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Representative example: Amount of credit £3,250 for 36 months.
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For open-end credit, the total cost of credit must be calculated following the rules for calculating the effective annual percentage rate for a billing cycle as set forth in Regulation Z, (c) and (d) (as if a lender must comply with that section) and must include the charges set forth in paragraphs (i)(A) through (E) of this section, including the amount of charges related to opening, renewing, or continuing an account, to the extent those charges are set forth in paragraphs (i)(A) through (E) of this section.
There are those of us that need a loan fast, but may need a little more say, a week later.