Current loan rates for auto, personal, and secured loans

Explore our current loan rates for auto, personal, and secured loan options. Whether you’re purchasing a vehicle, consolidating debt, or planning for a larger expense, we offer competitive rates designed to fit your needs.
 
Apply online or connect with one of our bankers to find the option that’s right for you. Call 1‑800‑288‑3425.
 

 

Today's loan rates

Rates current as of  June 1, 2026. Rates are subject to change without notice.
 
 

Fixed-rate auto & truck loan rates

Finance new or used vehicles with a fixed interest rate that keeps your monthly payment consistent over the life of the loan.
 
Term** Rate (New Purchase) Rate (Used or Refinance)
12 months 4.99% APR* 4.99% APR*
24 months 4.99% APR*
 4.99% APR*
36 months 4.99% APR*
 4.99% APR*
48 months 4.99% APR*
 4.99% APR*
60 months 4.99% APR*
 4.99% APR*
72 months 4.99% APR* 4.99% APR*
84 months 5.39% APR* NA
 
Payment example: A 60 month $25,000 fixed rate secured new auto loan at  4.99% APR* has an approximate monthly payment of $471.67.
 
 

Fixed-rate secured loan rates

Borrow against eligible collateral with a fixed rate and predictable payments throughout your loan term.
 
Term** Rate
12 months 6.79% APR*
24 months 6.79% APR*
36 months 6.79% APR*
48 months 6.89% APR*
60 months 6.99% APR*
72 months 7.19% APR*
120 months 7.99% APR*
 
Payment example: A 60 month $20,000 fixed rate secured loan at 6.99% APR* has an approximate monthly payment of $395.93.
 
 

Variable-rate secured loan rates

Take advantage of potentially lower starting rates with a secured loan, with rates that may adjust over time based on market conditions. Includes boat, trailer, travel trailer, motorcycle, autos or stock loans.
 
Approximate Term** Rate
60 months (approx.) 5.75% APR*
108 months (approx.)
5.75% APR*
 
Payment example: A 108 month $10,000 variable rate secured loan at 5.75% APR* has an approximate monthly payment of $118.82. Rate subject to change and may increase quarterly. Maximum rate 18% APR*.
 
 

Variable-rate unsecured line of credit rates

Access flexible funds as needed with a revolving line of credit, featuring a variable rate that may change periodically.
 
Type Rate
Variable rate (subject to change quarterly)
 15.25% APR*
 
Payments are 2.8% of the principal balance owed on the billing date (minimum payment of $28). This line of credit can also be used for overdraft protection.
Rate subject to change and may increase quarterly. Maximum rate 18% APR*.
 
 

Personal loans - no security required

Get the funds you need without collateral, with fixed rates and set payments for predictable budgeting.
 
Term** Rate
12 months 11.99% APR*
24 months 11.99% APR*
36 months 11.99% APR*
48 months 11.99% APR*
60 months 11.99% APR*
 
Payment example: A 60 month $10,000 no security required personal loan at 11.99% APR* has an approximate monthly payment of $222.39. 
 
 

Ready to take the next step?

Whether you’re financing a vehicle, consolidating debt, or exploring your options, Think Bank is here to help.
 
Apply online today or speak with a banker at 1‑800‑288‑3425.
 

 
*APR = Annual Percentage Rate.

**The loan term will be based upon the dollar amount of the loan and the age and type of collateral.