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The average interest rate on a two-year personal loan is 10.70%, according to the Federal Reserve, compared to the average credit card interest rate of 17.69%.

Its unsecured personal loans have interest rates ranging from 7.99 percent to 35.89 percent APR with loan amounts from $1,000 to $50,000 and lending terms of 36 or 60 months.

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Years after the housing crash, real estate is now the favored long-term investment among the highest percentage of Americans.

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