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We do not charge any fee or cost to submit a loan request on SmarterLoan.com. The APR on a personal loan from our network of lenders varies. If you are approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your formally accepting their offer. SmarterLoan.com is not a lender and cannot predict the exact fees and interest that will be attached to the loan offer presented to you. You are not under any obligation whatsoever to accept the terms that the lender presents to you.

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