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The Borrower can partially or fully accept a loan at any time during the Loan Request fulfillment process by choosing a Loan Offer where the average APR meets the Borrower's expectations.
For example, if the Borrower wanted to borrow 8 ETH, the average APR would be 18.75%; the loan principal is made up of contributions from 2 different lenders, hence the averaged APR.
The Borrower does not need to accept an offer from the top of the Lending Queue if the APR is deemed to be too high. Instead of borrowing 10 ETH at 22% APR, the Borrower can choose to borrow 8 ETH at 18.75% APR.