Fall Loan Special. Rates are falling and now is a great time to finance with Commerce! Auto Loan Rates From 2.85% - 5.25% APR*. Unsecured Loan Rates From 9.49% - 13.49% APR**. >>

Personal Unsecured Loans

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

  • Flexible – use your loan for whatever you want
  • Available with or without collateral
  • Competitive interest rates
  • Easy, online application and fast approval process

Get more with Commerce

  • Rate discounts of up to 0.75% for CommerceOptionsSM checking customers1
  • Or, get a discount of 0.25% just for having your payment automatically deducted from your Commerce checking account2
  • Minimum loan amount is $7,000

View Rates for Personal Unsecured Loans




Disclosures:

  1. Up to 0.50% discount for those who choose automatic payment from their CommerceOptionsSM checking account, plus an additional 0.25% discount if refinancing from another lender. Mortgages and dealer loans are not eligible to receive the personal loan discounts. 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. CommerceOptions requires significant product relationships or a $12 or $20 monthly fee.
  2. Not available for CommerceOptions accounts
  • 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.