<prompt> Human: I got this loan for 1600 mostly to help with my credit score, be cause I had none Im paying about 19-25 interest. Is my monthly bill 150 ONLY interest payments? Am I actually going to pay off this loan in 12 months if I keep current on my payments?  <response>: This was a bad idea, pay off the full balance immediately if you are able. That interest rate is ridiculous.Use revolving credit to improve your credit score, dont take out term loans to do so. 