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A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $1,500 for a term of 12 months, with an APR of 44%. In this example, the borrower will receive $1500 and will make 12 monthly payments of $133.26. There is no downpayment and payments must follow the agreed schedule. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.