 TITLE: What Are the Different Types of Personal Loans? CONTENT: How to Get a Personal Loan\n--------------------------\nYou can find personal loans from a variety of financial institutions, including banks, credit unions and online lenders. In general, you should look for the loan that has the lowest fees and interest rates (in other words, the lowest APR).\nYou can use a personal loan calculator to estimate your payments based on how much you want to borrow. However, you won't know the exact APR of your offers until after you apply.\nGetting prequalified with several lenders could help you narrow in on which one could offer you the most favorable terms. (It won't necessarily be the lender that has the lowest advertised rates.)\nOnce you check your offers and are ready to apply, many lenders have a straightforward online application process. Lenders may also ask for verification documents, such as copies of recent pay stubs. After approving your application and verifying your information, many lenders can directly deposit the loan into your bank account. It may take several days for the transfer to be completed. END