CREDIT cross word

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Across
  1. 3. a type of loan backed by collateral
  2. 4. a person who takes out a loan
  3. 6. a way to borrow money with the promise to pay it back later
  4. 8. the original amount of money borrowed
  5. 11. record of your credit history
  6. 13. a spooky spirit seen on Halloween
  7. 15. total cost of credit including interest and fees
  8. 18. the maximum amount you can borrow on a credit card
  9. 19. a fincial institution that lends and borrows money
  10. 20. something pledged as security for a loan
  11. 22. annual percentage rate; the yearly cost of credit
  12. 23. fee an extra charge for missing a payment deadline
Down
  1. 1. a loan not backed by collateral
  2. 2. money owed to others
  3. 4. flying mammals often seen around haunted houses
  4. 5. a magical woman often riding a broomstick
  5. 7. plastic card used to buy goods on credit
  6. 9. orange fruit carved into a jack-o'-lantern
  7. 10. a person or company that lends money
  8. 12. owed to others
  9. 14. describes a house full of ghosts
  10. 16. the cost of borrowing money
  11. 17. sweat treads collected on Halloween night
  12. 20. a number that represents your credit worthiness
  13. 21. money borrowed that must be paid back with intrest