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The average personal loan rate for a bad-credit borrower was 22.04% in October 2023, according to aggregate, anonymized data from NerdWallet’s lending marketplace. Bad-credit borrowers received ...When you borrow money from a bank, credit union or online lender and pay them back monthly with interest on a set term, that’s called a personal loan. Choose a personal loan that best fits your situation and compare rate offers from differe...During the first 60 to 90 days of the car loan. 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