Finding the best personal loans for you: 5 ways to compare

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  • Why you’re getting the loan
  • Your credit score, income and assets
  • Your ability to repay a particular amount off the loan each month
  • Flat fee that applies regardless of the value of the loan (e.g. $150)
  • Tiered fee based on the total amount borrowed (e.g. $250, $500, $750)
  • The total amount borrowed
  • Your credit or risk profile
  • Hybrid fee (e.g. $200 + 2% of the loan amount)

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