All else held constant, which of the following will cause an increase in the APR? Multiple Choice All of the above. A decrease in the total dollar cost of credit. A decrease in the number of payments to pay off the loan. A decrease in the principal amount of the loan. Suppose you go to your local bank for a $20,000 loan to cover the start-up costs of a new business venture. The bank offers to lend you $20,000 over 5 years at a 12 percent fixed APR. Which of the following could you do in order to get a lower rate from the bank? Multiple Choice Increase the term of the loan. None of the above. Incrense the amount borrowed. Accept a variable interest rate