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2. How to qualify for competitive rates on low-interest personal ...

   www.aol.com/finance/qualify-competitive-rates...

   Each lender has its own eligibility requirements for personal loans. However, there are some general guidelines that most lenders require to keep in mind before applying: Credit score.

3. How to get a personal loan in 9 steps - AOL

   www.aol.com/finance/personal-loan-8-steps...

   Tip: Include fees in your loan amount calculations. Personal loan lenders may charge origination fees up to 10 percent of the amount you borrow, and the cost is typically deducted from your loan ...

4. Where to get a personal loan - AOL

   www.aol.com/finance/where-personal-loan...

   401(k) loan: If it’s an option, a 401(k) loan is another easy way to access fast cash without having to meet stringent eligibility guidelines or undergo credit checks.

5. Credit limit - Wikipedia

   en.wikipedia.org/wiki/Credit_limit

   A credit limit is the maximum amount of credit that a financial institution or other lender extends to a debtor on a particular credit card or line of credit.Lenders generally set limits based on specific information about credit-seeking applicants, including income and employment status.

6. Annual percentage rate - Wikipedia

   en.wikipedia.org/wiki/Annual_percentage_rate

   The monthly payments, using APR, would be $1755.87. However, using an EAR of 10.00% the monthly payment would be $1691.78. The difference between the EAR and APR amounts to a difference of $64.09 per month. Over the life of a 30-year loan, this amounts to $23,070.86, which is over 11% of the original loan amount.

7. 3 steps to calculate your debt-to-income ratio - AOL

   www.aol.com/finance/3-steps-calculate-debt...

   Use your monthly payment for fixed-rate loans like personal loans and auto loans. Use your minimum monthly payment for variable-rate accounts like credit card payments or a home equity line of credit.