Buying car at 3.9% APR, is it better to NOT put down payment? The car is $40,000 and I qualify for the promotional 3.9 APR they’re running. It’s a new car, and I’m debating about putting a down payment in. I have enough cash to put in $20k but I’m trying to convince my spouse it’s better to keep the cash for other initiatives (we have home improvement plans) and that we should just make payments. The payme…

Making a purchase via Klarna… but it is telling me that I will pay 0% (0.00%APR) interest for 24 months? What’s the catch? Hi guys. I’m trying to make a $2700 purchase online, but I want to make installments on the payments. The seller I’m trying to buy from offers the Klarna option, so I clicked through the app to see what the offer would be. For a purchase of $2700, it offered me a payment option of 24 or 48 months, at 0 -29.99% APR. When I clicked the 24 month op…

Just found out my pregnant fiancé has $28k credit-card debt at 22.9% APR. Now what?? This is obviously very shocking to me. I realize the gravity of the situation but she is oblivious. She has been paying just interest each month which is approx $550. Furthermore she is still using the card for expenses here and there including monthly subscriptions. Of course I told her that we need to cut the card up right away and stop all us…

Wells Fargo Credit card is charging interest when I was told the card would have 0% APR for 36 months So I went to micro center for a new PC and Monitors and I applied and was approved for a wells fargo microcenter credit card. It would give me 5% off my purchase and with 0% APR for a year, I thought it would be a good idea since I can just pay the minimum until the last month. Well I don’t know if I misunderstood how this works but I have been…

My credit card is offering a 0 apr cash programme, does it make sense to borrow to pay off part of an 8.5% loan? I have a ~43,000 home equity loan at 8.5% variable rate. I pay $304 just on interest in the loan each month. My credit card mailed me something about a cash programme at 0% apr for 12 months with a $250 fee. I could borrow $20k. If I put that to the loan, I would save approximately $1600 in interest per over 12 months, which is a lot more than t…