"When your company needs cash…we are here."

Small Business Loans

Whether your business is expanding, having growing pains, or simply needs some working capital to grow, Express Funding Group is here for you. Our loans don’t require collateral. You don't need to risk your current assets. You can also rest easy knowing that our business loans won't show up on your personal credit. This is critical to the small business owner, because this can impact other financing opportunities that you may want to obtain.

We will seek out the most aggressive lenders in the industry today. We have expert consultants that will guide you through this process every step of the way. Let us do the hard work for you so you can focus on what you do best .... Running your business!

An Alternative to Small Business Loans

In the event your business doesn’t qualify for a traditional small business loan, Express Funding Group has a very popular alternative. Business Cash advances have helped thousands of business owners secure the financing they need in order to grow.

The Express Funding Group Business Cash Advance is the best solution when traditional loans fall short. Small businesses often face challenges in obtaining money at critical junctures when additional funding would open up new revenue streams or help recover lost ones. We will work together to overcome common problems and find ways to achieve mutual success by identifying and fulfilling your capital resource needs.

Your business needs capital, and traditionally, SBA loans filled that need. Whether it was for new equipment or inventory acquisition, new marketing efforts or sales drives - even for funding day-to-day operations during a slump, the Express Funding Group Business Cash Advance can provide the money your company needs to thrive. The Express Funding Group solution gets your company the cash it needs without all the hassles associated with traditional loans.

Refinance/New Loan FAQ's

• Who do I call for information about obtaining a new loan?
• Who do I call for information on refinancing my existing loan?
• Do you have Home Equity Loans?

Refinance/New Loan Information

Who do I call for information about obtaining a new loan?

To locate one of the PNC Mortgage family of mortgage lenders in your area, please visit our Mortgage Application Center. If speed and convenience are paramount and you are comfortable completing the loan process over the telephone, please call our Consumer Direct Lending Center at 1-877-508-3339 or visit a local branch (where available).

Who do I call for information on refinancing my existing loan?

Our Loan Specialists at the Consumer Direct Lending Center offer you the speed, ease and convenience of completing your transaction over the telephone. Our Refinance Hotline is a toll free call away at 1-877-508-3339. You may wish to visit our Refinance web page or visit a local branch (where available) for more information.

Do you have Home Equity Loans?

We offer you the option of a convenient "revolving" Home Equity Line of Credit or a more traditional "close-ended" Home Equity Loan. Both products are second mortgages, which allow you to gain a measure of control over your monthly debts without disturbing your first mortgage.

New Loans

With more than 100 years of experience and service to the Lutheran community, we understand the unique needs of Lutheran institutions and their financial operations. Whether you're renovating your current facility or constructing a new building, we can guide you through every step of the process.

Thrivent Financial for Lutherans' church loans present financial opportunities for a variety of projects. We can help with both your construction and permanent financing needs. We offer creative and flexible funding for:

• Refinancing existing mortgage loans.
• Construction of new buildings.
• Complete renovations.
• Improving accessibility.
• Purchasing an organ.
• Buying property for expansion.
• Paving parking lots.
• Repairing or replacing roofs.
• Replacing heating and air conditioning systems.
• Other capital improvements.

Thrivent Financial for Lutherans' church loans cannot be used to finance operational budget shortfalls.

Learn more about the guidelines and fees involved when applying for a new loan.

Construction Loans

Your congregation may need an interim short-term construction loan. Thrivent Financial Bank, a subsidiary of Thrivent Financial for Lutherans, now offers construction loans in a number of states.

If you choose to work with a local lender or another institution for your interim construction loan, Thrivent Financial for Lutherans can assist you with the transfer of documentation to ensure a smooth transition. Additionally, Thrivent Financial for Lutherans' loan commitment for permanent financing can assist you in obtaining a construction loan.

Please contact Church & Institution Financing for more information on all types of new loans.

Euro Loans Piraeus Bank Euro Loan enables you, under favorable conditions, to pay for goods and services as well as to refinance all your borrowings, in total amount up to EUR 15,000 in dinar counter value. Depending on your needs, you may opt forEuro Cash Loans – if you need cash, with maximum tenor up to 5 years. Preconditions for all types of Euro loans: Loan is approved to Bosnian citizens, as well as foreigners with working and residence permit, Foreigners should ensure guarantor or 110% of cash collateral, Age limit is 21 to 65 years of age, For clients over 60 years of age one guarantor is needed, Clients aged between 21 and 25 years must have two years of work experience in company in which they are currently employed, otherwise a guarantor is needed, Loan applicant must be employed on an open-end basis for minimum 6 months with the company or minimum one year employment on definitive term in the same company (open-end basis + employment on definitive term), Employment on definitive term minimum of two years.

Uk

The United Kingdom (UK) is currently the number one destination for American students studying overseas. Offering a common language and world-recognized colleges and universities, it is no wonder why this fact is true. Students will soon find that walking the streets of London, or traveling to nearby villages may come with a price tag, especially on the British Sterling currency. To help support your higher education, you may be eligible for a UK international student loan.

If you are a US citizen or US permanent resident attending an approved school, you may be eligible for a UK international student loan. To see if your school is eligible, your school must be listed below, or you can use the comparison tool. Remember, although we try to keep this resource updated, this school list is just a guide - only your lender can confirm that your school is eligible.

