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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.
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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.