this post was submitted on 19 Sep 2026
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it's like when a credit issuing company says they have 'comparable rates'. really? you have rates that can be compared to other rates? crazy...
Actually, I know this isn't what you're referring to but a key strategy amongst lenders is to obfuscate their rates with bullshit fees.
In Australia they have to publish a "comparison" rate that includes all ascertainable fees.
We have a similar regulation in Denmark, where lenders must write the annual cost percentage including all fees. There's also a maximum legal limit to the percentage and an even lower limit for which loans are allowed to be marketed.
Since it's a percentage, it mainly affects loans of small amounts, where the fees would be a larger percentage of the total cost. The purpose is to get rid of the predatory "consumption" loans.
I wish we could do the same to restaurant bills, where the advertised price only shows the price of the main meal to compete/compare with other restaurants, while the total including drinks might be double or more.
24.99% apr interest is certainly 'comparable' to 0.99%..
it doesn't compare well, but one can still do the comparison.
"Save up to 20% or more!"