Hi, me again. So i'm trying to get a loan from prosper. They are taking a $444.51 cut from my loan (so i'm "getting" $4,944.51 from loan) and i'll be paying a total of $6,100 in a 3 year span. $169.86 a month with a 21.14% APR.
Am I paying too much or this is how loans are?
So update with my loan, its not going well at all. So because I have $1,333 on affirm (technically a loan) no one is approving a loan or credit card. I tried to apply for chase slate card, declined. I tried to get a loan through chase, declined. I tried to get a loan through navy federal, declined. I tried to get a loan through USAA, declined. I tried to get a 15 month 0 apr credit card from USAA, declined.
I'm at a loss on what to do since no one is accepting anything. I work in the food industry making 16.50 and 30,000 a year. I'm 23 years old and work full time with overtime. I'm trying to get a $4.5k - $5k loan or low apr credit card.
Does anyone have a bank or site that could help me?