Type
Crossword
Description

Dealership we receive most indirect contracts from Deveny Motors
How many dealerships does Pinnacle Bank work with Seven
What is one of the criteria looked at for loan approval Credit History
What must a customer complete for a loan Application
A cost associated with a loan Interest
This could result in a loan request denial Bankruptcy
One line of Chevy products Corvettes
A compliance concern in consumer lending Discrimination
Some customers use these to make payments Coupon Books
This affects the total cost of your loan Rate
You must _______ your vehicle if you have a loan Insure
A loan without collateral is what Unsecured
The length of the loan is what term
One item used to verify identity Drivers License
Lenders factor in a borrower's ____________to see if they can afford a new payment Debt
If a payment is past due, it is referred to as what Delinquent
Total of new loans made in a month Volume
Which act prohibits discrimination ECOA
If you don't approve a loan, you _______it deny
What type of loan comes from a dealership Indirect

Unit D Business Math Crossword

Type
Crossword
Description

interest that a company charges to a credit card account for not paying the total due finance charge
the finance charge method that is based on the portion of the previous balance you have not paid unpaid balance
the finance charge method that is based on the daily balance average daily balance
a fee assessed if you don't pay your credit card bill on time late fee
a loan that you repay with ONE payment single payment
the total amount you must repay on a loan maturity value
the amount of money that you borrow principal
the amount of time for which the loan is granted term
interest based on 360 day year ordinary
interest based on a 365 day year exact
a loan you repay in EQUAL payments installment
a portion of the cash price of the item you are purchasing before financing the rest down payment
the portion of the cash price that you owe are making the down payment amount financed
an index showing the cost of borrowing money on a yearly basis annual percentage rate

Credit Crossword

Type
Crossword
Description

Credit as a one-time loan that you will pay back over a specified period of time in payments of equal amounts. Closedend Credit
A time in which no finance charges will be added to your account. Grace Period
maximum amount of money a creditor will allow a credit user to borrow. Line of Credit
The income you recieve Net income
Credit as a loan with a certain limit on the amount of money you can borrow for a variety of goods and services. Openend credit
The interest computed only on the principal, the amount you borrow. Simple Interest
A portion of the total cost of an item that must be paid at the time of purchase. Down Payment
The cost of credit on a yearly basis, expressed as a percentage. Annual Percentage Rate
The total dollar amount you pay to use credit. Finance charge
Agreeing to be responsible for loan payments if the other person fails to make them. Consigning
A measure of a person's ability and willingness to make credit payments on time Credit rating
A legal process in which some or all of the assets of a debtor are distributed among the creditors because the debtor is unable to pay his or her debts. Bankruptcy

CREDIT CROSSWORD

Type
Crossword
Description

This is the three-digit number that summarizes how well a person has handled credit and debt. credit score
This is the amount available to be charged to a credit card. available credit
This is the maximum amount that can be charged to a credit card. credit limit
The total cost of borrowing, including interest and fees. finance charge
A compilation of the credit history of an individual, from which a credit score is generated. credit report
The annual interest rate you will be charged if you carry balances on a credit card. annual percentage rate
When your payment must be made in order to avoid a late payment fee. due date
Exceeding the amount that is allowed to be charged on a credit card. overlimit
You might be charged this if your payment is not made on time. late fee
The lowest amount required to be paid to satisfy your current bill. minimum payment
Someone who signs an agreement to pay your loan if you default. cosigner
A credit reporting agency. credit bureau
This is charged yearly for use of a particular credit card. annual fee

Mortgage Word Search

Type
Word Search
Description

income and debt
right to cancel
TRID
underwriting approval
mortgage insurance
automated underwriting
adjustable rate mortgage
appraised value
Cert of Delivery of Value
ECOA
loan estimate
closing disclosure
escrow
principal reduction
interest rate
lock agreement
qualified mortgage
flood insurance
hazard insurance
wire instructions
bailee letter
flood determination
appraisal
down payment
security instrument
title
payoff
Loan
High Cost testing
USDA
FHA
VA
Dodd Frank

