Best Personal Loans from TD Bank of January 2023

Product from TD Bank is an option for applicants with Poor (300-579) credit score ⭐ Read on to find the interest rate (APR) and online application requirements.

Updated November 18, 2022
4.39 out of 5
Learn more

Check your personal loan rates

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APR Range
6.99 - 19.99%
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Amount
up to $50,000
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Term
up to 60 months
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Minimum credit score:
Poor (300-579)
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No early payoff penalty
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No origination fee

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Options

  • Loan purpose:
    Personal Loan
  • Bank:
  • Credit Level:
    Poor (300-579)
  • When funds are available:
    1 business day.

Fees

  • Origination fee
    No origination fee.
  • Application fee
    No application fee.
  • Early payment fee
    No early payment fee.
  • Extra payment fee
    No extra payment fee.
  • Late fee
    5%
  • Check processing fees
    No check processing fee.
  • Returned check fees
    No returned check fee.
  • Annual fees
    No annual fee.

Pros & Cons

Pros:
  • No origination fee
  • Fast funding
  • Low APR
Cons:
  • $2,000 minimum loan
  • Not available in every state

Rates

Rates
6.99 - 19.99%
Term
36 - 60 months
Loan Amount
$2,000 - $50,000
List of states where TD Bank loan is not available:
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • District of Columbia
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Mexico
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Wisconsin
  • West Virginia
  • Wyoming
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
View all Rates & Fees

Requirements

  • What you need to get approved (Qualifications)
    FICO® score 700 or higher.
  • Ages

    You need to be 18 or older and a U.S. citizen.

  • Residence

    Individual borrowers must have a valid social security number and a valid checking account.

  • Requirements Description
    • Personal information (Name, Address, Phone Number, Date of Birth, Social Security Number)
    • Income Particulars (Income Type, Pay Method, Pay Frequency, Monthly Income)
    • Banking Details (Account Type, Account & Routing Numbers, Age of Account)

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Description

  • TD Bank offers personal loans with amounts ranging from $2,000 to $50,000.

    The APR range is from 6.99% to 19.99%.

    There's no origination fee, monthly fee, annual fee, or prepayment fee. The only fee is for late payments, and it's 5% of the minimum payment due or $10, whichever is less.

    TD Fit Loans are available to residents of CT, NJ, DE, NY, Washington, D.C., NC, FL, PA, ME, RI, MD, SC, MA, VT, NH and VA.

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