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Personal Loan Rate and Terms Disclosure: Rates for personal loans available through the Refibot platform range from 7.49% to 35.99%, with repayment terms extending from 24 to 84 months. The rates you receive are quoted directly from lenders' websites and are based on the information you provide along with a soft credit inquiry. These rates are influenced by the lender's eligibility criteria, which include factors such as your credit score, loan amount, loan term, credit usage, and history. Rates may also vary depending on the purpose of the loan. Typically, the lowest rates are available to applicants with excellent credit and, for some lenders, may be reserved for specific purposes or shorter loan durations. Consider a typical example: For a personal loan of $10,000 with a three-year repayment period, an interest rate of 7.99%, and an origination fee of $350, the APR will be calculated at 11.51%. You will receive $9,650 at the time of loan funding and will be required to make 36 monthly payments of $313.32. Assuming all payments are made on time, and all terms and conditions of the loan contract are met, the total amount repaid will be $11,279.43. Debt consolidation and credit card refinancing involve using a new loan to pay off existing balances. This does not eliminate your debt but replaces it with another form of debt, potentially with more favorable terms. However, the overall costs might be higher due to interest rates and fees over the life of the loan. We recommend consulting with a financial advisor to determine if refinancing or consolidating your debt is the best financial strategy for you.