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Personal loan rates range from 6–36% APR depending on credit score and lender. Compare total interest paid across loan terms—a lower monthly payment from a longer term often costs thousands more overall. Origination fees (1–8% of loan) are typically deducted from disbursement or added to balance. Prepayment penalties are now rare but worth confirming before signing.
Fixed-rate amortizing loan; payment due at the end of each month. Does not include fees, insurance, or taxes. For planning only.