Level 2

Credit cards

Years ago after a home purchase I took out a personal loan with my bank and it was 14K at 10.19%. With Lending Club I borrowed 35K at 14.52%. I think it depends on other individual factors such as debt to income ratio (mine was high), so you could stand to get much better rates than me. Get a quote from both.

I called my bank and got full details before committing. Same with Lending Club, they had a myriad of plan options to choose from before making the final decision.