Fifth Third Bank Personal Loans Reviews

Fifth Third Bank can be a good option for borrowers seeking high loan amounts for secured loans or lines of credit and competitive annual percentage rates (APRs). However, since Fifth Third requires you to apply for loans over $25,000 in person, it’s best for borrowers who don’t mind an occasional trip to their bank branch or have small enough borrowing needs to apply online.

Fifth Third Bank has limited reach across the U.S., and borrowers who live outside of the bank’s 12-state reach should explore lenders that are licensed to lend in their state.

To be eligible for a personal loan from Fifth Third Bank, you must live in one of the following states:

• Alabama
• Florida
• Georgia
• Illinois
• Indiana
• Kentucky
• Michigan
• North Carolina
• Ohio
• South Carolina
• Tennessee
• West Virginia

Fifth Third Bank offers unsecured and secured personal loans.

Unsecured personal loan

Fifth Third Bank’s unsecured personal loan comes with borrowing limits ranging from $2,000 to $50,000, though it only accepts loan amounts of up to $25,000 if you're applying online. It’s available in terms ranging from one to five years.

Secured personal loan

Fifth Third’s secured personal loan is secured by money in your Fifth Third savings account, investment account or certificate of deposit (CD) account. With these loans, you can borrow 50% to 100% of the value of your collateral. Its loan amounts range from $2,000 to $500,000 and its terms range from one to five years.

» MORE: Secured vs. unsecured loans

Fifth Third Bank also offers unsecured and secured personal lines of credit.

Unsecured line of credit

Fifth Third’s unsecured line of credit requires no collateral and lets you dip in and out of funds as needed. Line amounts range from $5,000 to $100,000, with a five-year draw period followed by a 10-year repayment period.

Secured line of credit

Fifth Third’s secured line of credit offers between $75,000 and $500,000 in revolving credit with interest-only monthly payments. It has a 20-year draw period, and the balance is due at maturity. The line is secured by the money in your Fifth Third savings account, CD account or investment account, and you can borrow between 50% and 65% of your collateral.

» MORE: Personal loan vs. personal line of credit

Fifth Third Bank personal loan rates

Fifth Third’s rates vary depending on the product. All rates are accurate as of March 18, 2026.

The above rates include a 0.25% autopay discount. Since Fifth Third requires you to pay your loan balance from a Fifth Third checking or savings account set to automatic payments, this discount won’t necessarily help you get a better rate.

Fifth Third Bank’s personal loan options come with no prepayment fees. However, it does charge a late fee if it doesn’t receive your loan payment by the end of its grace period.

With Fifth Third’s lines of credit, the unsecured line has a $65 annual fee that’s waived in the first year, while the secured line carries no annual fee.

You have two options for applying for a Fifth Third Bank personal loan:

Apply online

If you have an eligible Fifth Third checking or savings account that is in good standing, you can apply for an unsecured personal loan online. If you choose this option, note that you can only get up to $25,000 in funding.

Apply in person

By visiting a Fifth Third location in person, you can speak directly to a loan officer who can help you fill out an application. In person, you can apply for an unsecured loan of up to $50,000 or a secured loan of up to $500,000. You can also apply for an unsecured or secured line of credit in person.

Although Fifth Third Bank has a limited service area, its personal loans compete well with much larger lenders. For example, compared to OneMain Financial, Fifth Third Bank offers better rates, terms and loan amounts for unsecured personal loans.

Fifth Third Bank might have a smaller footprint than other lenders, but it is a legitimate lender with competitive rates and large borrowing amounts up to $500,000 for secured loans. In addition to personal loans, it offers checking and savings accounts, credit cards, mortgages, insurance and investing services. Fifth Third serves 12 states in the U.S. and has over 1,000 branch locations.