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The interest rates of personal loans offered by various banks and NBFCs are as follows:

BankInterest RatesProcessing Fees
Toronto-Dominion Bank10.50% to 12.99%1.60% of the Loan Amount
SunTrust Banks11.55% to 13.05%As offered by the lender 
 BB&T Bank15.75% to 24%1.50% to 2.00 % 
USAA BankStarting from 12.99%Up to 3.99% of the loan amount
Citibank11.35% to 16.35%2% of the loan amount
Santander GroupStarting from 13.10%One time @ 2.00% of loan amount
TCF BankStarting from 15%1.00% of the Loan Amount
Pentagon Federal Credit Union13.00% to 16.50%0.5% of the Loan Amount
Suncoast Credit UnionMCLR (12M) + 3.00%Rs 500 + S.T
Arvest BankStarting from 10.99%Upto 2.75% of loan amount
Discover Financial Services12.95% to 13.95%1.50% of the loan amount
Regions Financial CorporationStarting from 11.49%0.50% of loan amount
PNC Financial ServicesStarting from 12%Upto 6.5% of the loan amount
Bank of America11.25% to 21.50%Up to 2.50% of the loan amount
Chase Bank10.75% to 17.84%Up to 1% of the disbursed loan amount
Cash Advance America11.50% to 19.25%Up to 2.25% per annum of loan amount
Big Easy CashStarting from 12%1% of the Loan Amount
Speedy CashStarting from 11.5%Up to 2% of the loan amount
Cash FinderStarting from 14.20%0.51% on the Loan Amount
Instant Loan MakerStarting from 10.75%Upto 2.5% of the loan amount plus tax
South State Bank11.29% to 19.99%Up to 2.5% of the loan amount
Cathay Bank14.50%As applicable by the lender
MidFirst BankStarts from 12%1.80% of the loan amount
Webster BankStarting from 12% 4% of the loan amount
BankUnitedStarting from 11.99%Upto 3% of the loan amount
East West BankStarting from 11%1% of the loan amount
People’s United Financial13.25% to 13.65%0.50% of the loan amount
AmeripriseStarting from 11.25%Up to 2.5% of the loan amount 
KeyCorpStarting from 11.70%1% of the loan amount
BarclaysStarting from 14.40%0.50% of the total Loan
Capital OneStarting from 10.75% Up to 2.50% of the loan amount

Interest rates by various banks and NBFCs are offered depending on the applicant’s profile and are influenced by many factors including an individual’s age, credit score, repayment history, employer, etc.

Documents for Salaried Individuals

  • Proof of identity (a copy of Passport/Voter ID Card/Driving License/Aadhaar)
  • Proof of residence (a copy of Passport/ Voter ID Card/ Driving License/ Aadhaar/Leave and License Agreement/ Utility Bill of not more than 3 months)
  • A copy of latest salary slip/current dated salary certificate with the latest Form 16
  • Bank statement of previous 3 months
  • 2 passport size photographs

Documents for Self-Employed Individuals

  • Proof of identity (a copy of Passport/Voter ID Card/Driving License/Aadhaar
  • Proof of residence (a copy of Passport/Voter ID Card/Driving License/Aadhaar/Leave and License Agreement/Utility Bill of not more than 3 months)
  • Proof of income (audited financials for the last 2 years)
  • Proof of office address
  • Proof of office ownership
  • Proof of continuity of business
  • Latest 6 months bank statement
  • Two passport size photographs

Personal Loan EMI Calculator Table

To get an idea about how personal loan EMIs are computed, take a look at the table given below:

Loan Amount

Interest Rate

EMI for 1 Year

EMI for 2 Years

EMI for 3 Years

EMI for 4 Years

EMI for 5 Years




































$5000 Above


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