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James Carmody on Instagram: "APR vs. Interest Rate 🤯 Most people think they’re the same thing. They’re not. If you’ve ever looked at a loan estimate and thought “Why is my APR higher than my rate?” This video is for you. Quick breakdown ⬇️ • Interest rate = cost of borrowing the money • APR = interest + closing costs over the life of the loan The real red flag 🚩 When your APR is WAY higher than your interest rate. That usually means hidden fees, junk costs, or a loan you need clarity on before
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