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Find the Best Personal Loan for Your Needs

What is TD Bank?

For over 150 years, TD Bank has been providing many of its clients with unprecedented customer service and financial solutions. They are a financial institution that is firmly committed to helping their members achieve financial success. TD Bank proudly offers a very extensive range of banking services. These include investment opportunities, everyday banking solutions, mortgages, auto loans and many other options.

TD Bank Personal Loans Review

Do They Offer Personal Loans?

In addition to the many services they offer, TD Bank also provides personal loans. The types of personal loans they offer are TD Express Loans, Unsecured Loans, Secured Loans and Unsecured Line of Credit. Each of these loans provide benefits that are conducive to the needs of various applicants.

TD Express Loans are beneficial for individuals seeking to receive loans almost instantaneously. Consumers can obtain funds ranging from $2000 to $15,000 within 48 hours after they have applied.

The advantage of this loan is not only its promptness but also its low fixed  APR from 8.99% to 15.99%. Also, there are no origination or application fees. As a bonus, consumers that opt for automatic payments from a TD account can expect to receive a rate discount of 0.25%

To apply for a TD Express Loan, individuals have the option do so online. Also, over the telephone or in-person can also be chosen.

Unsecured bank loans from TD range from $2000 to $50,000 and its funding process is not as expedited. However, with this type of loan, no collateral is required.

It offers low fixed rates starting from 8.99% and up depending on the loan amount received, credit history of the applicant and also geographic location. The benefit is that there is no annual fee and like the TD Express Loan, a discounted loan rate can be achieved if money is deducted automatically from a TD account.

To apply for this loan, it can be done in one of three ways. These include online, in-person or on the telephone with a lending specialist.

Unsecured Line of Credit is different. The amount available for the loan is $2000 to $50,000, but as opposed to borrowing the amount all at once, individuals can access whatever amount they need up to 10 years, as long as it does not exceed the adopted limit.

Consumers pay back only what they have used. No collateral is required for this loan and individuals can expect to receive an APR as low as 9.50% and up. Bad credit personal loans always come with a higher interest rate though TD Bank may not offer this.  To apply, it can be done online, over the telephone or in person.

Secured Loans start at $5000 and do have a maximum. However, to qualify for this loan, collateral such as TD Savings, Money Market Savings account or a TD Certificate of Deposit is required.

This loan enables consumers to borrow whatever they need and is a great way to build credit. There is no annual fee, but an origination fee is charged. The variable rate on this loan can fluctuate monthly.  To apply, it can be done over the telephone or at a branch. There is no online application.


TD Bank offers a variety of personal loans. The range of loans provided permit consumers to choose loans that are better suited to their needs. Overall, TD Bank has been acknowledged as a very dependable financial institution.

Robert is our in-house expert on personal loans and finance. He got an MBA, specializing in Finance, before joining the workforce. After working for multiple Fortune 500 companies in the past decade, he brings a wealth of knowledge and experience to the table.