River Valley Loans /Offer

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Personal loans are usually unsecured, meaning you don’t risk losing your property if you fail to repay a loan. Some lenders also provide secured personal loans, which may be easier to qualify for or have lower rates.
Rates can be lower than credit cards

Personal loans can have lower APRs than credit cards, especially if you have a high income and credit score. According to the Federal Reserve, the average interest rate on a two-year personal loan from a bank was 12.35% in the fourth quarter of 2023, while the average credit card interest rate was 22.75%.