Column A 1. credit a. 2. APR b. 3. contract 4. finance charge c. 5. installment Column B capacity, collateral, character a portion of the cost of goods that the buyer pays at the time of purchase an agreement by which a consumer is allowed to pay off the purchase in a series of weekly or plan monthly payments. 6. down payment d. 7. unpaid balance 8. "three C's" of e. credit 9. collateral f. the amount that is owed after a payment is made on a loan a uniform way of telling the consumer what the yearly interest rate on a loan is the advance of money with a promise to repay at a future date g. something of value, pledged to protect the interest of the lender h. a binding agreement between two or more persons i. the total dollar cost of borrowing