Eligibility Requirements:
- Must reside in eligible states (e.g., CT, NJ, DE, NY, FL, PA, MA, etc.)
- Must be at least 18 years old (19 in AL/NE)
- Valid SSN, proof of income, and employment history
- Loan cannot be used for business or education purposes
Loan application steps:
- Gather your personal and financial information
- Check your personalized rate (soft credit pull)
- Choose a loan option and complete the application (hard credit pull)
- Receive decision by email and funds by the next business day
Frequently Asked Questions
How long does it take to get approved for a TD Bank loan?
Most decisions are made instantly, and funds may be available by the next business day.
Is it required to explain why credit is being used?
Yes, the loan must be used for personal, non-business purposes such as consolidation, medical expenses, or home improvement.
Do I need to have a good credit score to be approved for a TD Bank loan?
Credit score impacts your rate, but pre-checking does not affect your score, so you can explore your options risk-free.
Can I apply for a loan if I am self-employed?
Yes, but you’ll need to provide additional income documentation like tax returns or bank statements.