Скачать или смотреть What is APR (Annual Percentage Rate)? How it impacts your payment?

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#1: APR doesn’t always mean how much interest you’ll pay
APR stands for Annual Percentage Rate and it is an annualized measure of what you will pay when you borrow money. That “annual” is especially important when you are thinking about short-term lending. Let’s say you borrow $100 at a 36% APR. You will only pay $36 in interest if you hold the loan for a full year and pay off the full amount at the end of the year. If you pay off the loan with a lump sum in one month, you will pay a total of $2.96 in interest.

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