Yes they now have to let you know and you have to agree to the 490%arp they have it says so read it those that say they didn't know well it's in black and white you didn't read however my complaint is far greater I dove into this because even though I had even been with my credit union since well 2010 I think so 13 years now they wouldn't even give me a credit building loan haha ha freaking wow yea that's just sad ok but spot loan swore they reported well bs cause I paid off a loan about 6 months ago and just paid off another they haven't reported anything at all so I paid those high rates for nothinggggggggg yea I am mad lies lies and more dang lies and no I will not upload my credit reports on a photo but that's understandable