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Not sure where you live, but if you've got a BB&T around you I'd go to them. I recently got a small 5-yr personal loan from them, paid it off in about a year and a half and saved a ton on interest. They're mostly in the eastern part of the country however. I've had a really good relationship with them, very similar to when I was dealing with credit unions; there was a minor snafu during the mortgage process, but that got resolved sufficiently.