Most loans have an annual percentage rate. The annual percentage rate is also called APR. The APR is how much it costs you to borrow money for one year. The APR on payday loans and cash advances is very high. When you get a payday loan or cash advance loan, the lender must tell you the APR and the cost of the loan in dollars. What is an APR. The annual percentage rate, or APR, is based on: the amount of money you borrow the monthly finance charge or interest rate how much you pay in fees how long you borrow the money.
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