Blood pressure by itself is not a sufficient measurement to describe your health; similarly, the Annual Percentage Rate (APR) as a sole measurement does not accurately describe the quality of a loan. Oportun, a community development financial institution (CDFI) whose mission is to provide affordable credit-building loans to Latinos, knows that. In partnership with the Center for Financial Services Innovation (CFSI), they have set about to understand and demystify the cost of credit that consumers face.