Personal loans have been growing in popularity as Americans look for flexible and affordable ways to cover some of life’s biggest expenses, whether they’re consolidating debt or financing a home improvement project, paying for a wedding or buying an RV. Nearly 22% of U.S. adults have a personal loan, according to credit bureau Experian.

If you’re looking for a personal loan, this comparison tool provided by Engine by Moneylion will help you find one that’s right for you:

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Personal loan APRs, at the time of writing this article, average 9.46% for two-year loans, according to the Fed’s most recent data.

Interest rate, sometimes referred to as APR, is the monthly charge customers pay to the banks for the money they borrow. APR stands for “annual percentage rate,” and it is expressed annually (for instance, 12.29% APR means you pay that amount over 12 months). However, interest is actually broken down into smaller chunks and paid every month on top of your principal payment.

There are two kinds of APRs:

• Fixed-rate APR: With a fixed rate APR, you lock in an interest rate for the duration of the loan’s term, which means your monthly payment won’t vary, making it easier to plan your budget.
• Variable-rate APR: Variable rates fluctuate based on the Fed’s prime rate and can go up and down over the lifetime of your loan.

Most of the personal loans we recommended on our best-of list come with fixed-rate APRs. Your monthly payment stays the same for the loan’s lifetime, and as the balance goes down more of your monthly payment is actually applied to the principal (and less goes to interest).