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Personal Loans

With fixed interest rates and no collateral required, our TD Fit Loan can be a great way to consolidate debt or fund major life events, offering an alternative to credit cards and secured financing.

Already started your application? Log back in to finish†

  • Fast funding

    Funding available in as little as one business day1

  • Fixed interest rates

    Competitive fixed rates as low as 7.99%

  • Flexible loan terms

    Loans between $2,000 to $50,000.2 Terms from 36 to 60 months3

  • No loan fees

    No origination or application fees

Bankrate Award badge: Best Personal Loans from a Bank

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Award-winning loan. Fit for you.

What can a personal loan be used for?

A personal loan provides 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.

See your estimated monthly loan payment

Use our Personal Loan Payment Calculator to see what your monthly payments could be.

Calculate payment

How to get a personal loan in 3 steps

Applying for a personal loan is simple. Follow these steps to check your rate and get funded quickly.

  • 1. Input personal info

    You'll need your basic personal info, Social Security Number, employment history, income, and expenses

  • 2. See your options

    In as little as 60 seconds, you can check your personalized loan options with no impact to your credit score

  • 3. Select an option and apply

    If you choose to continue, TD will perform a hard credit pull, which can affect your credit score.3 A loan decision will be sent by email

Why choose a TD Fit Personal Loan?

TD Fit Loan Play Video

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

  • Fixed interest rate and loan terms
  • Fast funds with no fees
  • No prepayment penalties
  • 24/7 online account management

Get started today

  • Get your personalized loan options

    Check your personal loan 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 & apply

  • Talk with a TD Fit Specialist

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

    Mon–Fri, 8:00 AM–8:00 PM ET
    Sat and Sun, Closed

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

  • Did you receive a mail offer?

    Enter your personal offer code to get started and apply in less than 10 minutes

    See my offer†

  • Still deciding on loan options?

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

    Help me choose

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.

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.

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

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.

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.

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

†By clicking on this link, you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

1Approval 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.

2Subject to Credit Approval. No origination or application fee.
A loan amount ranges from $2,000 to $50,000. Repayment terms range from 36 - 60 months. Interest rates range from 7.99% to 23.99%. The most creditworthy applicants may qualify for a lower rate, while a longer-term loan 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 7.99%-23.99%, 48 payments, of $244.10 - $326.01 and total Payments of $11,716.42 - $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.

3To 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.

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

†By clicking on this link, you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

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