TD Bank Express loans review June 2018 | finder.com
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TD Bank Express loans review June 2018

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Easily apply for a fixed rate loan and receive funds in as little as 48 hours.

What is a TD Bank Express loan?

With a TD Bank Express loan, you can borrow between $2,000 and $15,000. Loans are funded in as little as 48 hours with APRs as low as 8.99%, depending on your creditworthiness.

Product nameTD Bank Express loan
Minimum loan amount$2,000
Maximum loan amount$15,000
APRAs low as 8.99%
Minimum term12 months
Maximum term60 months
Late fee5% of the minimum payment due or $10, whichever is less
Rate typeFixed
Minimum credit scoreGood to excellent credit
Application fee$0
States availableConnecticut, Delaware, Florida, Maine, Maryland, Massachusetts, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, Vermont, Washington, DC.

Compare your other personal loan options

Rates last updated June 19th, 2018

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Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
Name Product Product Description Minimum Credit Score Max. Loan Amount APR
Best Egg Personal Loans
A prime lender with multiple repayment methods.
640
$35,000
5.99%–29.99% (fixed)
Upgrade Personal Loans*
Affordable loans with two simple repayment terms and no prepayment penalties.
620
$50,000
5.96%–35.97% (fixed)
LendingPoint Personal Loans
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
600
$25,000
15.49%–34.99% (fixed)
Even Financial Personal Loans
Get connected to competitive loan offers instantly from top online consumer lenders.
580
$100,000
4.99%–35.99% (fixed)
SoFi Personal Loan Fixed Rate (with Autopay)
No fees. Multiple member perks such as community events and career coaching.
740
$100,000
6.20%–15.24% (fixed)
Monevo Personal Loans
Quickly compare multiple online lenders with competitive rates depending on your credit score.
580
$100,000
3.09%–35.99% (fixed)
Prosper
Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.
640
$40,000
6.95%–35.99% (fixed)
Laurel Road Personal Loans
Get a personal loan with no application or origination fees and a rate discount for autopay.
680
$45,000
5.5%–11.74% (fixed)
FreedomPlus Personal Loans
Consolidate debt and more with these low-interest loans. Cosigners welcome.
640
$35,000
4.99%–29.99% (fixed)
LendingClub Personal Loan
A peer-to-peer lender offering fair rates based on your credit score.
660
$40,000
5.98%–35.89% (fixed)
CompareFirst Personal Loans
An easy-to-use loan connection service geared toward introducing first-time borrowers to affordable personal loans.
580
$50,000
2.99%–36% (fixed)
OneMain Financial Personal and Auto Loans
An established online and in-store lender with quick turnaround times. Poor credit is OK.
Varies
$30,000
16.05%–35.99%* (fixed)
NetCredit Personal Loan
Check eligibility in minutes and get a personalized quote without affecting your credit score.
550
$10,000
34%–155% (fixed)

Compare up to 4 providers

Benefits and drawbacks of TD Bank Express loans

Pros

  • Quick funding. Easily apply online and get money in as little as two days.
  • No income requirement. TD Bank relies on your credit history when processing your application.
  • Autopay discount. Save 0.25% on your rate for setting up autopay from a TD Bank account.
  • No prepayment penalty. Pay your loan off early at no additional cost.

Cons

  • Potentially high APRs. Your rate could be higher if you have a lower credit score.
  • Late fees. Pay as much as 5% of the minimum payment due.
  • Limited use. Funds can’t be used for higher education expenses.

Am I eligible for a TD Bank Express loan?

TD Bank Express loans don’t require proof of income. To be eligible, you must:

  • Be at least 18 years old.
  • Have a good to excellent credit score.
  • Provide proof of citizenship or residency in one of 16 states TD Bank services.

What do I need to apply?

To apply for an Express loan, you’ll need to provide:

  • Your personal information. Including your name, address, phone number, Social Security number and date of birth.
  • Your employment history. Including your income, bonuses, overtime and any other income.
  • Your financial details. Including your bank account information for autopay.

To start your online application, visit TD Bank’s website.

I got a TD Bank Express loan. Now what?

Once you’ve received a TD Bank Express loan, it’s important that you keep up with monthly payments.

  • Setting up automatic payments. Avoid late payment fees by setting up automatic withdrawals from a TD Bank or another account.
  • Avoiding excessive interest. To lower the interest you’ll pay over the life of your auto loan, consider paying more than the amount required each month.

Bottom line

TD Bank Express loans can get you money in as little as 48 hours. If you live in a state that TD Bank doesn’t service or need a loan for higher education purposes, you might want to compare other loan options.

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2 Responses

  1. Default Gravatar
    ElaineJanuary 12, 2018

    What do I have to do to get a loan to pay for my bill and how much will have to pay back a month I get 750 a month and I need a 500 dollars loan

    • Staff
      JoanneJanuary 13, 2018Staff

      Hi Elaine,

      Thanks for reaching out.

      For you to get a loan with TD bank, you need to check on the eligibility requirements listed on this page to ensure that you are qualified.

      You will also need to provide these pieces of information to apply for an express loan:
      1. Your personal information. Including your name, address, phone number, Social Security number and date of birth.
      2. Your employment history. Including your income, bonuses, overtime and any other income.
      3. Your financial details. Including your bank account information for autopay.

      The minimum loan amount with TD Bank is $2000. Alternatively, you may want to check this page should wish to look for more options on where to avail of a $500 loan.

      Hope this helps,
      Joanne

US Personal Loans Offers

Important Information*
Even Financial Personal Loans

Get connected to competitive loan offers instantly from top online consumer lenders.

Prosper

Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.

LendingClub Personal Loan

A peer-to-peer lender offering fair rates based on your credit score.

SoFi Personal Loan Fixed Rate (with Autopay)

No fees. Multiple member perks such as community events and career coaching.

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