Preferential loan interest rate is a loan with preferential interest rate. Preferential interest rate is the lowest interest rate for commercial banks to issue short-term loans to customers, and it is also the main interest rate for commercial banks to determine other loan interest rates. For loans with different risks, commercial banks usually use "preferential bonus" or "preferential double" to determine the interest rate to make up for the transaction risks. When adopting the preferential addition process, commercial banks will add a certain percentage point to the preferential interest rate according to the loan risk.

Preferential interest rate is usually used as the basic interest rate for capitalist countries to determine other interest rates. Capitalist commercial banks generally only provide preferential interest rates to their large-scale and reputable industrial and commercial customers.