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Gold subscription is a fixed monthly cost whereas microloan services are interest based.

https://support.robinhood.com/hc/en-us/articles/214681823-In...



But the “fixed” monthly cost varies depending on the size of your credit line, so there is an effective interest rate of 5% or more.

https://d2ue93q3u507c2.cloudfront.net/assets/robinhood/legal...




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