Financial Aid Cross Word Puzzle

Type
Crossword
Description

If a student fails to repay a student loan on time, the student is in ____________. Default
The acronym for the amount of money a student and his/her family are expected to pay toward college expenses as determined by the FAFSA, also known as the Expected Family Contribution. EFC
One of the standardized tests that students generally take junior year of high school that is used by colleges to evaluate an applicant’s academic skills and abilities. ACT
The type of loan where the U.S. Department of Education does NOT pay the interest while you are in college. Unsubsidized
The type of loan where the U.S. Department of Education pays the interest while you are in college. Subsidized
The name of Federal low-interest loans for eligible students to help cover the cost of college or career school (HINT: it starts with the letter "s"). Stafford
Federal loans that parents of undergraduate students can sometimes use to help pay for their child's college or career school. PLUS
Your primary area of study chosen for college. Major
The name of the campus office that makes the decision about your acceptance to their school. Admissions
An area of interest studied at the same time as a major; however, fewer courses are required. Minor
Federal grant program providing need-based grants to low-income students. PELL
Type of college degree given if you complete four years of full-time study. Bachelor
Type of college degree earned if you complete two years of full-time study. Associate
The acronym for the application that you will fill out your senior year to apply for financial aid. FAFSA
The person at a college who helps students decide what classes to take, what major to pursue, and that makes sure student have fulfilled all graduation requirements. Advisor
The acronym for the report that a student receives after their FAFSA is processed. It is the report that is sent to your college, also known as a Student Aid Report. SAR
The legal document a student loan borrower must sign when he/she receives a loan. This document lists the terms for repayment of the loan, including interest. Promissory Note
This type of college or university is NOT run by the state and is generally smaller and more expensive. Private
The office at a college that is in charge of your financial aid, bills, and payments (HINT: It starts with the letter “b”). Bursar
The total cost to attend college before financial aid, including tuition and fees, room and board, books and supplies, and other living expenses (Hint: Acronym is “COA”). Cost of Attendance
A program that allows students to take a part-time campus job as part of their financial aid package. Work Study
Colleges/universities that are ran and regulated by the state or federal government. Public
The general term for money you borrow from the government, a bank or another source that need to be paid back, usually over an agreed period of time. Loan
Generally, a student that is taking more than 12 credit hours of classes is considered to be a _______ student versus part time student. Fulltime
The period of time following graduation when a student is NOT expected to start paying his/her loans back yet is known as a “______ period.” Grace
What we wish grew on trees!! Money
A kind of "gift aid" — financial aid that doesn’t have to be paid back and that is usually awarded based on financial need. Grant
The name of the official document that your high school guidance counselor will send to your colleges that lists the classes that you have taken and your grades. Transcript

Supply and Demand Crossword

Type
Crossword
Description

The amount of goods available. Supply
When producers offer more of a good as its price increases. law of supply
The amount that a supplier is willing and able to supply at a specific price. Quantity supplied
A cost that rices or falls depending on the quantity produced. Variable cost
A cost that does not change. fixed cost
A tax on the production or sale of a good. Excise tax
The sum of fixed costs plus variable costs. Total cost
The cost of producing one more unit of a good. marginal cost
The total cost divided by the quantity produced. Average cost
The cost of operating a facility such as a factory or a store. Operation cost
The desire to own something and the ability to pay for it. Demand
To buy more of a good when its price is lower. law of demand
when consumers react to an increase in a goods price by consuming less. Substitution effect
The change in consumption that results when a price increases causes real income to decline. income effect
A table that lists the quantity of a good a person will buy at various prices in a market. Demand schedule
A table that lists the quantity of a good all consumers in a market will buy at various prices. market demand
a graphic representation of a demand schedule. demand curve
A good that consumers demand more when their incomes increases. normal good
A good that consumers demand less of what their incomes increase. Inferior good
The statistical characteristics of population and population segments. demographics
A measure of how consumers respond to price change. Elasticity of demand
The total amount of money a company receives by selling goods or services. total revenue

MARKETING AND RETAIL VOCABULARY WORDS Crossword

Type
Crossword
Description

What it costs your store to purchase from a supplier. cost
Setting prices based on cost. Usually prices are set as a multiple of cost, such as 1.2 times the cost. Costorientedpricing
Setting prices based on what customer is willing to pay for. DemandorientedPricing
Setting prices based on competitor's prices. Setting prices lower than a competitor will generally draw more customers to your store. CompetitionorientedPricing
Method used to deliver advertising messages to the public, such as TV or radio. media
A series of questions asked to a selected group of people. survey
Person who collects money from customers in a retail establishment. Cashier
Person who replenishes shelves in a store. stocker
The exterior of a store generally facing the street including signage and windows. storefront
A period of prolonged recession. Depression
A period of rising prices Inflation
The difference between what consumers want and need and what the available resources are. Scarcity
A program that allows workers to choose their work hours. flextime
The process of selling over the telephone. Telemarketing
Tangible items of monetary value that satisfy needs and wants. goods
The revenue of your store minus all expenses over some period of time. Profit
The total amount of goods a business has. These may be in a backroom or out on the sales floor. Sometimes referred to as stock. Inventory
The number of people who will see or hear an advertisement. reach
The percentage of the loan amount that you must pay in interest each year (example 9% per year). Interest Rate
The Steps taken to collect marketing information required to make intelligent business decisions. Market Research
Payments to employees based on hours or days worked. wages
A group of similar people with the same type of product needs or wants who may potentially buy a certain good or service. Market
Opinion of customers about a particular aspect of a business, such as a customer service. CustomerSatisfaction
A list of information about a target market, such as age, income level, ethnicity, occupation, attitudes, lifestyle, and geographic residence. Customer Profile
The four basic marketing strategies, called the four Ps: product, place, price, and promotion. Marketing Mix
The projection of probable future sales in units or dollars. Sales Forecasts
Statistics that describe a population in terms of personal characteristics such as age, gender, income, marital status, ethnicity, education, and occupation. Demographics
Commercial exchange between nations that is conducted on free market principles, without tariffs, import quotas, or other restrictive regulations. free trade
The process of letting another company use a trademark, patent, special formula, company name, or some other intellectual property for a fee or royalty. Licensing
The process of selling the same product and using the same promotion methods in all countries. Globalization
A brand name, brand mark, trade name, trade character, or a combination of these elements that is given legal protection by the federal government. Trademark
The struggle between companies to attract new customers, keep existing ones, and take away customers from other companies. Competition
The sale price of a product; the assumption is that consumers will buy the product with the lowest price. Price competition

