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Annual Percentage Rate (or APR) expresses the cost of the loan as a percentage of the amount borrowed converted to an annual rate. Spotloans and payday loans are completely different. Spotloans are short-term installment loans, which means you pay back your loan over time. You choose how long you want to pay the loan back - anywhere from 3 to 10 months. As you make these payments, you pay down both the interest and principal until the loan is paid off.
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