The thermosphere is directly above the mesosphere and below the exosphere. It extends from about 90 km (56 miles) to between 500 and 1,000 km (311 to 621 miles) above our planet.emperatures in the upper thermosphere can range from about 500Â° C (932Â° F) to 2,000Â° C (3,632Â° F) or higher. The boundary between the thermosphere and the exosphere above it is called the thermopause. At the bottom of the thermosphere is the mesopause, the boundary between the thermosphere and the mesosphere below.
For individuals with average to poor credit, APRs on personal loans can be between 18% and 36%. In many states, a 36% APR is the legally allowed cap on personal loans, though exceptions do apply. If you donât have a credit score or credit history, you may have difficulty qualifying for a personal loan.
In the meantime, the average loan balance on unsecured loans has been creeping higher. In 2015, the average balance was $7,235, up more than 7 percent from the year earlier, according to TransUnion. The average balance will grow by another 5 percent in 2016, to $7,599, according to TransUnion's personal loan forecast. The interest rate on a personal loan is 11.3 percent, on average, according to Bankrate, although those with very good credit can get a rate as low as 5.5 percent. That's notably less than the average credit card rate of 15.7 percent. But despite their current popularity, this type of loan is not for everyone, Albery cautioned. People with home equity should consider home equity loans and lines of credit, which charge lower rates and have a tax advantage, he explained.