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A typical two-week payday loan with a $15 per $100 fee equates to an annual percentage rate (APR) of almost 400%.”. Personal loans come with APRs that are a fraction of that cost. Top online lenders SoFi, Payoff, Upstart, Prosper, LendingClub, and Avant have APRs ranging from 3.99% to 299.00% on personal loans.
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Student loans. You can apply for a student loan through StudyLink. If you have a loan and either earn over $19,760 or live overseas you have to start paying