Current rates
Auto loans—personal loans
All interest rates and annual percentage rates (APR) are current as of today’s date.
Auto loan rates
| Loan term1 | Vehicle model year 2021 – 2026 | Vehicle model year 2015 – 2020 | Vehicle model year 2006 - 2014 |
| Up to 36 monthly payments | APR as low as 4.99% | APR as low as 5.74% | APR as low as 6.99% |
| 48 monthly payments | APR as low as 5.24% | APR as low as 5.99% | Not Available |
| 60 monthly payments | APR as low as 5.24% | APR as low as 5.99% | Not Available |
| 72 monthly payments | APR as low as 5.49% | APR as low as 6.24% | Not Available |
| 84 monthly payments ($50,000 min) | APR as low as 6.24% | Not Available | Not Available |
Personal loan rates
Loan type | Terms | APR (%) as low as |
| Reserve Line of Credit2 | As long as the checking is open | 17.00 |
| Preferred Line of Credit3 | 60 months | 15.24 |
Unsecured Personal Term Loans4
Credit score | Term (months) | APR (%) as low as |
700+ | 36 (up to 60 month term available) | 12.24 |
680-699 | 36 (up to 60 month term available) | 14.24 |
660-679 | 36 (up to 48 month term available) | 16.24 |
620-659 | 36 | 18.00 |
This page was last updated on June 1, 2025.
APR is Annual Percentage Rate.
The Prime Rate as of December 20, 2024, is 7.50%.
The 5-year Treasury Rate as of June 2, 2025, is 4.01%.
Rates are subject to change without notice. Certain restrictions may apply.
All loans and lines of credit are subject to credit application, qualification and approval.
1 Your rate will be determined based on credit score, term and collateral.
Payment examples:
2021 - 2026 auto loans
A $20,000 auto loan with a simple interest rate of 4.99% and a corresponding APR of 4.99% for 36 months equates to a monthly principal and interest payment of $599.33.
A $20,000 auto loan with a simple interest rate of 5.24% and a corresponding APR of 5.24% for 48 months equates to a monthly principal and interest payment of $462.76.
A $20,000 auto loan with a simple interest rate of 5.24% and a corresponding APR of 5.24% for 60 months equates to a monthly principal and interest payment of $379.63.
A $20,000 auto loan with a simple interest rate of 5.49% and a corresponding APR of 5.49% for 72 months equates to a monthly principal and interest payment of $326.66.
A $50,000.01 auto loan with a simple interest rate of 6.24% and a corresponding APR of 6.24% for 84 months equates to a monthly principal and interest payment of $736.19.
2015 - 2020 auto loans
A $20,000 auto loan with a simple interest rate of 5.74% and a corresponding APR of 5.74% for 36 months equates to a monthly principal and interest payment of $606.09.
A $20,000 auto loan with a simple interest rate of 5.99% and a corresponding APR of 5.99% for 48 months equates to a monthly principal and interest payment of $469.61.
A $20,000 auto loan with a simple interest rate of 5.99% and a corresponding APR of 5.99% for 60 months equates to a monthly principal and interest payment of $386.56.
A $20,000 auto loan with a simple interest rate of 6.24% and a corresponding APR of 6.24% for 72 months equates to a monthly principal and interest payment of $333.73.
2006 - 2014 and older auto loans
A $20,000 auto loan with a simple interest rate of 6.99% and a corresponding APR of 6.99% for 36 months equates to a monthly principal and interest payment of $617.45.
2Automatic payment required. Making only the minimum monthly payment during the term of the loan may not fully amortize the outstanding balance and may result in a balloon payment.
3The rate is based on an index (Prime Rate) plus the margin in effect at the time your loan is originated. The rate is variable and will change as and when the Prime Rate changes but in no case will exceed 18% or the maximum rate allowed by the law, whichever is less. Minimum credit score of 700 required. Minimum loan amount of $5,000. Making only the minimum monthly payments during the term of the loan may not fully amortize the outstanding balance and may result in a balloon payment.
4Your rate will be determined based on term and credit score.
