Thank you so much for the detailed guide!! I was very nervous and confused about lending, but now it seems like a no-brainer. At first I thought the rate was the same as the APR and I was extremely underwhelmed, haha!
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I'm glad this helped make sense of it for you! Yeah, those rates do seem underwhelming until you realize how they stack up over time. And once you get the hang of it, you can almost manage it on auto pilot just spending a few minutes each day to make any necessary adjustments. Good luck and have fun!