Key Lending Rates

Updated 03/28/2024
Loan Type Small Loan Medium Loan Jumbo Loan
Avg. Med. Avg. Med. Avg. Med.
Blended Personal Loan (Short Term) 7.00% 7.00% - - - -
Blended Personal Loan (Medium Term) 5.00% 5.00% 11.33% 13.99% 5.87% 5.25%
Blended Personal Loan (Long Term) 5.00% 5.00% - - 12.66% 5.50%
Personal Real Estate Loan (Short Term) 7.00% 7.00% - - - -
Personal Real Estate Loan (Medium Term) 5.00% 5.00% 5.00% 5.00% 7.25% 7.25%
Personal Real Estate Loan (Long Term) 5.00% 5.00% - - 12.25% 6.00%
Personal Education Loan (Short Term) - - - - - -
Personal Education Loan (Medium Term) 5.00% 5.00% - - - -
Personal Education Loan (Long Term) - - - - - -
Personal Business Loan (Short Term) - - - - 5.00% 5.00%
Personal Business Loan (Medium Term) - - 10.00% 10.00% - -
Personal Business Loan (Long Term) - - - - 8.33% 8.00%
Personal Auto Loan (Short Term) - - - - - -
Personal Auto Loan (Medium Term) 20.00% 20.00% 3.41% 4.07% 7.33% 5.00%
Personal Auto Loan (Long Term) - - - - - -
Personal Debt Consolidation Loan (Short Term) - - - - - -
Personal Debt Consolidation Loan (Medium Term) - - - - 5.41% 5.00%
Personal Debt Consolidation Loan (Long Term) - - - - 7.33% 7.00%
Personal Discretionary Spending Loan (Short Term) - - - - - -
Personal Discretionary Spending Loan (Medium Term) - - 14.49% 14.50% 5.25% 4.49%
Personal Discretionary Spending Loan (Long Term) - - - - 4.64% 4.99%

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 02/08/2019
Loan Type This Week Last Week
Private Loan Down 8.30% 8.30%
Personal Loan Down 11.45% 11.52%
Updated 02/08/2019
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.94% 3.94%
3/1 jumbo ARM Down 4.21% 4.21%
3/1 jumbo ARM (interest only) Down 3.25% 3.25%
7/1 jumbo ARM Down 3.85% 3.88%
7/1 jumbo ARM (interest only) Down 4.22% 4.25%
10/1 jumbo ARM Down 4.04% 4.09%
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 4.35% 4.39%
15 yr fixed mtg Down 3.68% 3.71%
1 yr ARM Down 4.00% 3.98%
30 yr fixed jumbo mtg Down 4.39% 4.40%
30 yr FHA mtg Down 3.93% 3.96%
5/1 ARM Down 3.98% 4.03%
5/1 jumbo ARM Down 3.81% 3.83%
3/1 ARM Down 4.65% 4.51%
7/1 ARM Down 4.10% 4.16%
10/1 ARM Down 4.39% 4.43%
15 yr fixed jumbo mtg Down 4.21% 4.19%
10 yr fixed mtg Down 3.65% 3.65%
20 yr fixed mtg Down 4.30% 4.32%
3/1 ARM (interest only) Down 3.56% 3.56%
5/1 ARM (interest only) Down 3.94% 3.94%
5/1 jumbo ARM (interest only) Down 3.97% 3.97%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 02/08/2019
Loan Type This Week Last Week
1 yr jumbo ARM Down 3.94% 3.94%
3/1 jumbo ARM Down 4.21% 4.21%
3/1 jumbo ARM (interest only) Down 3.25% 3.25%
7/1 jumbo ARM Down 3.85% 3.88%
7/1 jumbo ARM (interest only) Down 4.22% 4.25%
10/1 jumbo ARM Down 4.04% 4.09%
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 4.35% 4.39%
15 yr fixed mtg Down 3.68% 3.71%
1 yr ARM Down 4.00% 3.98%
30 yr fixed jumbo mtg Down 4.39% 4.40%
30 yr FHA mtg Down 3.93% 3.96%
5/1 ARM Down 3.98% 4.03%
5/1 jumbo ARM Down 3.81% 3.83%
3/1 ARM Down 4.65% 4.51%
7/1 ARM Down 4.10% 4.16%
10/1 ARM Down 4.39% 4.43%
15 yr fixed jumbo mtg Down 4.21% 4.19%
10 yr fixed mtg Down 3.65% 3.65%
20 yr fixed mtg Down 4.30% 4.32%
3/1 ARM (interest only) Down 3.56% 3.56%
5/1 ARM (interest only) Down 3.94% 3.94%
5/1 jumbo ARM (interest only) Down 3.97% 3.97%
7/1 ARM (interest only) Down 4.75% 4.75%

bankrate.com
Updated 02/08/2019
Loan Type This Week Last Week
$30K HELOC FICO Down 2.20% 2.20%
$30K home equity loan FICO Down 4.24% 4.24%
$30K high LTV home equity loan FICO Down 4.50% 4.50%
$75K home equity loan FICO Down 3.49% 3.49%
$75K HELOC FICO Down 1.99% 1.99%
$50K home equity loan FICO Down 3.49% 3.49%
$50K HELOC FICO Down 3.05% 3.05%
$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 3.71% 3.71%
$100K high LTV home equity loan Down 5.62% 5.62%
$100K HELOC Down 3.05% 3.05%

bankrate.com
Updated 02/08/2019
Loan Type This Week Last Week
60 month used car loan Down 5.04% 5.03%
48 month used car loan Down 5.15% 5.10%
48 month new car loan Down 4.7% 4.67%
36 month used car loan Down 5.1% 5.05%
36 month new car loan Down 4.65% 4.62%
60 month new car loan Down 4.83% 4.81%
36 month auto refinance Down 4.25% 3.99%
48 month auto refinance Down 4.25% 3.99%
60 month auto refinance Down 4.5% 4.25%

bankrate.com
Updated 09/18/2018
Loan Type This Week Last Week
MasterCard® Credit Cards Down 17.57% 17.61%
Visa® Credit Cards Down 16.81% 16.81%
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 17.09% 17.09%
Excellent Credit Down 17.57% 17.57%
Low Interest Cards Down 14.43% 14.43%
Balance Transfer Cards Down 18.49% 18.49%
Student Cards Down 15.35% 16.57%
Cash Back Cards Down 18.21% 18.21%
Frequent Flyer Cards Down 17.60% 17.60%
Gas Rewards Cards Down 21.24% 22.06%
Rewards Cards Down 17.72% 17.72%

bankrate.com
Updated 03/01/2024
Loan Type Annual Semi-Annual Quarterly Monthly
Short-term Loan (3 years or less) 4.71% 4.66% 4.63% 4.62%
Medium-term Loan (3-9 years) 4.13% 4.09% 4.07% 4.06%
Long-term Loan (9+ years) 4.40% 4.35% 4.33% 4.31%

View more on AFR info at IRS.gov