan (Medium Term) 8.28% 4.40% 4.33% 4.33% 5.47% 4.00%
Personal Debt Consolidation Loan (Long Term) 5.00% 5.00% 6.00% 6.00% 3.56% 2.84%
Personal Discretionary Spending Loan (Short Term) 3.80% 5.00% 11.80% 12.00% 11.13% 6.75%
Personal Discretionary Spending Loan (Medium Term) 5.65% 5.00% 7.25% 8.50% 6.74% 5.00%
Personal Discretionary Spending Loan (Long Term) - - 5.00% 5.00% 3.69% 3.34%

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 05/24/2018
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 11.23% 11.23%
Updated 05/24/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 4.05% 4.07%
3/1 jumbo ARM Down 5.65% 5.72%
3/1 jumbo ARM (interest only) Down 3.88% 4.00%
7/1 jumbo ARM Down 4.46% 4.54%
7/1 jumbo ARM (interest only) Down 3.94% 3.88%
10/1 jumbo ARM Down 4.82% 4.86%
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 4.45% 4.56%
15 yr fixed mtg Down 3.89% 3.98%
1 yr ARM Down 3.96% 3.92%
30 yr fixed jumbo mtg Down 4.67% 4.75%
30 yr FHA mtg Down 4.24% 4.37%
5/1 ARM Down 4.22% 4.40%
5/1 jumbo ARM Down 4.31% 4.36%
3/1 ARM Down 4.75% 5.02%
7/1 ARM Down 4.26% 4.35%
10/1 ARM Down 4.57% 4.68%
15 yr fixed jumbo mtg Down 4.53% 4.79%
10 yr fixed mtg Down 3.77% 3.87%
20 yr fixed mtg Down 4.35% 4.45%
3/1 ARM (interest only) Down 3.97% 4.09%
5/1 ARM (interest only) Down 5.10% 5.14%
5/1 jumbo ARM (interest only) Down 3.93% 3.86%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 05/24/2018
Loan Type This Week Last Week
1 yr jumbo ARM Down 4.05% 4.07%
3/1 jumbo ARM Down 5.65% 5.72%
3/1 jumbo ARM (interest only) Down 3.88% 4.00%
7/1 jumbo ARM Down 4.46% 4.54%
7/1 jumbo ARM (interest only) Down 3.94% 3.88%
10/1 jumbo ARM Down 4.82% 4.86%
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 4.45% 4.56%
15 yr fixed mtg Down 3.89% 3.98%
1 yr ARM Down 3.96% 3.92%
30 yr fixed jumbo mtg Down 4.67% 4.75%
30 yr FHA mtg Down 4.24% 4.37%
5/1 ARM Down 4.22% 4.40%
5/1 jumbo ARM Down 4.31% 4.36%
3/1 ARM Down 4.75% 5.02%
7/1 ARM Down 4.26% 4.35%
10/1 ARM Down 4.57% 4.68%
15 yr fixed jumbo mtg Down 4.53% 4.79%
10 yr fixed mtg Down 3.77% 3.87%
20 yr fixed mtg Down 4.35% 4.45%
3/1 ARM (interest only) Down 3.97% 4.09%
5/1 ARM (interest only) Down 5.10% 5.14%
5/1 jumbo ARM (interest only) Down 3.93% 3.86%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 05/24/2018
Loan Type This Week Last Week
$30K HELOC FICO Down 3.56% 3.56%
$30K home equity loan FICO Down 5.29% 5.29%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 4.99% 4.99%
$75K HELOC FICO Down 3.56% 3.56%
$50K home equity loan FICO Down 4.99% 4.99%
$50K HELOC FICO Down 3.68% 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 4.84% 4.84%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 3.68% 3.68%

bankrate.com
Updated 05/24/2018
Loan Type This Week Last Week
60 month used car loan Down 4.21% 4.24%
48 month used car loan Down 4.36% 4.43%
48 month new car loan Down 4.2% 4.28%
36 month used car loan Down 4.36% 4.44%
36 month new car loan Down 4.12% 4.21%
60 month new car loan Down 4.3% 4.38%
36 month auto refinance Down 2.74% 2.74%
48 month auto refinance Down 2.63% 2.63%
60 month auto refinance Down 2.86% 2.86%

bankrate.com
Updated 05/24/2018
Loan Type This Week Last Week
MasterCard® Credit Cards Down 17.22% 17.20%
Visa® Credit Cards Down 16.52% 16.50%
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 16.72% 16.71%
Excellent Credit Down 17.26% 17.24%
Low Interest Cards Down 14.17% 14.15%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 17.88% 17.86%
Frequent Flyer Cards Down 17.35% 17.31%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 17.39% 17.37%

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