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Refinance Rates & Terms

At CommonBond, we believe that borrowers with great credit deserve a better rate. Our investors agree, and together, we provide lower rates – and a better loan – than traditional lending institutions.

Your individual rate depends on your credit profile, your choice of a variable or fixed rate, and the term (length) of the loan. So how do you choose? To start,
it's important to know a few key facts:

VARIABLE RATES

Changes over time based on fluctuations in a market benchmark rate. If that benchmark rate increases or decreases, so would your rate.

FIXED RATES

Remains the same over time, so your rate and payments would always be consistent.

HYBRID RATES

Rates are fixed for 5 years and then switch to variable for 5 years.

The following table displays the estimated monthly payment, total interest, and Annual Percentage Rates (APR) for a $10,000 loan. Rates include a 0.25% autopay (ACH) discount.

Variable Rates

Term
(years)
Rate
Range
APR
(with autopay)
Estimated
Monthly Payment
Estimated
Total Interest
Estimated
Total Cost
5
-year loan
Lowest Rate 2.81%
APR
$178.84
/month est.
$730.63
est. interest
$10,730.63
est. total
Highest Rate 5.74%
APR
$192.12
/month est.
$1,527.28
est. interest
$11,527.28
est. total
7
-year loan
Low
rate
3.12%
APR
$132.67
/month est.
$1,144.66
est. interest
$11,144.66
est. total
High
rate
5.87%
APR
$145.46
/month est.
$2,218.90
est. interest
$12,218.90
est. total
10
-year loan
Low
rate
3.62%
APR
$99.45
/month est.
$1,933.88
est. interest
$11,933.88
est. total
High
rate
6.12%
APR
$111.62
/month est.
$3,394.89
est. interest
$13,394.89
est. total
15
-year loan
Low
rate
3.99%
APR
$73.92
/month est.
$3,305.36
est. interest
$13,305.36
est. total
High
rate
6.49%
APR
$87.06
/month est.
$5,670.04
est. interest
$15,670.04
est. total
20
-year loan
Low
rate
4.24%
APR
$61.87
/month est.
$4,848.83
est. interest
$14,848.83
est. total
High
rate
6.74%
APR
$75.98
/month est.
$8,234.47
est. interest
$18,234.47
est. total
Low Rate
2.81% APR (with autopay)
$178.84 Est. Monthly
Payment
$730.63 Est. Total
Interest
$10,730.63 Est. Total
Cost
High Rate
5.74% APR (with autopay)
$192.12 Est. Monthly
Payment
$1,527.28 Est. Total
Interest
$11,527.28 Est. Total
Cost
Low Rate
3.12% APR (with autopay)
$132.67 Est. Monthly
Payment
$1,144.66 Est. Total
Interest
$11,144.66 Est. Total
Cost
High Rate
5.87% APR (with autopay)
$145.46 Est. Monthly
Payment
$2,218.90 Est. Total
Interest
$12,218.90 Est. Total
Cost
Low Rate
3.62% APR (with autopay)
$99.45 Est. Monthly
Payment
$1,933.88 Est. Total
Interest
$11,933.88 Est. Total
Cost
High Rate
6.12% APR (with autopay)
$111.62 Est. Monthly
Payment
$3,394.89 Est. Total
Interest
$13,394.89 Est. Total
Cost
Low Rate
3.99% APR (with autopay)
$73.92 Est. Monthly
Payment
$3,305.36 Est. Total
Interest
$13,305.36 Est. Total
Cost
High Rate
6.49% APR (with autopay)
$87.06 Est. Monthly
Payment
$5,670.04 Est. Total
Interest
$15,670.04 Est. Total
Cost
Low Rate
4.24% APR (with autopay)
$61.87 Est. Monthly
Payment
$4,848.83 Est. Total
Interest
$14,848.83 Est. Total
Cost
High Rate
6.74% APR (with autopay)
$75.98 Est. Monthly
Payment
$8,234.47 Est. Total
Interest
$18,234.47 Est. Total
Cost

