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How Does Your Personal Loan Rate Compare to the Average? – the average personal loan balance is $15,143, the average monthly payment is $353, and the average annual percentage rate (APR) is 9.37%. APR is a broader measure of loan costs than the interest alone.

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Cashing the check enters you into a loan agreement that may last multiple years and. “They told me that it would be nice to have extra cash for the holidays. But it’s not cash, and the rate was.

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