For many borrowers, finding an unsecured personal loan with a reasonable interest rate can be extremely difficult. Often, borrowers are forced to consider lenders that charge high interest rates and hefty fees, or request valuable items as collateral. With CreditShop, consumers can qualify for an interest rate ranging from 18% to 30%. And CreditShop customers who make their monthly payments on time never pay ongoing transaction fees, late fees, annual fees, or prepayment fees. For all these reasons, a CreditShop loan might be a smart choice that costs less for many consumers.