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Open-End Credit
A revolving line of credit that borrowers may use repeatedly.

Original Balance
The principal amount of a loan excluding interest and other charges.

Pawnshop Loan
A small, short-term extension of money by a pawnbroker for a variety of merchandise, such as tools, electronics and jewelry.

Payday Loan
An advancement of money in exchange for a personal check the lender holds until payday, when the borrower can redeem the check, allow the lender to deposit it or write another post-dated check to cover the original amount plus a new fee.

Personal Line of Credit
A revolving line of credit used for consumer services, as opposed to business expenses.

Personal Loan
A small, closed-end loan issued to consumers that is not secured by collateral.

Policyholder
A person who pays a premium in exchange for coverage by an insurance policy.

Pre-Approval
The process used by creditors and lenders to qualify borrowers for an extension of credit or a loan without a credit check or any other screening method.

Predatory Lending
When lenders mislead borrowers to obtain expensive and abusive loans that carry high interest rates and excessive fees.

Prime Rate
The standard interest rate on loans set by banks in relation to the Fed Funds rate, the rate at which banks lend money to each other.