At a Glance
Rates & Fees
Key Features
Check personalized options with a soft credit inquiry
No application or origination fee
Fixed-rate loans with next-business-day funding possible
Pros & Cons
Pros
- Competitive starting APR
- No origination or prepayment fees
- Fast funding
Tradeoffs
- Available only in select East Coast and Southern states
- Terms limited to 36–60 months
- Cannot be used for business or education expenses
How to Apply
Check your rate with TD Bank — most personal loan lenders let you pre-qualify with a soft credit check that doesn't affect your credit score.
Compare the estimated APR, term, and monthly payment against at least one other lender before committing.
Gather proof of income, identification, and bank account details for the formal application.
Submit the full application directly on TD Bank's site; approval typically requires a hard credit inquiry.
If approved, review the final loan agreement for the origination fee and funding time (as little as 1 business day) before signing.
How It Compares
Current product highlighted| Product | APR Range | Loan Amount | Origination Fee |
|---|---|---|---|
| TD Fit Loan | 7.99%–23.99% | $2,000–$50,000 | None |
| LightStream Personal Loan | 7.24%–24.89% | $5,000–$100,000 | None |
| SoFi Personal Loan | 6.99%–35.49% | $5,000–$100,000 | None (optional fee for lower rate) |
| LendingClub Personal Loan | 5.96%–35.96% | $1,000–$75,000 | 0–8% |
Rates and terms shown are illustrative as of 2026 and vary based on creditworthiness, income, and loan amount — always confirm current terms directly with the lender.