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To get a personal loan, you need to apply to a lender

One Hour Payday Loan | South Lake Pain Institute

How a Personal Loan Works

Generally, you would first complete an application. The lender reviews it and decides whether to approve or deny it. If approved, you’ll be given the loan terms, which you can accept or reject. If you agree to them, the next step is finalizing your loan paperwork.

When that’s done, the lender will fund the loan, which means paying you the proceeds. Depending on the lender, these may arrive through a direct deposit into your bank account or a check. After the loan is funded, you can use the money as you see fit. You then have to begin repaying the loan according to the terms established in your loan agreement.

Defaulting on a personal loan could cause significant damage to your credit score. You could also lose your collateral with a secured loan or risk being sued by your lender to collect the debt.

Example of a Personal Loan

When considering a personal loan, it’s helpful to understand how much it may cost. The annual percentage rate (APR) on a personal loan represents the annualized cost of repaying the loan based on the interest rate and fees. The APR and loan term can determine how much you pay in interest total over the life of the loan.

For https://www.paydayloansohio.net/cities/findlay/ example, assume you get a $10,000 personal loan with an APR of 7.5%. The loan has a repayment term of 24 months. Using those terms, your monthly payment would be $450 and the total interest paid over the life of the loan would be $.

Now assume you borrow the same amount but with different loan terms. Instead of a two-year term, you have three years to repay the loan, and your interest rate is 6% instead of 7.5%. Using those terms, your monthly payment would drop to $304, but your total interest paid would increase to $.

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#5. Upstart: Best for Debt Consolidation Loans

One Hour Payday Loan | South Lake Pain Institute

LightStream’s personal loans offer appealing repayment terms ranging from two to seven years, allowing people to decide whether they want lower monthly payments or a lower total amount paid back.

Unlike many lenders, LightStream doesn’t have hidden costs such as origination fees, prepayment penalties, or late-payment fees.

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