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Personal Loans

Huntington Bank Personal Loan Review

LendEDU rating: 3.9 out of 5

  • Secured and unsecured personal loans options
  • Cater to various credit histories
  • Only available in 11 states

Huntington Bank offers secured and unsecured personal loan options. This versatility is key to the bank’s 3.9 out of 5 editorial rating. But Huntington Bank does not earn a specific best-for designation The bank’s personal loans, while versatile, don’t excel in any one area, according to our research. They might be suitable if you’re seeking options. 

The availability of secured and unsecured loans means a broad range of borrowers, from those with robust credit histories to those considering leveraging personal assets, can find suitable solutions. 

However, they might not be the top choice for specific borrower needs. Consider this when exploring loan options, especially if you’re searching for the lowest rates, a high loan amount, or specific repayment terms.

About Huntington Bank

Founded in 1866, Huntington Bank seeks to empower individuals through financial services, emphasizing personalized banking experiences. Over the years, Huntington has expanded its products to include various personal loan options, catering to diverse financial needs and circumstances.

Huntington Bank might appeal to borrowers seeking flexibility and tailored financial solutions. Its secured and unsecured loans are designed to accommodate a wide spectrum of financial situations. 

Ideal borrowers include those with various credit histories. Loan approvals are based on credit reports or the value of personal assets. This makes Huntington an accessible option for many, from those managing everyday expenses to those undertaking significant financial ventures.

Huntington Bank unsecured personal loan at a glance

We’ll explore the details in the table below in depth in the following sections, providing a comprehensive look at Huntington Bank’s personal loans.

Fixed rates (APR)10.23% – 25.00% (as of January 2024)
Loan amountsUp to $50,000
Repayment periodCan choose first payment date up to 60 days after closing

How does a Huntington Bank personal unsecured loan work?

Understanding how Huntington Bank’s personal loan works is crucial for borrowers to make an informed decision. The process involves several key aspects, each affecting the borrowing experience.

Loan application

Borrowers apply for Huntington Bank’s unsecured personal loans based on their credit score and income, without needing collateral. 

Borrowers provide personal and financial information, including Social Security numbers, income details, and employment history.

Loan terms and rates

Loans come with fixed APRs ranging from 10.23% to 25%, ensuring predictability in repayments. The absence of variable rates means stability in monthly payments. However, Huntington doesn’t disclose any rate discounts or fees, which is a consideration for cost-conscious borrowers.

Loan amounts and repayment flexibility

Borrowers can request up to $50,000, a significant amount for various financial needs. The repayment terms are flexible; borrowers can choose the start date of their first payment, up to 60 days after loan closing.

Loan management

Once the loan is approved and disbursed, borrowers can manage their loan online or through Huntington Bank’s mobile app. This digital access allows for convenient monitoring and management of loan payments, balance inquiries, and more. 

The option to manage loans over the phone or in person is also available, catering to those who prefer traditional banking methods.

Who’s eligible for a Huntington Bank unsecured personal loan?

U.S. citizens and non-resident or resident aliens with a taxpayer identification number who are residents of the 11 states listed below can apply for a Huntington Bank unsecured personal loan. Applicants must demonstrate employment history, reflecting financial stability.

The bank doesn’t specify minimum requirements for age, credit score, or income, but it considers these factors for approval. 

CitizenshipU.S. or non-resident and resident aliens (with a taxpayer identification number)
Employment statusMust show employment history
State of residence11 states (as of January 2024): Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, West Virginia, Wisconsin, Minnesota, South Dakota, Colorado

Pros and cons of a Huntington Bank unsecured loan


  • High loan amounts

    Huntington Bank allows borrowers to access up to $50,000, a significant amount compared to many other banks. This higher limit can be beneficial for substantial financial needs, such as home renovation or debt consolidation.

  • Online application process

    The ability to start the loan application process online offers convenience and accessibility, which appeal to tech-savvy borrowers who prefer digital banking solutions.

  • Flexibility in loan terms

    With options for secured and unsecured loans and the ability to choose the first payment date, Huntington provides flexibility that can suit various borrower needs.


  • Limited disclosure on terms

    Huntington Bank offers little information on its website regarding rate discounts, repayment assistance, fees, and other critical loan features. This lack of transparency can make it challenging for borrowers to make fully informed decisions.

