Personal Loans & Credit Cards

Bank loans and credit cards usually have lower interest rates than other types of credit. People with good credit can get even lower rates. However, to get these loans you will need to complete an application and wait for approval. Lenders will be looking to see if you have a regular job and a good credit record.

It may be easier to get a loan through a finance company. However, you will pay a higher interest rate than at a bank or credit union.