Key Lending Rates
Updated 02/11/2025
Loan Type | Small Loan | Medium Loan | Jumbo Loan | |||
---|---|---|---|---|---|---|
Avg. | Med. | Avg. | Med. | Avg. | Med. | |
Blended Personal Loan (Short Term) | - | - | 5.00% | 5.00% | 5.00% | 5.00% |
Blended Personal Loan (Medium Term) | 5.00% | 5.00% | 5.50% | 5.50% | 4.68% | 4.69% |
Blended Personal Loan (Long Term) | - | - | 5.23% | 5.24% | 3.79% | 4.03% |
Personal Real Estate Loan (Short Term) | - | - | 5.00% | 5.00% | 11.00% | 9.50% |
Personal Real Estate Loan (Medium Term) | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% |
Personal Real Estate Loan (Long Term) | - | - | 5.00% | 5.00% | 5.39% | 4.53% |
Personal Education Loan (Short Term) | 6.53% | 6.53% | - | - | - | - |
Personal Education Loan (Medium Term) | - | - | - | - | - | - |
Personal Education Loan (Long Term) | - | - | - | - | - | - |
Personal Business Loan (Short Term) | - | - | - | - | - | - |
Personal Business Loan (Medium Term) | 4.00% | 4.00% | 4.30% | 4.30% | 5.00% | 5.00% |
Personal Business Loan (Long Term) | - | - | - | - | - | - |
Personal Auto Loan (Short Term) | - | - | - | - | - | - |
Personal Auto Loan (Medium Term) | - | - | 3.16% | 3.17% | - | - |
Personal Auto Loan (Long Term) | - | - | - | - | - | - |
Personal Debt Consolidation Loan (Short Term) | - | - | - | - | - | - |
Personal Debt Consolidation Loan (Medium Term) | 8.00% | 8.00% | - | - | 5.00% | 5.00% |
Personal Debt Consolidation Loan (Long Term) | - | - | - | - | - | - |
Personal Discretionary Spending Loan (Short Term) | - | - | - | - | 5.00% | 5.00% |
Personal Discretionary Spending Loan (Medium Term) | 5.00% | 5.00% | 6.00% | 6.00% | 6.12% | 6.00% |
Personal Discretionary Spending Loan (Long Term) | - | - | 5.47% | 5.47% | 3.41% | 3.42% |
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 | ![]() |
8.30% |
Personal Loan | ![]() |
11.52% |
Updated 02/08/2019
Loan Type | This Week | Last Week |
---|---|---|
1 yr jumbo ARM | ![]() |
3.94% |
3/1 jumbo ARM | ![]() |
4.21% |
3/1 jumbo ARM (interest only) | ![]() |
3.25% |
7/1 jumbo ARM | ![]() |
3.88% |
7/1 jumbo ARM (interest only) | ![]() |
4.25% |
10/1 jumbo ARM | ![]() |
4.09% |
2/28 ARM | ![]() |
6.63% |
3/27 ARM | ![]() |
6.75% |
2/28 ARM refi | ![]() |
6.63% |
3/27 ARM refi | ![]() |
6.75% |
40 yr fixed mtg | 7.75% | 0.00% |
30 yr fixed mtg | ![]() |
4.39% |
15 yr fixed mtg | ![]() |
3.71% |
1 yr ARM | ![]() |
3.98% |
30 yr fixed jumbo mtg | ![]() |
4.40% |
30 yr FHA mtg | ![]() |
3.96% |
5/1 ARM | ![]() |
4.03% |
5/1 jumbo ARM | ![]() |
3.83% |
3/1 ARM | ![]() |
4.51% |
7/1 ARM | ![]() |
4.16% |
10/1 ARM | ![]() |
4.43% |
15 yr fixed jumbo mtg | ![]() |
4.19% |
10 yr fixed mtg | ![]() |
3.65% |
20 yr fixed mtg | ![]() |
4.32% |
3/1 ARM (interest only) | ![]() |
3.56% |
5/1 ARM (interest only) | ![]() |
3.94% |
5/1 jumbo ARM (interest only) | ![]() |
3.97% |
7/1 ARM (interest only) | ![]() |
4.75% |

