<prompt> Human: I need to take out a loan of around 500 to fix my car asap. Im pretty sure even if I use 750 I can pay it off super fast. So will the APR only affect my if I take a year? I cant even imagine it taking more than 6 months. Can someone explain this to me a little? Thanks guys! Edit: The loan Credit Karma recommends to me is available for 1-4k at a 99-199 APR. Forgot to clarify that.Edit: my score is around 560. Other than checking credit karmas recommendations I do not know what my options are.  <response>: I would highly, highly recommend against a payday loan or anything like that. Is there any other way to get the money together? 