Dear Reader: With credit as tight as it is today, I don't think many people consider the possibility of getting a personal loan. But a number of banks currently offer both unsecured and secured personal loans, and they can be a reasonable option in the right circumstances. (For example, some banks specifically offer loans and services designed to help people solve debt problems.) Whenever you think about a loan, the interest rate is a key consideration. However, it's also essential that you understand all of the terms before you move ahead. Following are some things to think about as you review your choices.
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