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so with interest rates pretty low right now on many credit products you may be wondering if now is a good time to take out a personal loan now i cant answer that question for your specific situation but there are definitely some things that you should consider before taking out a personal loan so in this video i want to go over the pros and cons of getting a personal loan but right here off the bat i want to define what im talking about when im talking about a personal loan first im not talking about a payday loan or cash advance i dont even consider or refer to those as personal loans those are scams and rip offs when im talking about a personal loan im talking about you applying for a loan at a reputable lender financial institution getting the money deposited into your bank account and then making fixed monthly typically monthly could be some other interval monthly payments of principal and interest throughout the term of the loan with that interest rate being in the single d