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19-Mar-2020 03:04

The annual percentage rate (APR) for a loan typically incorporates points and finance charges, whereas the APR for a line of credit typically reflects only the interest rate.

With a loan, you'll receive a payment totaling the full amount borrowed upon closing.

Wise Bread is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to The money is still owed, even if you're not paying high interest rates on it.

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The drawback, of course, is that you could be jeopardizing your retirement savings.There's typically a fee in the range of 3% of your debt that you'll pay upon shifting your balance onto the new card.