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But in this will we consent unto If ye will be as we be, that every male of you be circumcised;
The majority of online stores failed because they don't have traffic. To gain traffic, that will be a long story. The easy traffic is the search engine traffic. You need to write your pages well and have the page ranked well in search engine results.
The advantage of an online store of your own is freedom. Your store will look whatever you want it to be. You can list as many products as you like. The disadvantage is you have to spend time to design your site and get traffic. That means you have to be good at marketing.
We all know APR is the most important factor in a loan. But that are also some other factors are important. Do you know that some loan are compounded daily instead of monthly? That will make a big difference under the same APR.