Is 13% APR bad I am asking on behalf of my imaginary Russian pen pal who does not speak English

>>17470595 (OP)

13% is okay i think

>>17470595 (OP)

actually it's pretty good yeah it's great

>>17470595 (OP)

die ryan

what the heck is your problem

>>17470595 (OP)

live ryan

>>17470595 (OP)

it's awful. Current US rate is half that for mortgages and car loans unless your credit is subprime. Most car dealers offer less than 1% on some new models with restrictions.

Yes I concur it sounds ok considering that there is no credit history under my name which is not Ryan

I am going to cry

Do you like the animal called nerpa

i have never seen nor heard about an animal called nerpa

That is unfortunate for me then but I suppose it is inevitable for all in the Western World to conform and contribute to the global debt society at some point

You must have heard of it through the book or the news paper. It is written as нepпa in the super villain language

yes i already used the thing called google search engine and i figured out that nerpa is a seal, i have not seen any seals in real life unfortunately

fact: the great flood brought seals into the baikal lake

would you like to look at seals with me sorry

i don't think that's physically achievable

it is easily achievable you just open your eyes a face in the general direction of a seal

What is your credit rating like or do they not care about it in the country of rushing people

Have you ever eaten a nerpa

i cannot travel anywhere i'm like hiding from the government because i don't want to pay taxes and i don't want to renew my passport

i think it's pretty low because i never took any credits and i don't have any debts

Me too do you want to high five

i don't think that's also physically achievable you live like 10000 miles away from me

Do you know what the lyric "нe тy кpaйнy нaзвaли Гoндypac" is supposed to mean I think it is supposed to be нe тy cтpaнy нaзвaли Гoндypacoм in the natural gas exporter language

He тy кpaїнy ... нaзвaли Гoндypac is the lyric

honduras sounds like a slur in russian i think this lyrics refers to that

Oh ok sorry

that's fine ryan

sex with chinese australian girls

>>17470595 (OP)

ryan
