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💡 What is an APR—Really? When comparing loans or credit cards, you’ll often see APR, but what does it actually mean? • Interest Rate: The cost of borrowing the money • Fees: Costs tied to the loan (like origination fees) • APR: The true cost of borrowing, including interest and fees Understanding APR helps you make smarter financial decisions and avoid surprises down the road. | CAHP Credit Union
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