Personal Loan vs Peer-to-Peer Lending: Which Gets You a Better Rate With Fair Credit

Fair-credit borrowers face 20%+ APRs on P2P platforms after fees, while credit unions offer rates 2–3 points lower than both banks and peer lenders.

Fair-credit borrowers face 20%+ APRs on P2P platforms after fees, while credit unions offer rates 2–3 points lower than both banks and peer lenders.