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  TD Bank Personal Loans
TD Bank Personal Loans
in Personal Loans from TD Bank
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TD Bank Personal Loans

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in Personal Loans from TD Bank
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

APR  (Fixed APR) 6.99% - 19.99%
Loan Amount $2,000 - $50,000
Loan Term (Months) 36 - 60 months

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 is available in 15 states (and Washington, DC).

Key Takeaways

  • APRs starting at 6.99%. Personal loan interest rates typically range between 5% and 36%. The starting rates for TD Bank Personal Loans are on the lower end of the spectrum.
  • Fast access to funds. In some cases, you can 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

Pros Cons
  • Low APRs available to qualified borrowers.
  • $0 prepayment fee.
  • Loan options with $0 origination fee.
  • Funding available within business day.
  • Do not offer pre-approval with soft credit pull.
  • Charges a late fee of up to $10.

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.

TD Bank Personal Loans Interest Rates & Loan Terms
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, go with lenders that don’t charge origination fees.

Does TD Bank Personal Loans charge a late fee?

No, TD Bank Personal Loans will not charge you a late fee if you miss one of the monthly 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.

TD Bank Personal Loans Fees
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. TD Bank Personal Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via TD Bank Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by TD Bank Personal Loans. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of identity
TD Bank Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • 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 approve (or deny) a loan application within 1 hour and fund loans within business day of approval.

    Does TD Bank Personal Loans report your account activity to credit bureaus?

    Yes, TD Bank Personal Loans reports your account activity to the following credit reporting agencies:

    • 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 improve your credit.

    Is TD Bank a legit company?

    TD Bank was founded in 1855, it is a well-established company that has been in business for 167 years.

    Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

    SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    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.

    Availability

      Available in 15 states and Washington, D.C.
    • Connecticut
    • Washington, DC
    • Delaware
    • Florida
    • Massachusetts
    • Maryland
    • Maine
    • North Carolina
    • New Hampshire
    • New Jersey
    • New York
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • Virginia
    • Vermont

    Feature Breakdown

    Late Fee Amount Up to $10
    No Origination Fee
    No Prepayment Fee
    Origination Fee ($) $0
    Origination Fee (%) 0%
    Employment Statuses Considered
    • Other
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Active Duty Military
    • Non-Military
    • Veterans
    • Military Dependent
    Minimum Age 18
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Cash
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    Verification Documents Required
    • Driver License (or other photo ID)
    • Proof of Income
    • Proof of Identity
    • Government Issued Photo ID
    • Social Security Number
    Approval Speed 1 hour
    Credit Bureau Reporting
    • Experian
    • Equifax
    • TransUnion
    Customizable Payment Dates
    Funding Time Range Starting at 1 day
    Payment Options
    • Automatic Payments
    • Bank Transfer
    APR Type Fixed APR
    Loan Amount $2,000 - $50,000
    APR (Fixed APR) 6.99% - 19.99%
    Loan Term 36 - 60 months

    TD Bank Personal Loans Community Reviews

     

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    SUPERMONEY NET RECOMMENDATION SCORE

    This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

    +100

    Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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