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how loans work, credit concepts, determining loan costs, @spikeatbetterfi, • 9/24/26 There are only 3 things that affect the cost of a #loan #finance101 What are the three factors that affect loan cost? Previous Why does it seem like some loans don't pay down? APR! #debt You Might Also Like Why does it seem like some loans don't pay down? APR! #debt Do predatory lenders have to charge so much?? #debt 12 Years Ago Tennessee Created "Flex Credit" #credit #debt Tennessee is Home to Something WORSE than a Payday Loan #debt Not all #DEBT is created equal: three loan types that trap families already in a bind