Fixed Rates

Term
(years)
Rate
Range
APR
(with autopay)
Estimated
Monthly Payment
Estimated
Total Interest
Estimated
Total Cost
5
-year loan
Low
rate
3.35%
APR
$181.25
/month
$874.79
interest
$10,874.79
total
High
rate
5.87%
APR
$192.72
/month
$1,563.45
interest
$11,563.45
total
7
-year loan
Low
rate
3.87%
APR
$136.09
/month
$1,431.60
interest
$11,431.60
total
High
rate
6.25%
APR
$147.29
/month
$2,372.11
interest
$12,372.11
total
10
-year loan
Low
rate
4.37%
APR
$103.01
/month
$2,361.55
interest
$12,361.55
total
High
rate
6.50%
APR
$113.55
/month
$3,625.76
interest
$13,625.76
total
15
-year loan
Low
rate
4.87%
APR
$78.40
/month
$4,112.69
interest
$14,112.69
total
High
rate
6.75%
APR
$88.49
/month
$5,928.37
interest
$15,928.37
total
20
-year loan
Low
rate
5.37%
APR
$68.06
/month
$6,333.58
interest
$16,333.58
total
High
rate
7.12%
APR
$78.25
/month
$8,780.44
interest
$18,780.44
total
Low Rate
3.35% APR (with autopay)
$181.25 Monthly
Payment
$874.79 Total
Interest
$10,874.79 Total
Cost
High Rate
5.87% APR (with autopay)
$192.72 Monthly
Payment
$1,563.45 Total
Interest
$11,563.45 Total
Cost
Low Rate
3.87% APR (with autopay)
$136.09 Monthly
Payment
$1,431.60 Total
Interest
$11,431.60 Total
Cost
High Rate
6.25% APR (with autopay)
$147.29 Monthly
Payment
$2,372.11 Total
Interest
$12,372.11 Total
Cost
Low Rate
4.37% APR (with autopay)
$103.01 Monthly
Payment
$2,361.55 Total
Interest
$12,361.55 Total
Cost
High Rate
6.50% APR (with autopay)
$113.55 Monthly
Payment
$3,625.76 Total
Interest
$13,625.76 Total
Cost
Low Rate
4.87% APR (with autopay)
$78.40 Monthly
Payment
$4,112.69 Total
Interest
$14,112.69 Total
Cost
High Rate
6.75% APR (with autopay)
$88.49 Monthly
Payment
$5,928.37 Total
Interest
$15,928.37 Total
Cost
Low Rate
5.37% APR (with autopay)
$68.06 Monthly
Payment
$6,333.58 Total
Interest
$16,333.58 Total
Cost
High Rate
7.12% APR (with autopay)
$78.25 Monthly
Payment
$8,780.44 Total
Interest
$18,780.44 Total
Cost

Hybrid Rates

Term
(years)
Rate
Range
APR Rate Estimated
Monthly Payment
Estimated
Total Interest
Estimated
Total Cost
10
-year loan
Low
rate
3.77%
APR
3.82%
fixed rate
$100.39
/month
$2,017.50 $12,017.50
3.62%
variable rate
$99.90
/month est.
$2,017.50 est. interest $12,017.50 est. total
High
rate
6.22%
APR
6.25%
fixed rate
$112.28
/month
$3,452.62 $13,452.62
6.12%
variable rate
$111.93
/month est.
$3,452.62 est. interest $13,452.62 est. total
Low Rate
3.77% APR (with autopay)
3.82% Fixed Rate
$100.39 Monthly Payment
3.62% Variable Rate
$99.90 Est. Monthly
Payment
$2,017.50 Est. Total
Interest
$12,017.50 Est. Total
Cost
High Rate
6.22% APR (with autopay)
6.25% Fixed Rate
$112.28 Monthly Payment
6.12% Variable Rate
$111.93 Est. Monthly
Payment
$3,452.62 Est. Total
Interest
$13,452.62 Est. Total
Cost

Learn more about the Hybrid Loan >

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