总成本和年利率 (APR) 有何区别？
2.年利率 (APR)： 代表贷款周期内年度资金成本的百分比，仿佛贷款未偿还。
Amazon Lending: Interest rate FAQ
Why was the interest rate lower on my first Amazon loan?
The interest rate on your first Amazon loan was a promotional interest rate. Eligible sellers can receive a promotional interest rate on their first loan.
How can I get a lower interest rate?
Unfortunately, the terms of each loan invitation are fixed and cannot be altered. When you become eligible to receive a loan invitation, many factors are considered when determining how much the loan will be, the loan duration, and the interest rate amount. If you choose not to take the loan, it will not affect future invitations should your seller account again become eligible.
What is the difference between total cost and annual percentage rate (APR)?
Amazon loan invitations will show the cost of a loan as two interest rates:
1.Total cost percentage rate: Total interest cost divided into the principal loan amount.
2.Annual percentage rate (APR): Percentage that represents the yearly cost of funds over the term of a loan, as if there were no payments.
As you make monthly payments, the principal balance decreases, and the cost of interest each month also decreases. The total cost as a percentage is always less than the APR. You are welcome to pay down your loan sooner than the agreed term, and your future interest cost will be less. Amazon loans have no origination fee, no early prepayment penalty, and the interest calculates as simple interest.