What is a personal loan?

A personal loan is an unsecured loan you can use for almost any purpose - debt consolidation, home improvements, medical expenses, etc. Unlike mortgages or auto loans, personal loans aren't tied to specific purchases.

What's a good APR for a personal loan?

Personal loan APRs typically range from 6% to 36% depending on your credit score. Excellent credit (720+): 6-10%. Good credit (690-719): 10-15%. Fair credit (630-689): 15-25%. Poor credit: 25%+. Shop around with multiple lenders to find the best rate.

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