![]() You can apply for a TD Bank personal loan online, over the phone or in person at your local branch. Keep in mind that making on-time payments on your TD Bank loan could improve your credit, while late or missed payments will damage both you and your co-signer’s credit score. Adding a creditworthy co-signer to your application may help you qualify or get better rates. TD Bank typically allows you to apply for a personal loan with a co-signer. However, most lenders ask you to confirm a stable source of income as reassurance that you’ll be able to pay back your loan in full and on time. TD Bank does not share minimum income requirements to get a personal loan. We recommend a score of at least 670 to improve your chances of approval. As with other lenders, you’ll need a strong credit score to get the lowest rates. TD Bank does not disclose a minimum credit score to take out a loan. Meeting the requirements below won’t guarantee approval, but they can help you decide if a TD Bank personal loan is the right fit for you. All lenders have their own unique underwriting requirements, but these typically include information from an applicant’s credit profile and other factors that demonstrate the ability to repay the loan, such as income. Personal loan applications are approved or declined based on a number of factors. If you set up autopay from your TD Bank checking account, you could get a 0.25% rate discount. ![]()
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