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A personal loan is a great way to finance your next project or goal, providing you with a lump-sum amount at a competitive rate. It’s easy to apply, with flexible rates, terms and payment options available.

 

Benefits of a Personal Loan:

 

  • Fast, simple application process
  • Customize the terms of your loan to match your needs
  • Repay early with no penalty

Please tell us your ZIP code so we can show you accurate rates and information for your area.

 

 


Payment methods

We offer a range of payment options to help you conveniently make your payment on time, every month. Each is secure3 — just choose which is easiest for you:

 

 

Visit Banking with BMO Harris to learn more.

 

BMO Harris Express Loan PaySM

Need to make a same-day payment to avoid a late fee? With Express Loan Pay4,5, you can make a fast and secure3 loan payment directly from your checking account.

 

 

Learn more


1. A 7.44% Annual Percentage Rate (“APR”) is available on a BMO Harris unsecured personal loan of $25,000 for 36 months with a well-qualified borrower that includes a $75 Loan Processing Fee. This 7.44% APR with an effective fixed interest rate of 7.24% would result in 36 monthly payments of $30.99 per $1,000 borrowed and requires Auto Pay from an eligible BMO Harris checking account listed below. For loans without Auto Pay from an eligible BMO Harris checking account listed below, the APR would be 7.69% with an effective interest of 7.49% and would result in 36 monthly payments of $31.11 per $1,000 borrowed. Auto Pay from a BMO Harris Smart MoneyTM Account, BMO Harris Smart AdvantageTM Account, BMO Harris Select Checking®, BMO Harris PremierTM Account, or BMO Harris Portfolio Checking® is required at account closing to receive the 0.25% interest rate discount. When you sign up for Auto Pay, you authorize the Bank to draw your account for all amounts then due, including late fees and any other charges. Our checking products are subject to change at any time. As a result, this offer is subject to change including the availability of these checking products. When applying for Auto Pay, please ask a BMO Harris banker about the different available checking products. Customers who currently have a BMO Harris checking account that does not qualify for this offer may switch to a BMO Harris checking account that does qualify for this offer prior to or at closing. Please contact a BMO Harris banker for more details or visit bmoharris.com.

2. Rates provided in the examples assume a well-qualified borrower. Rates may be offered to qualified customers for a period from 12 - 72 months with interest rates ranging from 7.24% to 14.49% depending on individual credit qualifications, loan amount, loan term and other criteria and requires Auto Pay from an eligible BMO Harris checking account listed above. The resulting APRs range from 7.64% to 23.92%. For loans without Auto Pay from an eligible BMO Harris checking account listed above, rates range from 7.49% to 14.74% depending on individual credit qualifications, loan amount, loan term and other criteria. The resulting APR would be from 7.89% to 24.17%.

3. Visit the BMO Harris Security Center for details.

4. Certain conditions and limitations apply. BMO Harris Online Guarantees apply to personal accounts only and do not apply to commercial or business accounts. Please see the BMO Harris Online Banking Services Agreement found at bmoharris.com/legal for full details.

5. Message and data rates may apply. Contact your wireless carrier for details.

6. Auto Pay means periodic scheduled payments automatically deducted from your BMO Harris checking account, as applicable, to pay the loan. When you sign up for Auto Pay, you authorize the Bank to draw your account for all amounts then due, including any late fees and any other charges. Checking account opening subject to bank approval.

Try these easy-to-use calculators1, 2 to determine your regular payments, how much loan you may qualify for, as well as other savings opportunities.


Payment methods

We offer a range of payment options to help you conveniently make your payment on time, every month. Each is secure3 — just choose which is easiest for you:

 

 

Visit Banking with BMO Harris to learn more.

 

BMO Harris Express Loan PaySM

Need to make a same-day payment to avoid a late fee? With Express Loan Pay4,5, you can make a fast and secure3 loan payment directly from your checking account.

 

 

Learn more


1. Calculators are provided by Leadfusion, Inc., which is not affiliated with BMO Harris Bank N.A. The results and information provided on this website are estimates and are provided for informational purposes only. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances. Please note that Leadfusion may have different privacy and security standards than BMO Harris and you should visit its website at www.leadfusion.com Third Party Link to review its privacy policy.

2. BMO Harris does not provide tax or legal advice and you should consult your tax or legal advisor for tax and legal advice. You should always talk to your BMO Harris Mortgage Banker to determine the product that is right for you. The calculator headings are merely labels for your convenience. The calculator results are estimates only and should not be construed as advice or a recommendation.

3. Visit the BMO Harris Security Center for details.

4. Certain conditions and limitations apply. BMO Harris Online Guarantees apply to personal accounts only and do not apply to commercial or business accounts. Please see the BMO Harris Online Banking Services Agreement found at bmoharris.com/legal for full details.

5. Message and data rates may apply. Contact your wireless carrier for details.

6. Auto Pay means periodic scheduled payments automatically deducted from your BMO Harris checking account, as applicable, to pay the loan. When you sign up for Auto Pay, you authorize the Bank to draw your account for all amounts then due, including any late fees and any other charges. Checking account opening subject to bank approval.

Borrowing to buy something big? You can save more with a high credit score

 

You may know that a good credit score may make it easier for you to borrow money. But did you know it may actually save you money?

For more Personal Loan articles, visit Your Financial Life.


Payment methods

We offer a range of payment options to help you conveniently make your payment on time, every month. Each is secure1 — just choose which is easiest for you:

 

 

Visit Banking with BMO Harris to learn more.

 

BMO Harris Express Loan PaySM

Need to make a same-day payment to avoid a late fee? With Express Loan Pay2,3, you can make a fast and secure1 loan payment directly from your checking account.

 

 

Learn more


1. Visit the BMO Harris Security Center for details.

2. Certain conditions and limitations apply. BMO Harris Online Guarantees apply to personal accounts only and do not apply to commercial or business accounts. Please see the BMO Harris Online Banking Services Agreement found at bmoharris.com/legal for full details.

3. Message and data rates may apply. Contact your wireless carrier for details.

4. Auto Pay means periodic scheduled payments automatically deducted from your BMO Harris checking account, as applicable, to pay the loan. When you sign up for Auto Pay, you authorize the Bank to draw your account for all amounts then due, including any late fees and any other charges. Checking account opening subject to bank approval.

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