The following assumes that you are using 'Particle System-> Render-> Object -> Dupli Object'.  

Option 1) You can press the Convert button for the Particles Modifier. 

 

Option 2) If you would like to keep the particle Emitter intact, you can use the 'Make Duplicates Real' Tool Shift+Ctrl+a.
This will create object particles at every particle position just as if you applied the Modifier but the particle emitter and its particle system will still be intact in case you would like to make further changes.  

How to convert particles to mesh
I am on a 60 months plan with USCCU and now they are offering APR rate of 1.36% for 36 months on used and new vehicles as shown here. Is it a good idea to change my loan term from 60 to 36 months considering the fact that I can afford the monthly installments which could be higher that what I am paying for in 60 months term with an APR rate of say, for example x%.
