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Someone with poor or average credit may be able to get an unsecured personal loan on the strength of a steady income and low debt levels, but should expect rates toward the higher end of the range — up to 36%.

The site has a compatibility test to match you to other members that share similar interests and values.

Your credit scores can take a hit if you use all or most of the available credit on your cards.

A personal loan balance is reported as installment debt, which is treated differently in credit scoring formulas than revolving debt such as credit cards.

Such cards have an introductory 0% interest rate, which increases after a promotional period, usually no more than 21 months.