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28/12/2019 · 2019 Hard Money Loan Rates. The current hard money loan rates in 2019 have ranged from percent to 15 percent. Hard money loan lenders have the option to charge points on your loan, as well. Points are sometimes called origination fees that cover the administrative costs of the loan and helps mitigate any risk or hit the lender may average interest rates charged on hard money loans are between 11 and 18 percent of the total amount of the loan. This rate is more than twice the average rate on a conventional mortgage, which is can fall between 4 and 6 percent of the total loan ;· Hard money loan rates will vary from lender to lender and also vary based on the specific type of loan and terms requested by the borrower. Hard money lending rates (private money lending) in general are higher than interest rates available from conventional lenders such as credit unions or banks. Hard money lender rates typically range from 8-14%.Interest rates of hard