[i_cant_speel]

I'm confused on why everyone is focusing on this so much. It matters on interest-based loans because a higher APR means you are going to pay more in X amount of time. But here you are paying a flat fee, regardless of the amount of time it takes to repay.

Why does the APR matter?

[softawre]

Because if you have the option of getting the loan through Stripe or a bank that offers a loan with a regular APR, you may want to compare which is a "better deal".

[i_cant_speel]

Ah that makes sense.