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Some of the terms you may see and factors involved are:Annual Percentage Rate (APR): The APR is the interest rate you would pay on the total amount borrowed if you had that amount outstanding for a year.

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This practice maximizes the probability that the lender will timely receive the payment under the covered longer-term loan, but it also means the term of the loan (as well as the relevant period for the lender's determination that the consumer's residual income will be sufficient under proposed § 1041.

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