  • Geographic limitations

    In January 2024, the availability of loans is restricted to 11 states, limiting the bank’s reach and excluding potential borrowers in other regions.

Huntington Bank’s personal loans offer notable benefits, including high loan amounts and an easy online application process. However, the bank’s lack of detailed information on loan terms and the potential for high APRs are significant drawbacks. 

These aspects highlight areas where Huntington can improve, especially in terms of transparency and accommodating borrowers with varying credit profiles.

In comparison, Rocket and Avant may offer better options for those seeking more detailed information upfront or more competitive rates for different credit scores. For borrowers in states where Huntington does not operate, exploring these alternatives can be beneficial.

Huntington Bank secured personal loan at a glance

The table below contains information about Huntington Bank’s secured personal loan. We’ll explore these details in the following sections.

Fixed rates (APR)8.51% – 25.00%
Loan amountsUp to $500,000
Repayment periodCan choose first payment date up to 60 days after closing
Unsecured or securedSecured

How does a Huntington Bank secured personal loan work?

Here’s  how Huntington Bank secured personal  loans work:


Huntington Bank’s secured personal loans are “deposit secured personal loans” because they require you to deposit cash into a savings accounts, certificate of deposit, or money market account to use as collateral. 

Collateral reduces the risk for the bank because if you default on the loan, the bank keeps the deposited funds. Including collateral in the loan agreement can lead to more favorable loan terms.

Application and approval

When applying, borrowers must demonstrate their ability to repay, although Huntington does not disclose minimum credit score or income requirements. Collateral may influence these factors and make it easier for those with less-than-perfect credit to obtain a loan.

Loan terms and rates

Huntington offers up to $500,000 with fixed APRs ranging from 8.51% to 25.00%. These fixed rates ensure consistent monthly payments throughout the loan period. 

The bank highlights flexible repayment terms, including the ability to choose the first payment date up to 60 days after closing, but it doesn’t disclose more specific details on its website.

Loan management

After loan approval and disbursement, borrowers can manage their loan online or through Huntington’s mobile app. This digital approach allows for convenient oversight of loan payments and balance tracking. 

For those preferring traditional banking methods, managing the loan over the phone or in person at a branch is also an option.

Huntington Bank’s secured personal loan is notable because it usescollateral, has substantial loan amounts, and features fixed APRs. The bank provides multiple channels for managing the loan, accommodating a range of borrower preferences.

However, the limited information on certain aspects, such as fees and rate discounts, suggests potential borrowers should contact Huntington for more detailed information or consider more transparent lenders.

Who’s eligible for a Huntington Bank secured personal loan?

U.S. citizens and non-resident or resident aliens with a taxpayer identification number can apply for a Huntington Bank secured loan.

Equally important is employment history, which Huntington Bank uses to assess financial stability and repayment capability. Huntington doesn’t disclose its required minimum age, credit score, or income, but these factors likely play a role in the evaluation process. 

The secured nature of the loan might offer more flexibility in terms of credit requirements, given the added security of collateral. However, it requires a savings account, certificate of deposit, or money market account to serve as collateral. 

CitizenshipU.S. or non-resident and resident aliens (with a taxpayer identification number)
Employment statusMust show employment history
State of residence11 states: Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, West Virginia, Wisconsin, Minnesota, South Dakota, Colorado
Other requirementsNeed savings account, certificate of deposit, or money market account to use as collateral

Pros and cons of a Huntington Bank secured loan


  • High loan limits

    Huntington Bank’s secured loans allow borrowing up to $500,000. This is contingent on approval and collateral value, making it a suitable option for significant financial undertakings.

  • Flexible repayment terms

    The bank mentions flexibility in repayment terms, such as choosing the first payment date up to 60 days after closing. This flexibility can aid in financial planning.


  • Limited information online

    Prospective borrowers face the challenge of limited online information. You must contact the bank or visit a branch for detailed insights into application processes, requirements, and more.

  • Geographic restrictions

    The availability of loans is limited to 11 states (as of January 2024), restricting access for many potential borrowers.

Huntington Bank offers the advantage of high loan amounts with secured loans and flexibility in terms, but the lack of detailed information online and potentially high APRs are significant drawbacks. These factors could hinder informed decision-making and affordability for some borrowers.

