The term 'IT HAS POINTS OF INTEREST' can be solved by the four letter word 'LOAN'. A LOAN is a type of debt that is typically taken out by an individual or business from a financial institution such as a bank. It is usually repaid with interest over a period of time. Loans are often used to purchase large items such as cars, homes, and education. They can also be used to finance smaller purchases such as vacations or medical expenses.