Borrowing money via a credit card may be fast and convenient, but it isn't at all cheap.
According to Business Insider, the average credit card interest rate is currently over 17%.
On the other hand, personal loans come with fixed interest rates as low as 5%, fixed monthly payments, and a fixed repayment timeline.
Personal loans are usually best for people who need to borrow with a plan.
But there are downsides, too.
For instance, you can't pay them off early and avoid paying the interest.
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