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> These kinds of comparisons depend on jargon like “APR” and numbers with multiple asterisks.

Knowing what APR stands for is pretty basic stuff. The author admits a few sentences later that she had to Google it. Are they patronizing their readers, or is she really that ignorant of how loans work?

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Yes most peaple are ignorant about basic finance. That is where 'cheap and fast' loans companies get their money from

Most people don't understand how compound interest works or that APR isn't actually simple interest, but compound interest calculated monthly or in some other way along with secret fees.

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