With low rates and flexible terms, Laurel Road offers personal loans that fit your needs. Get rates in as little as five minutes and if approved receive funds in about five business days from approval.Apply Now
Complete the entire process online from home at your pace
Fixed APRs as low as 8.01%
Eligible for discount of 0.25% when monthly payments are made automatically from a bank account
Money disbursed directly to your bank account
These calculations are only an estimate. Your actual payments will depend on the actual amount for which you are approved. Eligibility and rates offered will depend on your credit profile, total monthly debt payments, and income. Rates in the above calculations include a 0.25% discount for making automated payments from a bank account. Read important additional information below.
Eligibility and rates offered will depend on your credit profile, total monthly debt payments, and income. Rates in the above table include a 0.25% discount for making automated payments from a bank account. Read important additional information below.
All U.S. Citizens or permanent residents with a valid I-551 card (which must show a minimum of 10 years between “Resident Since” date and “Card Expires” date) are eligible to apply for a Laurel Road Personal Loan. Loan eligibility also depends on your credit history and financial profile.
Laurel Road recognizes that the best borrowers are those that carry lower risk. We have a team of financial experts that work to assess the rates we can offer based on risk criteria and since we work with credit worthy borrowers, we are able to offer favorable rates.
Our personal loans are unsecured.
* Terms and conditions apply.
PERSONAL LOAN – RATE DETAILS, TERMS AND CONDITIONS
Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Mortgage lending is not offered in Puerto Rico. All loans are provided by KeyBank National Association.
As used throughout these Terms & Conditions, the term “Lender” refers to KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest.
ANNUAL PERCENTAGE RATE (“APR”)
This term represents the actual cost of financing to the borrower over the life of the loan expressed as a yearly rate.
FIXED APR – Standard Personal Loan
Loans are available in terms ranging from 3 to 5 years, and with APRs ranging from 8.26% per year to 14.05% per year for a 3 year loan, 9.41% per year to 15.45% per year for a 4 year loan, and 10.36% per year to 16.55% per year for a 5 year loan.
Monthly payments can range from $196.83 to $327.34 for a $10,000 loan. Monthly payments can range from $885.76 to $1,473.03 for a $45,000 loan.
The interest rate you are offered will depend on your credit profile, income, and total debt payments.
Authorizing the loan servicer or lender to automatically deduct monthly payments from a bank of your choice. Borrowers receive a 0.25% rate discount if they pay via Automatic Payment.
Lender has no origination fees.
Minimum loan amount of $1,000. Maximum amount of $35,000 for loan purposes of Auto Purchase, Business, Green Loan, Moving Expenses, and Other. Maximum loan amount of $45,000 for loan purposes of Debt Consolidation, Major Purchase, and Home Improvement. Additional proof of use documentation is required to be eligible for loan amounts in excess of $35,000.
Must be a U.S. Citizen, or Permanent Resident with a valid I-551 card and meet Lender underwriting criteria (including, for example, employment, debt-to-income, disposable income, and credit history requirements).
The repayment of any loan will commence immediately after disbursement by Lender.
KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of April 3, 2019 and is subject to change.