Credit and Loans Crossword

Type
Crossword
Description

a portion of the purchase price that one must pay at the beginning of a loan down payment
a fee for the right to use someone else's money interest
money that a lender makes available to a borrower with the understanding that the borrower will repay the money in the future credit
someone who agrees to sign loan documents and repay the loan if the primary person doesn't pay cosigner
to stop making payments default
a legal contract you must sign when you agree to the terms of a loan loan contract
the date on which a loan will be completely repaid maturity date
a loan in which an asset is pledged as collateral in order to obtain the loan secured loan
pledged assets collateral
a loan that does not require assets to be pledged against the loan, called a signature loan unsecured loan
credit that is used for a specific purchase allowing borrower to make monthly payments to pay it off installment credit
credit that allows consumers to borrow up to a pre-set maximum amount (ex:credit card) revolving open-end credit
a pre-set maximum amount to which you can borrow on a credit card credit limit

Budgets Crossword

Type
Crossword
Description

a yearly fee for having an open account. The lower the fee, the better: no fee is the best annual fee
in addition to any ATM fees, this is a fee for withdrawing cash on your own credit account cash advanced fee
Your credit limit is the maximum amount you can borrow at any one time. Exceed this and a fee will be applied to your own account each time you go over your limit Over the limit
the amount of time before interest starts accumulating on charged purchases. Be sure the lender receives your payment before the grace period ends. Grace period
if possible, avoid setup fees or maintenance fees if you don's use the card. Check the terms of your agreement other fees
longer loans typically have lower payments but accumulate more interest, while shorter loans do the reverse. loan term
a charge to process your loan. lower is better; none is best of all. origination fee
always check before making a loan commitment to know about any extra charges if you make early payments prepayment penatly
money you can pay upfront toward the purchase to reduce the loan amount. Some car and mortgage loans will require a down payment for approval. down payment
some lenders offer interest rate discounts as incentives. For example, you might have a lower rate if you make automatic bank transfer payments. discount points

Personal Finance Vocabulary Crossword

Type
Crossword
Description

a savings plan designed to help set aside funds for future college costs. 529 Plan
the yearly interest rate charged on outstanding outstanding credit card balances. Annual Percentage Rate
the recording of financial transactions and exchanges. Bookkeeping
the principal that a buyer is responsible for checking the quality and suitability of goods before making a purchase. Caveat Emptor
interest calculated on both the principal and the accrued interest. Compound Interest
comparing the cost of two or more goods or services to find the best value. Cost Comparison
a record of an individual's past borrowing and payments. Credit History
an analysis made by a lender about a consumer's riskiness as a borrower. Creditworthiness
taking out one loan to cover a variety of debts, often with the goal of paying a lower interest rate overall. Debt Consolidation
a law that protect consumers from being discriminated against due to race, sex, marital status, religion or age when obtaining credit. Equal Credit
helps protect consumers by steeling established procedures for resolving credit billing. Fair Credit Billing Act
a federal agency established in 1914 that administers consumer protection legislation. Federal Trade
a relationship that requires financial dependence, contribution and communication Financial partnership
a legal process in which a mortgaged property is taken because the borrower has failed to keep up payments. Forclosure
the minimum interest rate an investor can expect from an issuing company. GuaranteedInterest
Insurance to help protect a mortgage lender in the event a borrower cannot make payments PMI
illegal schemes pyramid schemes
a period of economic decline Recession
benefits and bonuses offered to customers to entice them to open a card Rewards
insurance or investments offered by the government. SIPC