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BEST LOAN to get???
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[quote][i]Originally posted by Dave A[/i] remember that the APR is not an accurate representation of the amount you will have to pay back. for example: a loan from the bank of scotland of £5000 over 60 months with an APR of 11.5% is £19 per month less than: a loan from Lloyds TSb for the same amount over the same term with an apr of 9.5% weird huh? Ive been selling finance for 4+ years, the APR is a very misleading figure to go by, ask wether it has a decreasing balance (loan amount decreases every month rather than annually and therefore the amount you pay the interest on each month decreases) the important figures to go by are the monthly payment, and total payable, APR is used as a sales tool to give the impression of a good feal as this is what the average punter looks at! hope that helps:thumbs: [/quote]
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