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Glossary

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Installment Loan

A loan that you promise to pay back by paying the same amount of money on a regular basis, usually monthly, for a specific amount of time. For example, you might pay back an installment loan by paying $300 a month for 5 years. Student loans, home equity loans and auto loans are usually installment loans.

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Interest Charges

Interest charges are the cost of consumer credit expressed as a dollar amount. They include any charges, such as interest and fees, paid by the consumer to the creditor for obtaining a loan.

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Interest Rate

The rate that a bank or credit issuer charges for the money it lends to you.

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