With respect to a personal loan, the finance charge a borrower pays is . A. The extra money he or she pays in interest B. Something the borrower can opt out of with good credit C. An income tax on the loan D. Usually a one time $20 application processing fee

When you get financing, it's another way of saying you get a loan. When you pay back the loan, you pay back the original amount borrowed (principal) plus interest. The term "interest" is interchangeable with "finance charge". In a sense, they are charging you money to let you borrow or finance. With good credit, the interest rate is likely to be lower, and therefore the finance charge would be lower as well. There is a very high chance that all loans use interest or else the bank wouldn't make any money.

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