Key Lending Rates
Updated 10/29/2025
| Loan Type | Small Loan | Medium Loan | Jumbo Loan | |||
|---|---|---|---|---|---|---|
| Avg. | Med. | Avg. | Med. | Avg. | Med. | |
| Blended Personal Loan (Short Term) | - | - | - | - | - | - |
| Blended Personal Loan (Medium Term) | 5.00% | 5.00% | 8.00% | 8.00% | 7.05% | 5.00% |
| Blended Personal Loan (Long Term) | - | - | - | - | 6.01% | 4.50% |
| Personal Real Estate Loan (Short Term) | - | - | - | - | - | - |
| Personal Real Estate Loan (Medium Term) | 5.00% | 5.00% | 8.00% | 8.00% | 4.37% | 4.10% |
| Personal Real Estate Loan (Long Term) | - | - | - | - | 6.34% | 5.36% |
| Personal Education Loan (Short Term) | - | - | - | - | - | - |
| Personal Education Loan (Medium Term) | - | - | 3.80% | 3.80% | - | - |
| Personal Education Loan (Long Term) | - | - | - | - | - | - |
| Personal Business Loan (Short Term) | - | - | - | - | 10.01% | 10.01% |
| Personal Business Loan (Medium Term) | - | - | 10.00% | 10.00% | - | - |
| Personal Business Loan (Long Term) | - | - | - | - | - | - |
| Personal Auto Loan (Short Term) | - | - | - | - | - | - |
| Personal Auto Loan (Medium Term) | - | - | 6.62% | 6.62% | - | - |
| Personal Auto Loan (Long Term) | - | - | - | - | - | - |
| Personal Debt Consolidation Loan (Short Term) | - | - | - | - | - | - |
| Personal Debt Consolidation Loan (Medium Term) | 10.00% | 10.00% | 5.90% | 5.90% | 5.00% | 5.00% |
| Personal Debt Consolidation Loan (Long Term) | - | - | - | - | - | - |
| Personal Discretionary Spending Loan (Short Term) | - | - | - | - | - | - |
| Personal Discretionary Spending Loan (Medium Term) | - | - | - | - | 9.06% | 8.13% |
| Personal Discretionary Spending Loan (Long Term) | - | - | - | - | 5.47% | 4.50% |
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% |
8.30% |
| Personal Loan | 
11.45% |
11.52% |
Updated 02/08/2019
| Loan Type | This Week | Last Week |
|---|---|---|
| 1 yr jumbo ARM |
3.94% |
3.94% |
| 3/1 jumbo ARM |
4.21% |
4.21% |
| 3/1 jumbo ARM (interest only) |
3.25% |
3.25% |
| 7/1 jumbo ARM |
3.85% |
3.88% |
| 7/1 jumbo ARM (interest only) |
4.22% |
4.25% |
| 10/1 jumbo ARM |
4.04% |
4.09% |
| 2/28 ARM |
6.63% |
6.63% |
| 3/27 ARM |
6.75% |
6.75% |
| 2/28 ARM refi |
6.63% |
6.63% |
| 3/27 ARM refi |
6.75% |
6.75% |
| 40 yr fixed mtg | 7.75% | 0.00% |
| 30 yr fixed mtg |
4.35% |
4.39% |
| 15 yr fixed mtg |
3.68% |
3.71% |
| 1 yr ARM | 
4.00% |
3.98% |
| 30 yr fixed jumbo mtg |
4.39% |
4.40% |
| 30 yr FHA mtg |
3.93% |
3.96% |
| 5/1 ARM |
3.98% |
4.03% |
| 5/1 jumbo ARM |
3.81% |
3.83% |
| 3/1 ARM |
4.65% |
4.51% |
| 7/1 ARM |
4.10% |
4.16% |
| 10/1 ARM |
4.39% |
4.43% |
| 15 yr fixed jumbo mtg |
4.21% |
4.19% |
| 10 yr fixed mtg |
3.65% |
3.65% |
| 20 yr fixed mtg |
4.30% |
4.32% |
| 3/1 ARM (interest only) |
3.56% |
3.56% |
| 5/1 ARM (interest only) |
3.94% |
3.94% |
| 5/1 jumbo ARM (interest only) |
3.97% |
3.97% |
| 7/1 ARM (interest only) |
4.75% |
4.75% |
Updated 02/08/2019
| Loan Type | This Week | Last Week |
|---|---|---|
| 1 yr jumbo ARM |
3.94% |
3.94% |
| 3/1 jumbo ARM |
4.21% |
4.21% |
