Rates and Terms for Personal LoansPersonal loan rates are some of the lowest in the loan industry. The low interest rate and the option to borrow the money for a period of up to 36 months make these loans a great alternative to regular bank loans or paying interest on a credit card. Generally the rates for a personal loan are lower than other online loans and the final cost of the loan is determined by adding the loan principal and the interest rate. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by lender, and to accept the loan agreement made directly between you and the lender.
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Online personal loans have a few advantages when compared to other online loans such as: a longer period of time in which to repay the loan, bigger loans, and flexible repayment conditions. Applying for a loan is easy and is based on an online form system; the money is wired directly to your bank account in minutes.