Can you negotiate near bank on APR's for a loan or do you enjoy to adopt anything they hand over you?

I am going to get a loan to pay envelope off credit cards and the APR they give me is kinda high (24.65). can I negotiate beside them on the APR or do I just enjoy to accept what they pass me if I choose to take their Loan? And will getting a shorter loan use up it as well or do they basically give you one rate? I don't enjoy colateral to put up for it is that why it is so high?

Do you know any uncomplicated loan for poor credit?



Answers:   You can try and negotiate but it depends on your credit ranking whether you will be successful. You can shop around for the best interest rates.

Should i remuneration the 38,000 up front?


The rate they will offer is base on your credit and income - so its pretty much take it or depart it.

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