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It's also one of the few lenders that offers secured loans for those who wouldn't otherwise qualify for a personal loan. Bankrate's top personal loan picks serve the needs of many kinds of borrowers. Beyond the loan's interest rate, banks may apply additional fees such as processing, verification, and penalties for EMI defaults. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors. Review interest rates and fees: Personal loan APRs vary widely based on your credit score and the lender.