Shockingly high Interest Rates

I am so disappointed that the interest rate on a personal loan is 23.75. This rate is ridiculous and quite frankly ****************. Revolving credit, credit cards and clothing accounts are less than this. I have banked with FNB for over 10 years now and how can you except your own clients to afford this greedy interest rate. We will go bankrupt before paying back the loan at this rate. Really disgraceful to say the least!