7.3 percent to 24 percent. According to the official website of China Merchants Union Finance, we learned that the interest rate for long-term loans from China Merchants Union is 7.3% to 24%. Depending on personal credit conditions and loan amounts, the interest rates will fluctuate. The long-term loan interest rate is 24%. The long-term loan interest rate is 15.3% and the short-term loan interest rate is 7.3%.