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The APR is a specific rate of interest on the total loan amount and it may vary. It is based on a loan amount, its cost and term, timing of payments and repayment amounts.
Certain states have laws that limit the Annual Percentage Rate (APR) that can be charged by a lender. Personal loan APR may vary by lender and range from 4. 99 to 450. Cash advance loan APRs may start at 200 and reach 1386.
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Loan fees and interest rates are determined solely by the lender based on the lenders internal policies, underwriting criteria and applicable law.