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Some factors the lender will consider are; age, income, credit and payment history, and total debt to income. Poorer credit history for example will result in a higher APR. Unsecured loans carry a higher interest rate than secured loans, so whether this rate is expensive must be based upon your personal credit experience.
Is 15.50% interest rate and 19.14APR on a 13k unsecured personal loan for 36 months too high?
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