Although personal loans do make borrowing money for all needs convenient, the rates can be high. Shopping around will net you a lower cost loan. It is also possible to have the rates decreased by offering collateral, but this is not always the case. Your credit score typically affects the rate you receive, but some lenders use other factors to determine how much to charge.
Loan rates may be fixed or variable. If you do not have a fixed-rate loan, your rate may decrease over time. Unfortunately, it may also increase. Consider the risks and advantages before you decide whether to apply for a fixed-rate or variable loan.
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