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 of up to 0.75% for CommerceOptionsSM checking customers1
  • Get a discount of 0.25% just for having your payment automatically deducted from your Commerce checking account2

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


  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
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