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TD Bank Personal Loans

Personal loans at TD Bank are unsecured installment loans with fixed interest rates that can be used for many major life events. With no collateral required, our TD Fit Loan can offer you an alternative to credit cards or other forms of secured financing that requires collateral.

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TD Fit Loan

Explore the Flexibility of TD Fit Loan

Watch this quick video to learn more about why a TD Fit Loan
might be the right fit for you!

Provide your info to get a personalized rate quote

Check my rate

See your rates with no impact to your credit score or log back in if you've already started an application.

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Questions? Call us at 1-877-300-4020

What can a personal loan be used for?

Personal loans provide you fast, flexible access to funds that can be used for many major life events, expenses or consolidating debt, all with one fixed monthly payment.

What you get with a TD Fit Loan

  1. Explore your options with no impact to your credit
    Provide your info to get your personalized loan options—with no commitment or impact to your credit. Like what you see? Apply right away

  2. Fixed interest rate and loan terms
    Get predictable monthly payments on your chosen loan amount from $2,000 to $50,000, with terms from 36 to 60 months1

  3. Fast funds with no application or origination fees
    There are no application or origination fees, and if you're approved, you'll get your funds in as little as one business day1

  1. No prepayment penalties
    Pay your loan off early with no prepayment fee or penalty

  2. 24/7 online account management
    Pay your bill, manage your loan and more online, anytime

See your rates and apply in 3 easy steps

  • 1

    Gather your info

    In addition to basic personal info, you'll need your Social Security Number, employment history and income, and expenses like mortgage or rent.

  • 2

    See your options—with no impact to your credit

    Once you provide your info, you'll see your personalized loan options. Checking your options does not affect your credit score and you'll get your results in as little as 60 seconds.

  • 3

    Select an option and continue to apply

    If one of the options works for you, choose it and continue to apply. At this step, TD will perform a hard credit pull, which can affect your credit score. You'll verify your info and get a decision on your loan by email.

Ready to get started?

  • Get your personalized loan options

    Check your options with no impact to your credit score. Like what you see? Choose one and continue to apply. You can also log back in if you've already started an application.

    Check my rate

  • Talk with a TD Fit Specialist

    One of our TD Fit team members can answer your questions and help you apply.

    Mon–Fri, 9:00 AM–9:00 PM ET
    Sat, 9:00 AM–1:00 PM ET
    Sun, Closed

    1-877-300-4020 1-877-300-4020

Personal Loan FAQs

Personal loans are unsecured installment loans with fixed interest rates that can be used for many major life events. An unsecured loan means you don't need collateral to be issued the loan. With no collateral required, personal loans, like our TD Fit Loan, can offer you an alternative way to access funds and often have a lower interest rate than credit cards.

The interest rate on your personal loan is usually fixed for the term of your loan which means you can expect predictable monthly payments. Your interest rate is based on your financial information and credit worthiness. You can check what your interest rate will be, with no impact to your credit score, by using our personalized rate quote. TD Bank will then conduct a hard credit inquiry which may have an impact on your credit score, upon full application.

A TD Fit personal loan provides you fast, flexible access to funds that can be used for many major life events, expenses or consolidating debt. Unlike other loans, like a mortgage or student loan, personal loans do not have a defined use and can be more flexible based on what your needs are. You might consider getting a personal loan to:

  • Consolidate high interest credit card debt
  • Renovate your home
  • Purchase or repair a vehicle
  • Take a vacation
  • Fund your wedding
  • Cover medical expenses

Personal loans can be used for just about anything; however, it's important to consider uses that might improve your financial position. 

In addition to basic personal info, you'll need your Social Security Number or Individual Tax Identification Number, employment history and income, and expenses like mortgage or rent.

If you're approved, you may receive your funds in as little as one business day.1

There are no origination fees, including no application or prepayment penalty fees.

Still deciding on a personal lending option?

Our account selector can help you choose, and you can open an account online in minutes

Help me choose

1To check for offers you may qualify for, TD Bank conducts a soft credit inquiry. If you are presented with an offer and choose to proceed with the application process, TD Bank will conduct a hard credit inquiry, which may have an impact on your credit score.

2Approval process may take longer if additional documents are requested. Funds are generally deposited electronically via ACH for delivery next business day if approved by 4:30 p.m. ET Monday–Friday. Depending on your bank, it may take up to three days for your funds to be available.

3Subject to Credit Approval. No origination or application fee.
Loan amounts range from $2,000 to $50,000. Repayment terms range from 36 - 60 months. interest rates range from 8.99% to 23.99%. The most credit worthy applicants may qualify for a lower rate while longer-term loans may have higher rates. The following example depicts the interest rates, monthly payments and total payments available for a $10,000 loan with a 48 month term: interest rate range of 8.99%-23.99%, 48 payments, of $249.42 -$326.00 and total Payments of $11,942.54 -$15,646.23. If approved, your loan amount, interest rates and monthly payment may differ from the example based on the length of the term selected, your current income, creditworthiness and other factors. FL residents: Doc Stamp Fee applies. Loan cannot be used for business or education expenses.

TD Fit Loans are available to residents of CT, NJ, DE, NY, Washington, D.C., NC, FL, PA, ME, RI, MD, SC, MA, VT, NH and VA.

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