什么是个人贷款？
a personal loan is expected to be paid back in monthly payments over a set term. available from banks, credit unions and online lenders, personal loan offers can be used for anything. they’re a better alternative than high-interest credit cards or payday loans because it comes with fixed terms and comparatively low interest rates.
截至2020年8月，average rate在24个月的个人贷款中是9.34％。这是近年来略有下降，其中平均率在2017年至2019年的平均率为10.13％-10.32％。