Personal Unsecured 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 – 48 months
  • Available with or without collateral
  • Easy, online application and fast approval process

Get more with Commerce

Rate discounts available:*

  • 0.25% for automatic payments from a Commerce checking or savings account
  • 0.25% if refinancing a loan from another lender

Total cost of a loan example:

Loan Amount $7,000
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


  • Subject to credit approval. Rate discounts cannot be combined with any other offer. Mortgages and dealer loans are not eligible to receive these rate discounts. Refinancing discount is limited to one discount per new installment loan, and does not apply to Commerce credit card or loan account payoffs.
  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.