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TD Bank Personal Loan Calculator, Interest Rates & Overview

Updated 5 March 2024

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TD Bank personal loans overview

From debt consolidation and home repairs to vacations and weddings, you can apply for a flexible personal loan from TD Bank. On top of great rates and loan terms, you can enjoy personalized offers, minimal fees, and quick funding. Plus, TD Fit loans are unsecured, so you don’t have to worry about collateral.

Want to see what a TD personal loan will cost? Try the TD Bank personal loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Key features

Minimum loan amount: $2,000.
Maximum loan amount: $50,000.
Interest rates: 8.99% to 23.99% APR depending on the credit card.
Loan terms: 36 to 60 months.
Loan fees: No application or origination fees
Discounts: Undisclosed.

TD Bank personal loan options

TD Fit loans

TD Bank offers personal loans with competitive rates ranging from 8.99% to 23.99% APR and repayment terms up to 60 months. No matter what you need to finance, you can borrow from $2,000 to $50,000. However, a TD Fit loan is only available to residents in select states.

TD personal loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$20,000

Term

3 months

Change

TD Bank personal loans

Estimated Month Repayments

$11,650 Inclusive of fees

Interest Rate

699.00%
APR

Repayment Period

36 months
to 60 months

Loan Amounts

$2,000
to $50,000

Go to site

Get the money you need to do the things you want. From vacation to renovation to debt consolidation - we have solutions to help you access many of life's opportunities.

Featured

Wells Fargo personal loans

Estimated Month Repayments

$606 Inclusive of fees

Interest Rate

5.74%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$3,000
to $10,000

Go to site

Checking and savings accounts and credit cards for your everyday business expenses and cash management.

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Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments

$848 Inclusive of fees

Interest Rate

29.90%
APR

Repayment Period

12 months
to 12 months

Loan Amounts

$1,000
to $20,000

Go to site

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a TD personal loan

Eligibility criteria

Even if TD Bank doesn’t disclose the criteria for personal loans, you commonly need to be:

18 years old or older
A legal resident
Employed or have a dependable source of income

Remember that your loan is subject to credit approval. So, it also helps to have a low debt-to-income ratio (DTI) and a high credit score. These will show lenders that you’re a responsible borrower. In turn, you may have more opportunities to qualify for lower rates and better terms.

What you’ll need to have ready

Personal details

When you apply for personal financing with TD Bank, you’ll be asked to provide personal information such as:

An email address
Your full name
Address
Social Security number
Employment information
Income details
U.S. citizenship status
A list of monthly expenses

Documents

You can apply for the loan directly on TD’s website. During your application, you might need to supply additional documents or information. These may relate to your source of income, bank account details, and address history.

Though there are benefits to getting a personal loan, only borrow what you need. This way, you ensure that you can still comfortably manage your personal loan in the long run.

Ways to apply for a TD Bank personal loan

Apply online by clicking the GO TO SITE link in the table below
Visit a branch
Call 1-877-300-4020

Additional TD personal loan details

Automatic payment: Available.

Loan approval times: As soon as 1 business day.

Rate discounts: Possible lower rates for credit-worthy applicants.

Repayment frequency: Monthly.

Late payment fees: 5% of the minimum payment due or $10 (whichever is lower).
Prepayment penalty: $0.

Co-borrowers allowed: Undisclosed.
Co-signers: Undisclosed.

Hardship program: Call 1-800-556-8172 for payment assistance options.

Ways to repay:Online, by mail, over the phone, and in person.

PROS AND CONS

Pros

Competitive rates.
Flexible terms.
No application or origination fees.
No prepayment penalties.
Unsecured, so no collateral needed.
Quick funding.
Fixed interest rates for predictable payments.
Easy online application.
Soft credit check available.

Cons

Only available in CT, NJ, DE, NY, Washington, D.C., NC, FL, PA, ME, RI, MD, SC, MA, VT, NH, and VA
5% or $10 late fee.
Potential higher rates for borrowers with low credit scores.

FREQUENTLY ASKED QUESTIONS

How much interest does TD charge on loans?

TD Bank personal loans have interest rates ranging from 8.99% to 23.99% APR. Note though that your interest rate can vary based on different factors, like your credit and term.

Are TD Bank personal loans fixed or variable?

TD Fit loans have fixed interest rates.

What is the maximum loan term of a TD personal loan?

You can have a max loan term of 60 months.

How much do I qualify for with a TD Bank personal loan?

You may borrow from $2,000 to $50,000.

What information do I need to provide when applying for a TD Fit loan?

You need your personal and contact information, like your address, phone number, and Social Security number. Plus, TD Bank will also ask about your income, employment, and rent, mortgage, or monthly payment.

How long does it take for a TD Bank loan to be paid in my account?

You may get the funds the next business day if you’re approved by 4:30 p.m. ET Monday to Friday. Remember though that it may take up to 3 days depending on your bank.

Can I repay my TD personal loan early?

Yes. TD Bank’s personal loans don’t have prepayment penalties.

How to pay my TD Bank personal loan?

You have multiple ways to pay your personal loan – online, through mail, over the phone, and in person.

TD Bank Personal Loan Calculator, Interest Rates & Overview