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Dec 6, 2017. Most fall between 5% and 40%, with the two most established contenders on our list, Prosper and Lending Club, leaning toward the high end with maximums of 36 % and 34.4%, respectively. The best rates will only be offered to borrowers with the strongest credit history, but having the option for a low APR.

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FHA advises prospective home buyers to approach FHA loans with their best possible credit history to eliminate any potential risk of not qualifying.