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Revolving credit Incidental credit Question 11. One of the following financing methods typically provides individuals with a float period. Which one of these methods has this as an option? Installment loan A loan from a relative Lump sum loan Home equity line of credit Credit card Question 12. While collateralized loans may provide lower interest rates, these loans have a disadvantage because the loan must be repaid in a short period of time. you ruin your credit rating. the loan is difficult to obtain. commercial banks do not make such loans. the assets used as collateral are tied up until the loan has been repaid. Question 13. One source of the most expensive loans is through parents. finance companies. banks.