Understanding Annualized Percentage Rates (APRs)

According to the federal government’s Truth in Lending Act (TILA), APRs are defined “as the cost of credit expressed as a yearly interest rate.” The key word being “yearly.” APR accounts for the entire cost of the loan, including all fees and interest.
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Revolving Credit Lines vs. Installment Credit Lines

There are some major differences between revolving credit lines and installment credit lines that influence how fast you can pay off the debt. Here’s what you need to know about each of these options:
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