TD Bank Personal Loans

TD Bank has 4 different types of secured and unsecured personal loans but you might have a $50 origination fee. To avoid any origination fees come take out a Check City Personal Loan!

TD Bank offers an unsecured personal express loan (known as their TD Express Loan), an unsecured personal loan, an unsecured personal line of credit, and a secured personal loan. They all have slightly different terms, rates, and other details so you have a few choices when getting a personal loan from TD Bank. Their personal loans are most often used for vacations, home renovations, or debt consolidation.

TD Bank Personal Loans: A Quick Look

TD Bank offers both secured and unsecured personal loans. A secured loan means that the loan customer puts up some kind of collateral, like a savings account, while an unsecured loan doesn’t require any collateral. They also offer shorter loan terms of 12 to 60 months.

TD Bank Unsecured Personal Loan (Express Loan)

Loan Amount: $2,000 to $25,000

Rates: 6.99% to 18.99% APR

Fees: no origination or application fees

Terms: 12 to 60 months (1 to 5 years)

TD Bank Unsecured Personal Loan

Loan Amount: $2,000 to $50,000

Rates: 6.99% to 18.99% APR *fixed rate with 0.25% discount for setting up autopay

Fees: no origination or application fees

Terms: 12 to 60 months (1 to 5 years)

TD Bank Unsecured Personal Line of Credit

Loan Amount: $2,000 to $50,000

Rates: 9.75% to 14.75% APR *0.25% discount if you have a TD checking account

Fees: $25 annual fee

TD Bank Secured Personal Loan

Loan Amount: $5,000 to $50,000

Rates: 7.17% APR *variable rate that’s adjusted monthly

Fees: $50 origination fee

Terms: 12 to 60 months (1 to 5 years)

Basically, personal loans from TD Bank are best for those who already have TD bank accounts and want to enroll in autopay because they will get the most discounts. Generally, their funds take 48 hours to deposit after your application has been accepted. Customers with a 660 credit score or higher have the best chance of getting approved and getting the best rates.

Who are TD Bank Personal Loans Perfect For?

Just like every loan customer is different, every loan provider is different as well. This is why research is important whenever you’re shopping for financial services, so you can get the best rates and terms for you. TD Bank personal loans are a good option for anyone who already has a checking account with TD Bank. They’re also a good choice for anyone who needs a loan to help pay for major purchases like home repairs or debt consolidation.


  • Some loan options have fixed interest rates
  • Some loan options don’t have fees
  • Get rate discounts for having a TD Bank account
  • Get rate discounts for enrolling in autopay

Who Should NOT Get a TD Bank Personal Loan?

If your credit score is less than fair, it may be worth it to keep researching loan providers before settling with a TD Bank personal loan. They also only offer personal loans for the specific states they operate in, so if there isn’t a TD Bank in your state this option may not be available to you.


  • Takes around 48 hours for funds to drop
  • Some loan options have origination fees and annual fees
  • Need a 660 credit score or higher
  • Some loan options have variable rates that change monthly

An Alternative to TD Bank Personal Loans

Maybe a TD Bank personal loan isn’t right for you and that’s ok! There are still plenty of loan options out there for you to discover, like the Check City Personal Loan! At Check City you have the option to take out smaller loan amounts and pay them back in a matter months instead of years. If you just want some easy, quick, and secure lending, then Check City is the lender you need.

Reasons to Get a Check City Personal Loan:

TD Bank personal loan review

Direct Lender. Check City is a direct lender, meaning they handle your loan and loan application directly.

State Licensed Lender. Check City is a state licensed lender in each state they operate in.

Fast Online Application. Check City loan applications are simple and easy to fill out. They only take a matter of minutes to complete.

Low Credit? No Problem! Even if you have a low credit score you can still apply for a Check City personal loan.

No Origination Fee. Check City won’t charge you just for starting an account.

FAST FUNDS. Visit a Check City store to apply and you can walk away with your cash today!

Shorter Loan Terms and Smaller Loan Amounts. Not everyone needs a giant loan that takes years to pay off. At Check City, you can get smaller loan amounts that are easier and faster to pay off.

How to Apply for a Check City Personal Loan

All you need is a few short minutes to complete an online application for a Check City Personal Loan. You don’t need a lot to apply either! Just the listed items below:

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online. You can also apply for a Check City personal loan over the phone or in the store.

Apply in the Store. If you apply for your loan in the store, you can actually walk out with your money in that very same visit!

Or call Check City’s Loans By Phone number: 800-404-0254

The Check City personal loan was created for everyone. Anyone can apply and get their funds FAST with our simple streamlined loan process. Don’t hesitate to give us a call, pull up our website, or visit your neighborhood’s Check City store to get your money now.


Check City Citibank Citizens Bank Marcus by Goldman Sachs TD Bank Personal Loan
Amount $300 to $3,000 $2,000 to $50,000 $5,000 to $50,000 $3,500 to $40,000 $2,000 to $50,000
Rates lower APR than our payday loans 7.99% to 23.99% 6.78% to 20.88% 6.99% to 28.99% 6.99% to 18.99%
Fees no origination fees no origination fee no application fee, no annual fee, no late fee no sign-up or prepayment fees no origination or application fees
Terms 6 months 12 to 60 months 36 to 84 months 36 to 72 months 12 to 60 months
Min. Credit Score none high credit score 680 660 660

You don’t have to settle for less when it comes to your personal loan choices. There are many personal loan options available for all kinds of loan customers. You have your own loan requirements when shopping for a loan and with a little research, you can find the best personal loan for you.