In comparison, we’ve rated Best Egg, the best lender offering a secured personal loan, providing more transparent online information.

If you’re outside Huntington’s service area, view our best personal loans page and our complete list of reviewed personal loan companies to explore your options.

What can a Huntington Bank personal loan be used for?

Like most personal loans, Huntington Bank’s loans can be used for a variety of financial needs. However, like most financial institutions, it may impose certain restrictions to ensure responsible borrowing. Typical uses include: 

  • Debt consolidation
  • Home improvements
  • Major purchases
  • Unexpected expenses

Huntington Bank personal loans are adaptable for a range of financial needs, but be mindful of any limitations and ensure that your intended use aligns with the loan’s terms. 

What are the costs and fees of a Huntington Bank personal loan?

Understanding the costs and fees associated with a Huntington Bank personal loan is crucial for borrowers because they affect the cost of borrowing.

  • Interest rates: The cost of a Huntington Bank personal loan is influenced by its interest rates and loan term. Fixed APRs range from 8.51% to 25%, depending on creditworthiness, loan amount, and loan term. Borrowers with stronger credit profiles generally get the lowest APRs.
  • Fees: Huntington Bank doesn’t disclose the fees associated with its personal loans. Loan fees could include origination fees, late payment fees, and prepayment penalties. 

How do you repay a personal loan from Huntington Bank?

Repaying a personal loan from Huntington Bank involves the following aspects.

  • Repayment options: Huntington Bank offers multiple ways to make loan payments. Borrowers can opt for online payments through the bank’s website or mobile app, which is convenient and accessible, or pay by phone or visiting a bank branch.
  • Customization of terms: The bank mentions flexible repayment terms, allowing some degree of customization. This includes the option to select the start date of the first payment up to 60 days after closing. 
  • Impact on overall cost: The terms of the loan, particularly the length of the repayment period and the APR, affect the total cost at the end of the term. Longer terms might reduce monthly payments but increase the total interest you’ll pay over the life of the loan.
  • Early repayment: Huntington Bank does not disclose whether it charges prepayment penalties for early loan payoff. Paying off a loan early can save on interest costs, but first, verify with Huntington about any potential penalties or fees associated with early repayment.

Huntington Bank provides various repayment options and some flexibility in terms but doesn’t offer many details on the specifics of these options

Is Huntington Bank a reputable lender?

Customer reviews are a vital resource for gauging a lender’s reputation and service quality. They offer real-life insights and experiences from various customers, helping others make informed decisions.

Review platforms Trustpilot, Better Business Bureau, and Google provide direct consumer insights. They aggregate customer experiences, offering a broader view of a company’s performance.

SourceCustomer ratingNumber of reviews
Trustpilot1.4 out of 594 reviews
Better Business Bureau (BBB)1.14 out of 5359 reviews
Google2.8 out of 520 reviews

Collected on December 7, 2023.

Huntington Bank’s customer reviews present a mixed picture of its reputation. On Trustpilot and BBB, the bank has notably low ratings. Based on a considerable number of reviews, the feedback reflects dissatisfaction with customer service and fees. 

On Google, the rating is higher but still indicates room for improvement, especially in business dealings and customer support.

These reviews are for Huntington Bank as a whole, not specifically its personal loan offerings. The common themes across these platforms point toward potential issues with customer service and fee-related disputes. Such feedback from a diverse customer base offers valuable insights into the bank’s overall service quality.

In terms of trustworthiness, Huntington Bank holds an A+ rating from BBB, an accreditation that speaks to its legitimacy and business practices. Combined with the bank’s long-standing history, this lends credibility despite the lower customer ratings.

Does Huntington Bank have a customer service team?

Huntington Bank’s customer service team plays a pivotal role in assisting customers with various banking needs. The team is equipped to handle a range of inquiries, from general account questions to specific queries related to personal loans.

The customer service team assists with loan setup, account management, problem resolution, and financial guidance. Their focus is on providing timely and effective support to ensure a satisfactory banking experience for all customers. Huntington also offers specialized support for different banking services, ensuring that customers get tailored assistance.