| 3/1 jumbo ARM (interest only) |
3.25% |
3.25% |
| 7/1 jumbo ARM |
3.85% |
3.88% |
| 7/1 jumbo ARM (interest only) |
4.22% |
4.25% |
| 10/1 jumbo ARM |
4.04% |
4.09% |
| 2/28 ARM |
6.63% |
6.63% |
| 3/27 ARM |
6.75% |
6.75% |
| 2/28 ARM refi |
6.63% |
6.63% |
| 3/27 ARM refi |
6.75% |
6.75% |
| 40 yr fixed mtg | 7.75% | 0.00% |
| 30 yr fixed mtg |
4.35% |
4.39% |
| 15 yr fixed mtg |
3.68% |
3.71% |
| 1 yr ARM |
4.00% |
3.98% |
| 30 yr fixed jumbo mtg |
4.39% |
4.40% |
| 30 yr FHA mtg |
3.93% |
3.96% |
| 5/1 ARM |
3.98% |
4.03% |
| 5/1 jumbo ARM |
3.81% |
3.83% |
| 3/1 ARM |
4.65% |
4.51% |
| 7/1 ARM |
4.10% |
4.16% |
| 10/1 ARM |
4.39% |
4.43% |
| 15 yr fixed jumbo mtg |
4.21% |
4.19% |
| 10 yr fixed mtg |
3.65% |
3.65% |
| 20 yr fixed mtg |
4.30% |
4.32% |
| 3/1 ARM (interest only) |
3.56% |
3.56% |
| 5/1 ARM (interest only) |
3.94% |
3.94% |
| 5/1 jumbo ARM (interest only) |
3.97% |
3.97% |
| 7/1 ARM (interest only) |
4.75% |
4.75% |
Updated 02/08/2019
| Loan Type | This Week | Last Week |
|---|---|---|
| $30K HELOC FICO |
2.20% |
2.20% |
| $30K home equity loan FICO |
4.24% |
4.24% |
| $30K high LTV home equity loan FICO |
4.50% |
4.50% |
| $75K home equity loan FICO |
3.49% |
3.49% |
| $75K HELOC FICO |
1.99% |
1.99% |
| $50K home equity loan FICO |
3.49% |
3.49% |
| $50K HELOC FICO |
3.05% |
3.05% |
| $50K high LTV home equity loan FICO |
4.50% |
4.50% |
| $75K high LTV home equity loan FICO |
4.50% |
4.50% |
| $100K home equity loan |
3.71% |
3.71% |
| $100K high LTV home equity loan |
5.62% |
5.62% |
| $100K HELOC |
3.05% |
3.05% |
Updated 02/08/2019
| Loan Type | This Week | Last Week |
|---|---|---|
| 60 month used car loan |
5.04% |
5.03% |
| 48 month used car loan |
5.15% |
5.10% |
| 48 month new car loan |
4.7% |
4.67% |
| 36 month used car loan |
5.1% |
5.05% |
| 36 month new car loan |
4.65% |
4.62% |
| 60 month new car loan |
4.83% |
4.81% |
| 36 month auto refinance |
4.25% |
3.99% |
| 48 month auto refinance |
4.25% |
3.99% |
| 60 month auto refinance |
4.5% |
4.25% |
Updated 09/18/2018
| Loan Type | This Week | Last Week |
|---|---|---|
| MasterCard® Credit Cards |
17.57% |
17.61% |
| Visa® Credit Cards |
16.81% |
16.81% |
| Business Cards |
13.91% |
15.28% |
| Cards for Bad Credit |
17.79% |
17.19% |
| Secured Cards |
17.00% |
17.47% |
| Bad Credit |
21.40% |
21.40% |
| Good Credit |
17.09% |
17.09% |
| Excellent Credit |
17.57% |
17.57% |
| Low Interest Cards |
14.43% |
14.43% |
| Balance Transfer Cards |
18.49% |
18.49% |
| Student Cards |
15.35% |
16.57% |
| Cash Back Cards |
18.21% |
18.21% |
| Frequent Flyer Cards |
17.60% |
17.60% |
| Gas Rewards Cards |
21.24% |
22.06% |
| Rewards Cards |
17.72% |
17.72% |
Updated 11/01/2025
| Loan Type | Annual | Semi-Annual | Quarterly | Monthly |
|---|---|---|---|---|
| Short-term Loan (3 years or less) | 3.69% | 3.66% | 3.64% | 3.63% |
| Medium-term Loan (3-9 years) | 3.83% | 3.79% | 3.77% | 3.76% |
| Long-term Loan (9+ years) | 4.62% | 4.57% | 4.54% | 4.53% |
View more on AFR info at IRS.gov
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