Updated 02/08/2019
Loan Type | This Week | Last Week |
---|---|---|
1 yr jumbo ARM | ![]() |
3.94% |
3/1 jumbo ARM | ![]() |
4.21% |
3/1 jumbo ARM (interest only) | ![]() |
3.25% |
7/1 jumbo ARM | ![]() |
3.88% |
7/1 jumbo ARM (interest only) | ![]() |
4.25% |
10/1 jumbo ARM | ![]() |
4.09% |
2/28 ARM | ![]() |
6.63% |
3/27 ARM | ![]() |
6.75% |
2/28 ARM refi | ![]() |
6.63% |
3/27 ARM refi | ![]() |
6.75% |
40 yr fixed mtg | 7.75% | 0.00% |
30 yr fixed mtg | ![]() |
4.39% |
15 yr fixed mtg | ![]() |
3.71% |
1 yr ARM | ![]() |
3.98% |
30 yr fixed jumbo mtg | ![]() |
4.40% |
30 yr FHA mtg | ![]() |
3.96% |
5/1 ARM | ![]() |
4.03% |
5/1 jumbo ARM | ![]() |
3.83% |
3/1 ARM | ![]() |
4.51% |
7/1 ARM | ![]() |
4.16% |
10/1 ARM | ![]() |
4.43% |
15 yr fixed jumbo mtg | ![]() |
4.19% |
10 yr fixed mtg | ![]() |
3.65% |
20 yr fixed mtg | ![]() |
4.32% |
3/1 ARM (interest only) | ![]() |
3.56% |
5/1 ARM (interest only) | ![]() |
3.94% |
5/1 jumbo ARM (interest only) | ![]() |
3.97% |
7/1 ARM (interest only) | ![]() |
4.75% |

Updated 02/08/2019
Loan Type | This Week | Last Week |
---|---|---|
$30K HELOC FICO | ![]() |
2.20% |
$30K home equity loan FICO | ![]() |
4.24% |
$30K high LTV home equity loan FICO | ![]() |
4.50% |
$75K home equity loan FICO | ![]() |
3.49% |
$75K HELOC FICO | ![]() |
1.99% |
$50K home equity loan FICO | ![]() |
3.49% |
$50K HELOC FICO | ![]() |
3.05% |
$50K high LTV home equity loan FICO | ![]() |
4.50% |
$75K high LTV home equity loan FICO | ![]() |
4.50% |
$100K home equity loan | ![]() |
3.71% |
$100K high LTV home equity loan | ![]() |
5.62% |
$100K HELOC | ![]() |
3.05% |

Updated 02/08/2019
Loan Type | This Week | Last Week |
---|---|---|
60 month used car loan | ![]() |
5.03% |
48 month used car loan | ![]() |
5.10% |
48 month new car loan | ![]() |
4.67% |
36 month used car loan | ![]() |
5.05% |
36 month new car loan | ![]() |
4.62% |
60 month new car loan | ![]() |
4.81% |
36 month auto refinance | ![]() |
3.99% |
48 month auto refinance | ![]() |
3.99% |
60 month auto refinance | ![]() |
4.25% |

Updated 09/18/2018
Loan Type | This Week | Last Week |
---|---|---|
MasterCard® Credit Cards | ![]() |
17.61% |
Visa® Credit Cards | ![]() |
16.81% |
Business Cards | ![]() |
15.28% |
Cards for Bad Credit | ![]() |
17.19% |
Secured Cards | ![]() |
17.47% |
Bad Credit | ![]() |
21.40% |
Good Credit | ![]() |
17.09% |
Excellent Credit | ![]() |
17.57% |
Low Interest Cards | ![]() |
14.43% |
Balance Transfer Cards | ![]() |
18.49% |
Student Cards | ![]() |
16.57% |
Cash Back Cards | ![]() |
18.21% |
Frequent Flyer Cards | ![]() |
17.60% |
Gas Rewards Cards | ![]() |
22.06% |
Rewards Cards | ![]() |
17.72% |

Updated 02/01/2025
Loan Type | Annual | Semi-Annual | Quarterly | Monthly |
---|---|---|---|---|
Short-term Loan (3 years or less) | 4.34% | 4.29% | 4.27% | 4.25% |
Medium-term Loan (3-9 years) | 4.52% | 4.47% | 4.45% | 4.43% |
Long-term Loan (9+ years) | 4.86% | 4.80% | 4.77% | 4.75% |
View more on AFR info at IRS.gov
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