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Rates & Fees

Only a lender can provide you with information on their rates and terms. This will typically happen shortly after your loan request is complete, and you are connected with a lender. PersonalLoans.com does not make credit decisions or determine rates and terms. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.


Repayment on personal loans is generally performed either monthly or once every two weeks, depending either on your preferences or your lender's terms. You may be able to have funds are withdrawn automatically from your bank account on the date agreed upon with your lender. Be sure that you read and fully understand all of your lender's policies regarding repayment and understand what you will have to do as a borrower to repay the loan. Your loan can not be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender for more details.

Personal Loan Costs

On the whole, the eventual cost of a personal loan will vary a great deal based on factors related to the requester, the state the requester lives in, the lender, and the requester's repayment. Other factors that matter are the amount of money that is borrowed, the period of time of the loan and the specific interest rates used. Your credit score may also be taken into consideration.

Standard Personal Loan Terms

While specific terms of personal loans will vary depending on our state, your lender and you specific circumstances, below is a general range of common terms.

Personal Loan Examples

Amount Period Monthly Total Paid
$2,000 12 mo $180.52 $2166.20
$4,000 24 mo $182.74 $4,385.74
$6,000 36 mo $199.29 $7174.29