Resources
Guides that explain the fine print.
Short, practical reading on borrowing, credit and repayment — written the way we'd explain it on the phone.
APR vs. interest rate
The rate is the cost of the money. The APR includes fees, which is why it's the number worth comparing.
How lenders read your application
Income stability, debt-to-income ratio and payment history usually matter more than the score alone.
Paying a loan off early
Extra payments applied to principal shorten the term. Confirm your lender applies them that way.
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