<p>Unexpected expenses have been crawling up on me lately. I didn't want to take a loan, but I might have to.</p>
<p>I checked out a Wells Fargo personal loan. They show how much you have to pay each month for a 12 month period.</p>
<p>It shows that the monthly payment for a $5,000 loan is $437.84 (which would come out to $5,254.08 for 12 months).</p>
<p>Is that the amount I would actually pay for the 12 month loan?</p>
<p>"Rate and Payment Calculator Results
The following are results for: Secured Personal Loan in Texas.
Amount Term APR* Monthly Payment<br>
$5,000 12 months 9.25% $437.84
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<p>Next Steps</p>
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<p>Apply now online or call 1-888-667-5250. Find a store This tool is for illustrative and educational purposes only. Your actual APR will be determined upon receipt and evaluation of your credit application. Rates and terms are current as of November 10, 2007 and are subject to change without notice. * The fixed Annual Percentage Rate (APR) is a sample APR. The quoted APR assumes excellent borrower credit history and includes a 0.25% APR discount for automatic payment from a Wells Fargo Bank checking or savings account. The APR will increase by 0.25% if the automatic payment feature is not elected or is cancelled. Origination fees vary by state and range from $0 to $100."</p>
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