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  • Personal loan
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    PNC Bank
    Personal loan
    Rate 9.750 Tue Mar 03
    Posted: 3/3/2015
  • 9.750
  • Additional .25% disc available w/auto debit; $50 fee
  • Personal loan
  • Call
    TD Bank, NA
    Personal loan
    Rate 10.460 Tue Mar 03
    Posted: 3/3/2015
  • 10.460
  • Additional .25% disc w/auto debit; $50 fee
  • = Contact information

Loan calculator and Amortization

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Product: A personal loan is a loan from a lender that is not secured by any property. Rates tend to be similar to those of credit cards, which are another type of unsecured loan.

Lender: The organization lending the money. This survey group includes banks, thrifts and other representative institutions.

Rate: The process by which your loan payment is calculated to pay off the debt at the end of a fixed period, including interest on the outstanding balance.

Fees and conditions: Any discounts or rate reductions for having payments automatically debited from another account.

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Personal loan tip
Before taking out a personal loan, think about other options of where you could get the money, such as your home equity, your 401(k) or even a friend or relative who is well-to-do. These choices may be a better bet than borrowing from a bank without collateral.
Personal loan tip
Credit unions often offer better interest rates than major banks. If you need to acquire an unsecured loan, a credit union can sometimes get you a rate that's as much as 2 percent less.
Personal loan tip
Look for hidden fees when getting a personal loan. The best way to do this is ask your loan officer lots of questions. Find out what the total cost of the loan is and its associated fees. If you can't understand why a certain fee is being charged, ask why it's there.
Quality Assurance
Compare rates with confidence. Rates are accurate and available as of the date seen for Bankrate customers. Identify yourself as a Bankrate consumer to get the Bankrate.com rate.

Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you. Please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. For an explanation of abbreviations used in the column headers, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.

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