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WY, OK | The $25K figure was the threshold for them taking collateral out on everything you own and apply any other rules they have.
I never did hear if they were charging that interest in the first 12 months or if it started at day 366, if it is delayed then one might as well take the loan, put the money in a 2% savings account with added sign up bonuses and pay it back in month 11.
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