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Be wary of brokers that offer to connect you with lending partners this can result in a lot of calls and emails about offers. We stuck with direct lenders who comply with state laws. A good way to tell if a lender follows the rules is if its website asks what state you live in before giving you a quote.
If a lender says all canandaigua national bank personal loans have the same fee no matter where you live, thats a tipoff you may be dealing with a less-reputable lender you should avoid. We didnt include any of those lenders on our lineup. How We Tested.