anyone know a good bank with good interest to take a personal loan from? this will be my first time so I'm kinda worry. Thx

The bank of mom and pop.

Shut up.

what kind of loan are we talking? and the amount?

Wells Fargo?

I'm going to have to assume that you are a student as this was posted in the Education Chat. If so, then it would behoove you to take out a federally guaranteed loan over a private loan with a variable rate. I believe STAFFORD is set at a fixed rate of 6.8% and if you are graduate student then you can apply for a gradPLUS loan that currently is at a fixed rate of 8.5% until 2013. That way, you can see if you can qualify for pell grants and subsidized STAFFORD loans, etc. before you resort to taking out a private loan.

I believe the interest rate of private loans will fluctuate on a monthly or quarterly basis according to the current Prime Rate, LIBOR, etc. The standard terms and conditions probably do not differ all that much between lenders.

This is a pretty helpful site:
http://www.finaid.org/

If you're Canadian, then I guess it would be different. I have friends in dental school in the states who are from Canada and they have to take out private loans from the area of their established residence to pay for a whopping $$ in tuition and some of them live in Boston and Manhattan so they're also taking out a lot for their living expenses but I don't know anything about the types of loans that they are getting so I can't help you there.

LOL

How's that funny?

Prosper.com baby