Ways to contact Huntington Bank’s customer service:

  • Phone:
    • General customer service: 800-480-2265 (available 7 a.m. to 7 p.m. Eastern, daily)
    • Personal loan assistance: 800-628-7076 (specific hours not listed)
  • Portal messages: Use secure messaging through the online banking portal.
  • Chat: An automated chat assistant is available on Huntington Bank’s website for immediate queries.
  • Mailing address: Mail inquiries to your local branch.
  • In person: Visit a local Huntington Bank branch for face-to-face assistance.
  • Mobile app: For digital banking users, the app provides access to account management and support features.

How to apply for a Huntington Bank personal loan

Huntington Bank’s application process for personal loans is straightforward, especially for current customers. An advantage is the ability to check rates without affecting your credit score. 

A full application will involve a hard credit inquiry, which can affect your credit score. This process is similar to most personal loan applications in the industry.

The steps to apply for an unsecured loan are different from a secured one because you can apply for an unsecured loan online. You must visit a branch or call customer service to apply for a secured loan. Here is what to expect.

To apply for an unsecured personal loan:

  1. Start the application: For an unsecured loan, visit Huntington Bank’s website and click “Apply Now.” If you’re already a Huntington customer, log in with your Huntington Bank information. New customers will need to provide an email and password to create an account.
Screenshot of Huntington Unsecured Personal Loan Application
Screesnhot of getting started on Huntington Personal Loan application
Screenshot of Huntington Personal Loan application inputting information
  1. Provide personal information: Enter your Social Security number or taxpayer identification number, and provide other personal identification details.
  2. Submit financial information: Enter details regarding your income, including sources and amounts. Provide employment history to demonstrate financial stability.
  3. Review and submit: Once you’ve filled in all the necessary information, review the application for accuracy, and submit it for processing.
  4. Wait for approval: Loan approval can take a few business days. Huntington will notify you of the decision via email or through your Huntington account.

To apply for a secured personal loan

Visit a Huntington Bank branch or call customer service to apply for a secured loan. The process may involve additional steps and verification compared to the online application.

Screenshot of Huntington Secured Personal Loan application

What if I’m denied a personal loan from Huntington Bank?

If you’re denied a personal loan from Huntington Bank, you should receive a notice explaining the reason for the denial, as required by law. This can help you understand what aspects of your financial profile need improvement. 

Huntington Bank may allow you to reapply, but we recommend first addressing the reasons for denial to increase your chances of approval in the future.

If the denial is due to common issues such as credit score, debt-to-income ratio, or insufficient income, you can take action.

  • Low credit score: Improve your credit score by paying bills on time, reducing outstanding debts, and avoiding new credit inquiries.
  • High debt-to-income ratio: Lower this ratio by paying off debts or increasing your income.
  • Insufficient income: You might need to find additional sources of income or apply for a lower loan amount.
  • Limited credit history: Build a credit history through responsible credit card use or smaller loans.
  • Inaccuracies in application: Review your application for any errors and correct them before reapplying.

Exploring other lenders or loan types, such as secured loans, might provide alternative options.

Huntington Bank personal loan FAQ

Can you have more than one Huntington Bank personal loan?

Huntington Bank may allow borrowers to have more than one personal loan simultaneously. However, this is subject to individual credit approval and the borrower’s financial situation. 

Having multiple loans with Huntington Bank, or any lender, depends on factors such as credit score, income stability, and debt-to-income ratio. If you’re interested in taking out additional loans while having a loan, contact Huntington Bank to discuss eligibility and any potential lending limits.

Can you pay off a Huntington Bank personal loan early?

Yes, you can pay off a Huntington Bank personal loan early. Paying off a loan before its maturity date can be smart because it may reduce the total interest paid over the life of the loan. 

Huntington Bank does not specify any prepayment penalties for its personal loans. However, it’s always wise to review the loan agreement or contact the bank to confirm the terms regarding early repayment.

How we rated Huntington Bank

We designed LendEDU’s editorial rating system to help consumers identify companies that offer the best financial products. Our experts spend hours researching these companies each year to ensure our ratings are fresh and accurate.

Our most recent evaluation compared Huntington Bank to several personal loan lenders across a number of factors, including rates, loan amounts, customer reviews, repayment details, and eligibility requirements. We weighted, scored, and combined these factors to produce a final editorial rating. This rating is expressed on a scale from 1 to 5, with 5 being the highest possible score. We round all ratings to the nearest tenth decimal place.

ProductBest forOur rating
Personal loanNo best-for designation3.9 out of 5View rates