Payment Examples:
A $10,000 personal loan with a simple interest rate of 12.24% and a corresponding Annual Percentage Rate (APR) of 12.24% for 36 months equates to a monthly principal and interest payment of $333.29.
A $10,000 personal loan with a simple interest rate of 14.24% and a corresponding Annual Percentage Rate (APR) of 14.24% for 36 months equates to a monthly principal and interest payment of $342.94.
A $10,000 personal loan with a simple interest rate of 16.24% and a corresponding Annual Percentage Rate (APR) of 16.24% for 36 months equates to a monthly principal and interest payment of $352.76.
A $10,000 personal loan with a simple interest rate of 18.00% and a corresponding Annual Percentage Rate (APR) of 18.00% for 36 months equates to a monthly principal and interest payment of $361.52
The Prime Rate as of December 20, 2024, is 7.50%.
The 5-year Treasury Rate as of June 2, 2025, is 4.01%.
Rates are subject to change without notice. Certain restrictions may apply.
All loans and lines of credit are subject to credit application, qualification and approval.
1 Your rate will be determined based on credit score, term and collateral.
Payment examples:
2021 - 2026 auto loans
A $20,000 auto loan with a simple interest rate of 4.99% and a corresponding APR of 4.99% for 36 months equates to a monthly principal and interest payment of $599.33.
A $20,000 auto loan with a simple interest rate of 5.24% and a corresponding APR of 5.24% for 48 months equates to a monthly principal and interest payment of $462.76.
A $20,000 auto loan with a simple interest rate of 5.24% and a corresponding APR of 5.24% for 60 months equates to a monthly principal and interest payment of $379.63.
A $20,000 auto loan with a simple interest rate of 5.49% and a corresponding APR of 5.49% for 72 months equates to a monthly principal and interest payment of $326.66.
A $50,000.01 auto loan with a simple interest rate of 6.24% and a corresponding APR of 6.24% for 84 months equates to a monthly principal and interest payment of $736.19.
2015 - 2020 auto loans
A $20,000 auto loan with a simple interest rate of 5.74% and a corresponding APR of 5.74% for 36 months equates to a monthly principal and interest payment of $606.09.
A $20,000 auto loan with a simple interest rate of 5.99% and a corresponding APR of 5.99% for 48 months equates to a monthly principal and interest payment of $469.61.
A $20,000 auto loan with a simple interest rate of 5.99% and a corresponding APR of 5.99% for 60 months equates to a monthly principal and interest payment of $386.56.
A $20,000 auto loan with a simple interest rate of 6.24% and a corresponding APR of 6.24% for 72 months equates to a monthly principal and interest payment of $333.73.
2006 - 2014 and older auto loans
A $20,000 auto loan with a simple interest rate of 6.99% and a corresponding APR of 6.99% for 36 months equates to a monthly principal and interest payment of $617.45.
2Automatic payment required. Making only the minimum monthly payment during the term of the loan may not fully amortize the outstanding balance and may result in a balloon payment.
3The rate is based on an index (Prime Rate) plus the margin in effect at the time your loan is originated. The rate is variable and will change as and when the Prime Rate changes but in no case will exceed 18% or the maximum rate allowed by the law, whichever is less. Minimum credit score of 700 required. Minimum loan amount of $5,000. Making only the minimum monthly payments during the term of the loan may not fully amortize the outstanding balance and may result in a balloon payment.
4Your rate will be determined based on term and credit score.
Payment Examples:
A $10,000 personal loan with a simple interest rate of 12.24% and a corresponding Annual Percentage Rate (APR) of 12.24% for 36 months equates to a monthly principal and interest payment of $333.29.
A $10,000 personal loan with a simple interest rate of 14.24% and a corresponding Annual Percentage Rate (APR) of 14.24% for 36 months equates to a monthly principal and interest payment of $342.94.
A $10,000 personal loan with a simple interest rate of 16.24% and a corresponding Annual Percentage Rate (APR) of 16.24% for 36 months equates to a monthly principal and interest payment of $352.76.
A $10,000 personal loan with a simple interest rate of 18.00% and a corresponding Annual Percentage Rate (APR) of 18.00% for 36 months equates to a monthly principal and interest payment of $361.52