Negotiate. You can always ask your lender to lower the APR, take out a charge you dont want to pay, or remove a loan term that you dont like.

Make sure you understand all of the items on the forms before closing. Dont be afraid to ask questions and be assertive about what you want, what you dont want, and what you can and cant afford. Be sure to keep all copies of all the actual documents you are asked to sign.

Remember: Trust your instincts.

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Ntb personal loan details