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Personal Loan

Personal Loans

Borrow for whatever you need, and get competitive rates and fixed monthly payments.

  • Flexible – use your loan proceeds for whatever you want
  • Minimum loan amount of $7,000
  • Repayment period of 7 to 48 months
  • Available with or without collateral
  • Easy, online application and fast approval process

Plus, choose from additional discount options:

  • Rate discount of 0.25% just for having your payment automatically deducted from your Commerce checking or savings account.1
  • Rate discount of 0.25% if any part of your loan is used to pay off debt from another lender.1

Total cost of a loan example:

Loan Amount


Repayment Period

48 months

Annual Percentage Rate (APR) Range

9.99% - 13.49%

Monthly Payment Range

$177.48 - $189.47

Total Cost of  the Loan

$8,519.04 - $9,094.56


  1. 0.25% rate discount for automatic payments from a Commerce checking or savings account. Mortgages and dealer loans are not eligible to receive the personal loan discounts. Additional 0.25% rate discount if refinancing from another lender. Additional refinancing option is limited to one discount per new installment loan, and is not applicable to Commerce credit card or loan account payoffs. Subject to credit approval.