There are a few ways to apply for a personal loan, but these may vary depending on the lender. One method is physically going to a bank or credit union and filling out a paper application.

For some borrowers, that means turning to a brick-and-mortar bank like TD Bank for a loan. CNBC Select delivers important details on discounts, funding amounts, loan terms and more. 9.99%–23.99% ...

If you miss a payment, Citizens Bank will charge you 5% of the payment amount. Typically, student loan refinancing lenders only work with applicants that have earned a bachelor’s degree or higher.