 TITLE: Should I Get a 0% APR Card or Personal Loan? CONTENT: ### LendingPoint\nApply\non LendingPoint's website\n**Recommended FICO® Score\\***\nFair - Good\nAmount\nAvailable loan amounts: $2,000 to $25,000\nEst. monthly payment: $95 to $1,437\nGrace period: 0 days\nApplication fee: $0\n##### Loan Details\n*   Personal loans from $2,000 to $25,000\n*   Rates from 15.49% to 35.99% APR with no prepayment penalties\n*   Check your rate for free without impacting your credit score\n*   Qualified customers receive offers in three simple steps, and funds in as little as 24 hours if approved\n*   Simple and Secure - quick online application\n*   LendingPoint's customer success representatives are available online or by phone 24\/7, just call 888-969-0959\n*   Terms from 24 - 60 months\nDisclosure\nIf your credit is fair, you may struggle to get approved for personal loans. But this lender specializes in loans for those with credit scores as low as 585. Loans can be instantly approved—just be aware that interest rates start at 15.49% and go up to 35.99%. END