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Woman building furniture

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
  • Take advantage of flexible terms — choose the loan term you're most comfortable with
  • 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% when $7,000 or more of the loan is used to pay off debt from another lender.1

Personal Loans

We're here when you need us.

We may be over 155 years old, but we're always working to best support our customers' needs. We're here to help you bank where, when and how you would like — whether that's online, on mobile, over the phone, or in person.
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1  0.25% rate discount for automatic payment from a Commerce checking or saving account. Mortgages and dealer loans are not eligible to receive the personal loan discounts. Additional 0.25% rate discount if refinancing $7,000 or more of debt from another lender. Additional refinancing option is limited to one per new installment loan and is not applicable to Commerce credit card or loan account payoffs. Subject to credit approval.

*  Rates are subject to change. These rates are available only for unsecured personal loans. Your APR will be determined based on creditworthiness. Must be 18 years or older to apply.