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When researching and applying for personal loans online, there are some basic facts to keep in mind. The Annual Percentage Rate (APR) is the interest rate you'll pay each year on the loan. This interest is typically apportioned out over the individual payments throughout a given year. Remember always to ask what fees are also associated with the loan, as they may not be listed. Lastly, be advised that personal loans impact your credit score the same as institutional loans... Apply now for completely online personal loans for bad credit. Get fast cash online for emergency money or to help payoff or buyout your loans.