Do a search in your community to find all lenders that make personal loans. Make two columns on a page and list all of the banks and credit unions on one side of the page and on the other side list all of the other lenders. Call a few of the lenders and ask them what their typical APR is for a 1-year personal installment loan or similar product. Also ask about the application process. What did you find out? What are the differences you observed between the two groups? T T T: a E 99 -1 11: O Words