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Personal loans may have fixed or variable interest rates, and they may be offered with different repayment terms, such as monthly payments over a period of several years. While these loans may seem convenient, they often come with high fees and interest rates, which can make them difficult to repay.

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The interest rate on a bank loan is typically based on the montana borrower's credit score and financial history. If possible, it may be a better choice to seek alternative sources of funding, such as a personal loan or a cash advance from a bank. One of the loans main drawbacks is the high cost.