🚗 The basics

• Principal — The original sum of money borrowed in a loan.
• Collateral — Any asset you use to secure a loan, such as a home, car, or bank account.
• Loan term — The period over which a loan agreement is in effect. Think: 24, 36, 48, 60, 72, or 84 months.
• Maturity — The date your final loan payment is due.
• Co-signer — A person who is added to the loan and agrees to pay back the loan if you’re unable to. Psst... A co-signer with good credit history may increase your likelihood for better loan terms.

💸 Costs and rates

• Down payment — An initial payment of the total amount due to secure a loan. It’s typically recommended to pay at least 20% of a new car’s purchase price or at least 10% for used cars.
• Annual Percentage Rate (APR) — The interest rate plus any additional fees charged by the lender, including origination charges and other fees charged when the loan is made.
• Guaranteed Asset Protection (GAP) — An optional insurance product used to cover the difference between the amount you owe on your auto loan and the amount the insurance company pays if your car is stolen or totaled.

🛞 Conditions

• Loan-to-value ratio — Your loan amount divided by the vehicle’s actual cash value. Lenders use this formula when deciding whether to lend you money for a car or vehicle.
• Refinancing — Getting a new loan to pay off and replace your current one, usually for a more favorable rate or terms.

• Briton Court Sale | Thursday, Aug. 15-Saturday, Aug. 17 | Times vary | Vann & Liv | $0-$50 | Shop the warehouse and sample items for this local brand.
• True Crime Watch Party | Thursday, Aug. 15 | 6:30-8 p.m. | The People’s Tap | Free entry | Pay close attention to the true crime documentary and guess whodunnit with fellow attendees.
• SPENGA Rep/Revive | Thursday, Aug. 15 | Camperdown Plaza | Free | BYO mat and water for this free, 45-minute workout session featuring bodyweight strength and yoga.

• 2024 Indie Craft Parade | Friday, Aug. 16-Saturday, Aug. 17 | Times vary | Judson Mill | $0-$25 | Shop the 15th Annual Indie Craft Parade with 100+ vendors.

• Hockey Fest | Saturday, Aug. 17 | 8 a.m.-1 p.m. | The Pavilion | Free | Learn about youth hockey programs, swap hockey equipment, and enjoy a family-friendly day with activities, vendors, and raffles.

• Sip & Spray | Sunday, Aug. 18 | 4-5:30 p.m. | Carolina Bauernhaus West Greenville | $40 | Unleash your inner artist at this 90-minute street art workshop.
• “Avatar: The Last Airbender” in Concert | Sunday, Aug. 18 | 7 p.m. | Peace Center | $45-$75 | A live orchestra brings the music and scenes from this animated show to life.

• CAMP TCMU: No Kids, S’more Fun! Adult Night at TCMU | Thursday, Aug. 22 | 7-10 p.m. | The Children’s Museum of the Upstate | $75-$135 | Relive summer camp fun at CAMP TCMU (adults only). Groove to a live DJ, enjoy beer + jam tastings, play camp games, share ghost stories, strike a pose in the photo booth, win raffles, and more.*

• We’re fallin’ for this Fall for Greenville Lineup featuring artists hitting the stage + restaurant vendors hitting the streets at the annual festival. It takes over Main Street Friday, Oct. 11-Sunday, Oct. 13.

• Speaking of Fall for Greenville, it’s a nominee for USA Today’s 10 Best “Best Fall Festival.” You can vote once per day from now until Monday, Sept. 9 at 12 p.m.

• We’ve got some ducking good news. Duck Donuts is now open on Augusta Road. Stop by the NC-based doughnut shop’s second Greenville location and build-your-own dozen.

• The first day of Restaurant Week. Explore the menus of 50+ participating Upstate restaurants offering featured menu items and special pricing.

• Former NBA player + Furman University All-American Frank Selvy died at age 91. As a Paladin, he led the NCAA in scoring twice from 1952 to 1954. In his senior season, he averaged 41.7 points per game including 100-point game when Furman beat Newberry 145-95, which was a NCAA Division I record. (Greenville Journal)

• Time to dive in. The Greenville County Aquatic Complex reopened after its annual maintenance. If you’re looking for a place to swim, learn about the membership options.

• Calling all Clemson and Carolina fans. Group Therapy wants to put your fandom to the test with Clemson vs. South Carolina Trivia Night on Tuesday, Aug. 20 starting at 7 p.m. May the best team win.

• When you think about Greenville, what local businesses come to mind? We’re positive you just started a mental list and we’d love to compare notes. Share your favorites with us by Friday, August 16. Ready, set, nominate.

• So, you’re retired. Now what? Kickstart your new adventure. Here’s a way to stay sharp, active, and impactful in Greenville.*

• Summer heat making your trash can stink? Scrub it down with eco-friendly soap + water, then rinse with a hose. For a lasting fresh scent, soak a cotton ball in essential oil and drop it inside. Psst… call Two Maids of Greenville at 864-626-3343 if you’d rather not deal with it.*

Meet the local businesses that landed on the list