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The term APR is one of the most confusing and unless great care is taken you could be left paying a lot more for your loan than you thought. However when the APR is taken into account for the whole year it adds up to a lot.

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The agreement must also disclose whether the rate is fixed or variable, and how much notice they're required to give you., and if it's variable when and how often it can be changed The APR (annual percentage rate) is the interest rate that will be charged on your outstanding balance.

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