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Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range noted above.
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Theres also the lengthy wait for bank loan decisions regardless of your credit rating. For some borrowers, the answer to the question Where are personal loans near me? is a loan from a lending broker, an online peer-to-peer lending platform or even pawn shops.
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