Before you apply for a personal loan, be sure your credit is in good shape. After that, seek lenders who provide personal loans with the characteristics you want and gather the information you'll need to apply. Then, depending on the lender, you may receive an interest rate estimate before applying.
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Personal loans can be secured or unsecured. With a secured personal loan, you must provide collateral if you cannot repay the loan. You don't have to put up collateral with an unsecured loan, the most frequent form of personal loan. If you do not repay the loan, the lender will not be able to seize any of your possessions.
- Debt consolidation - Remodeling a home - Emergency expenses - Vacation costs - Moving costs
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Personal loans provide a flat sum of money that you repay each month until your debt is zero, but credit cards provide you with a line of credit and a revolving balance depending on your spending.
When you need a personal loan to assist you or to manage your finances, Seek Capital can connect you with lenders who provide loans ranging from $1,000 to $50,000 with interest rates as low as 2.49 % APR.
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