

TD Bank
TD Bank, America's Most Convenient Bank is one of the 15 largest commercial banks in the U.S., with more than 22,000 employees and deep roots in the community dating back more than 150 years. The Bank offers a broad array of retail, small business and commercial banking products and services to more than 6.5... show more
TD Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 04/19/2021.
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All things considered, this isn’t a bad card to have in your wallet if you’re a relatively light spender who has excellent credit, pays with credit primarily when dining out and never carries a balance from month to month. In such a scenario, it won’t cost you a thing and will provide a decent rewards yield without requiring much thought.
But if you want to get the best credit card possible, this isn’t the offer for you. The excellent-credit corner of the market is quite competitive, and there are better deals to be had whether you’re in the market for rewards or low-cost financing. For more information about how we came to this conclusion and some alternative offers to consider, check out our full-length TD Bank Credit Card review: http://wallethub.com/edu/td-bank-credit-card-review/25997/ .

TD Bank offers inexpensive personal loans, with APRs starting at 6.99% and stopping at a maximum of 18.99%. That’s around half as high as the 36% maximum possible from many other major lenders. TD Bank is also unique in that it’s one of a handful of major lenders that offer not just unsecured personal loans but secured loans as well. TD’s unsecured loans don’t charge origination fees, but there’s a $50 fee on secured loans.
One drawback to TD Bank is that they only operate in 15 states and D.C. However, people who do live in areas the bank services will be able to enjoy competitive terms on their loans. Customers can borrow up to $50,000 and can get up to 60 months to pay their loans off. TD also has a good reputation from the BBB and from their customers, which means consumers can borrow with confidence.
TD Bank Personal Loan Review Highlights:
• APRs: 6.99% to 18.99%
• Loan sizes: $2,000 to $50,000
• Payoff periods: 12 to 60 months
• Credit score requirement: 750+ (660+ for TD customers)
• Origination fee: $0 for unsecured, $50 for secured
• Other fees: $5 late payment fee
• Reputation: Payoff scores an A+ with the Better Business Bureau and has a 3.8/5 user rating on WalletHub.
• Co-signers: Allowed
Altogether, TD Bank personal loans are a great option for those fortunate enough to live in one of the states the bank services.
Below, you can see how WalletHub rates TD Bank in our three major personal loan review categories: Terms, Requirements & Application, and Reviews & Transparency.
TD Bank Ratings by Category:
Terms 5 / 5
Requirements & Application 3.5 / 5
Reviews & Transparency 3.5 / 5
Overall Score 4.4 / 5







THE MOST INCONVENIENT bank for refinance The lack of underwriting expertise and loan officers is very disappointing. It’s been over 6 months that my refinance loan with no money down was approved. They still not have answered when my closing will be, I paid for the appraisal and everything, now I need to find another company because I LOST MONEY, TIME AND INTEREST TO MOVE FORWARD WITH REFINANCE
TD Bank Offers
TD Bank Q&A (206 questions)
How do I make a payment on my Target RED Card?

The most straightforward way to make a Target Credit Card payment is online. Log in here and select "Pay Now." As long as you make your payment before 5 p.m. Central Standard Time, it will post the same day.
You can also make a payment by calling 800-659-2396. Follow the automated prompts or ask to speak with a Target guest services representative. Your payment will post to your account within two business days.
You can pay your credit card in person at any Target store, too. Visit the Guest Service Counter, and have your billing statement or Target credit card ready, so the attendant can look up your account number.
Lastly, you can make a Target Credit Card payment by mail. Send your payment to: Target Card Services / P.O. Box 660170 / Dallas, TX 75266-0170.
Ways to Make a Target REDCard Bill Payment:
- Online. Log in to your Target account on the website and click “Pay Now.”
- Over the phone. Call 800-659-2396 and follow the prompts to make a payment.
- In a Target store. Bring your billing statement to the Guest Service Counter.
- By mail. Send a check and your payment coupon to: Target Card Services / P.O. Box 660170 / Dallas, TX 75266-0170.
How do I apply for the Target Credit Card?

You can apply for the Target Credit Card online or in any Target store, at the customer service counter. You will need to have identification on you; Social Security Number, driver's license, state ID or military ID.
You can locate a Target in your proximity here. If you qualify, you may be instantly approved. Otherwise, if further verification is needed, you should receive a decision in the mail within 7-10 business days. If you're approved, your card will be mailed in another 7-10 business days.
What is the best TD Bank business credit card?

The best TD Bank business credit card is the TD Business Solutions Credit Card because of its signup bonus of 15,000 points for spending $1,000 in the first 90 days and its ongoing earning rate of 1 point per $1 spent on purchases. The TD Business Solutions Visa is currently the only business credit card offered by TD Bank, but it comes with some excellent benefits and rewards.
TD Bank Business Credit Card Features
- 1% cash back on all purchases
- 1% additional cash back when redeeming your rewards into an eligible TD Bank Deposit Account
- Signup bonus of 15,000 points for spending $1,000 in the first 90 days
- $0 annual fee
- Excellent credit required
TD Bank used to offer another business credit card, the TD Simply Flexible Business Visa. It didn't offer any rewards, but did have a 0% APR period on balance transfers for the first 12 months, and a $0 annual fee.
How do I apply for a TD Bank credit card?

You can fill out a TD Bank credit card application online, over the phone, or in person at a TD Bank branch location. Applying online is the easiest way to do it. Simply provide your name, Social Security number, phone number, mailing address, email address, and other requested personal information and submit your application.
In most cases, you'll get a quick credit decision when applying for a TD Bank credit card online, but sometimes they will need more time to verify your information. In this case, call 1-888-561-8861 and press 4 to check your application status. You'll need to provide your Social Security number to pull up your application.
To apply for a TD Bank credit card by phone, call 1-888-561-8861 and press 3. To apply in person, visit a TD Bank location near you.
Where can I check my Target Credit Card balance?

The easiest way to check your Target Credit Card balance is to enroll in online banking.
This way you can also add cardholders, set card alerts, enroll in paperless credit card statements, and make or schedule your Target Credit Card payments.
Alternatively, you can also call Target's customer service at (888) 755-5856. Hope this helps.