That doesn’t mean borrowers automatically pay high rates. Rates can be as low as 6% for people with stellar credit. Pay attention to the interest rate Paying close attention to the interest rate a lender is charging is extremely important when shopping for a personal loan. Your credit score will dictate what range you fall into, but the exact percentage you pay will vary from one lender to the next. That variation can be about 500 basis points, or 5 percentage points, says Sam Mischner, a senior vice president of an Internet lending marketplace operator. That may not seem like a lot but it can add up quickly, and “dramatically change the affordability of the loan,” he says. Because the interest rate can be different from one lender to the next, consumers have to make sure they are shopping around for the best rate.
http://finance.yahoo.com/news/personal-loans-101-everything-know-100000641.html
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