Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
6.99% - 19.99%(Verified 06/21/2024)
Amount Range
$2,000 - $50,000
Loan Term (Months)
36 - 60
TD Bank Personal Loans Review
TD Bank Personal Loans is offered by TD Bank, a bank founded in 1855 and based in Wilmington, DE. TD Bank Personal Loans are available in 15 states and Washington, DC.
Key Takeaways
- APRs starting at 6.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for TD Bank Personal Loans are on the lower end of the spectrum.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- Large loan amounts. You can apply for loan amounts of up to $50,000 with TD Bank Personal Loans .
- No origination fee. TD Bank Personal Loans does not charge a loan origination fee.
TD Bank Personal Loans Pros & Cons
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TD Bank Personal Loans FAQ
What interest rates and personal loan terms does TD Bank Personal Loans offer?
TD Bank Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does TD Bank Personal Loans offer?
TD Bank Personal Loans offers a fixed APR personal loan product that ranges from 6.99% APR up to 19.99% APR.
How much can you borrow via TD Bank Personal Loans?
Personal loan amounts start at $2,000 and go up to $50,000
What is the maximum loan term you can get with TD Bank Personal Loans?
TD Bank Personal Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $2000 - $50000 |
| Loan Term | 36 - 60 months |
| APR | 6.99% - 19.99% |
What fees does TD Bank Personal Loans charge?
Does TD Bank Personal Loans charge an origination fee?
TD Bank Personal Loans does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does TD Bank Personal Loans charge a late fee?
Yes, TD Bank Personal Loans may charge a late payment fee if you miss one of the regularly scheduled payments of up to $10.
Does TD Bank Personal Loans charge prepayment fees?
No, TD Bank Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | 0% |
| Prepayment Fee | No |
| Late Payment Fee | up to $10 |
What do you need to qualify for TD Bank Personal Loans?
TD Bank Personal Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. TD Bank Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by TD Bank Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
What is the estimated funding time for a personal loan via TD Bank Personal Loans?
TD Bank Personal Loans will typically fund loans starting at 1 business day of approval and clearing necessary verifications.
Does TD Bank Personal Loans report your account activity to credit bureaus?
Yes, TD Bank Personal Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does TD Bank perform a hard credit pull?
Yes, TD Bank Personal Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are TD Bank Personal Loans legit?
TD Bank savings accounts was founded in 1855, it is a well-established company that has been in business for 171 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
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Saturday
Closed