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Smart Borrowing
HH Advertising doesn’t set loan terms, but we can help you read them.
1. The term trade-off
A longer term means smaller payments and, usually, a bigger total.
$1,200 at 23.50% APR: $83.58 in finance charges over 6 months ($213.93/month) versus $315.60 over 24 months ($63.15/month).
2. Ask the lender
- What’s the APR and total of payments?
- When are payments due and how are they collected?
- What happens if a payment is late or fails?
- Can I pay early with no penalty?
- Are you licensed in my state?
3. When to wait
Think again if the loan would pay recurring bills, if you’d need another loan to repay it, or if you’re behind on other debts.
4. Other options
- Payment plans from utilities, landlords and medical offices
- Credit union small-dollar loans
- Employer advances, often free
- 211 for local help with rent, utilities and food
- Nonprofit credit counseling
5. If repaying gets hard
Call your lender before the due date. Earlier means more options.
6. Help and complaints
Loan questions: your lender. Lender complaints: your state financial regulator or the Consumer Financial Protection Bureau at consumerfinance.gov. Questions about HH Advertising:
HH Advertising, Inc.
725 NE 125th St, North Miami, FL 33161
1 (786) 555-0163 · projects@hh-advert.studio