Funding limits up to the total cost of education, as determined by your school, minus any other aid received. Total cost of education includes tuition, room and board, and living expenses in the United Kingdom.

Loan Market Hots up With Launch of Lowest Personal Rate Since November 2006

 

 

 

• Average top five personal loan rates for £7,500 stands at 6 per cent
• Sainsbury's Finance and Derbyshire Building Society have both lowered their rates

Providers including Sainsbury's Finance and Derbyshire Building Society have announced changes to rates on personal loans meaning the average rate for the top five personal loans at £7,500 now stands at 6 per cent. Today, Sainsbury's Finance reduced its rate for customers taking a loan of £7,500 over less than three years to a market leading 5.8 per cent; the lowest personal rate since November 2006, according to MoneySupermarket.com. 

For anyone borrowing over a longer period than three years, the Sainsbury's Finance Personal Loan offers a rate of 5.9 per cent, matching the rate from Derbyshire Building Society. The rate on offer from Sainsbury's is only available for Nectar card holders.

Analysis by Britain's number one comparison site has found the average top 5 loan rate for borrowing £7,500 in December 2008 was 8.10 per cent costing £9,085 over the five years. In comparison, the average loan rate is now at 6.00 per cent with the loan costing £8,667- an overall saving of £418.

Tim Moss, head of loans and debt at MoneySupermarket.com, said: "The launch of the lowest personal loan rate since 2006 is great news for anyone who is looking to borrow and indicates that banks are finding an appetite for new business. With heavy competition in the savings market and margins on credit cards and mortgages tight, it appears that some banks may be refocusing their efforts on the loans market. The move by Derbyshire Building Society and Sainsbury's Finance may lead to other lenders following their lead, which will help bring down the cost of borrowing for consumers."

"Whilst, the decision to borrow should never be taken lightly; consumers needing an injection of credit should keep an eye on rates, particularly at the moment.  As well as the amount you are looking to borrow, the other key thing that affects the cost of a loan is your credit score. These low rates are only available to those with excellent credit histories. Those without excellent credit histories continue to be charged significantly higher rates of interest."

Notes to editors:

    Loans - GBP7,500 over 5 Years
             Provider                   Typical APR
    Derbyshire BS                          5.9%
    Sainsbury's Bank                       5.9%
    Tesco Loan                             6.0%
    Clydesdale Bank                        6.0%
    Marks & Spencer                        6.0%

    Sourced by http://www.moneysupermarket.com 02.07.2012

    Loans - GBP7,500 over 3 Years
             Provider                   Typical APR
    Sainsbury's Bank                       5.8%
    Derbyshire BS                          5.9%
    Tesco Loan                             6.0%
    Clydesdale Bank                        6.0%
    Marks & Spencer                        6.0%

Which Student Loan Is Best? Which One Is Right for Me? Q: Which student loan is the best choice for me? Are some student loans better than others? A: The answer is yes! You need to be very careful about selecting the right student loan. If you need a student loan to help pay for college, you need to start by completing the FAFSA form at www.fafsa.ed.gov Most students will need help from a parent to complete the FAFSA, but this is the only way to get access to low-cost federal student aid. 1. There are three types of federal student aid: Grants: This is financial aid that does not have to be repaid (unless, for example, you withdraw from school and owe a refund). Work-Study: This program allows you to earn money for your education. This aid does not have to be repaid. Federal Loans: These loans allow you to borrow money for your education. You must repay all loans, with interest. Federal loans come with fixed interest rates and are usually the cheapest form of student loans. 2. Beyond federal aid, there are also private student loans: Private Student Loans: These loans are usually offered by banks to help you pay your education costs. Unlike federal student loans, private loans come with variable interest rates that can change monthly or quarterly. To qualify, most students need to apply with a creditworthy cosigner (such as a parent). To save money, students should make use of all of their federal student aid options before considering a private student loan. 3. So here are all the student loan options to consider: Federal Perkins Loans (Best Choice Option)- 5 percent fixed rate - Receive up to $5,500 a year - No payments until after school Perkins Loans are made through participating schools to undergraduate, graduate and professional degree students. They are offered to students who demonstrate financial need and are enrolled full-time or part-time. These loans must be repaid to your school. Federal Stafford Loans (Best Choice Option)- 6.8 percent fixed rate or lower - Receive up to $9,500 your first year - No payments until after school Stafford Loans are for undergraduate, graduate and professional degree students. You must be enrolled as at least a half-time student to be eligible for a Stafford Loan. There are two types of Stafford Loans: subsidized and unsubsidized. You must have financial need to receive a subsidized Stafford Loan. The U.S. Department of Education will pay (subsidize) the interest that accrues on subsidized Stafford Loans during certain periods. Financial need is not a requirement to obtain an unsubsidized Stafford Loan. You are responsible for paying the interest that accrues on unsubsidized Stafford Loans. Federal PLUS Loans for Parents (Good Choice Option)- A federal loan that parents can use for a child - 7.9 or 8.5 percent fixed rate - Receive up to total cost of education The PLUS Loan can be a good option if a parent is willing to help you pay for school. PLUS Loans are loans parents can obtain to help pay the cost of education for their dependent undergraduate children. Some parents prefer the PLUS Loan to home equity loans because they do not have to put their home at risk. It is also a better option for parents who may be considering taking money out of a retirement account for education purposes. In addition, graduate and professional degree students may obtain Graduate PLUS Loans to help pay for their own education. Private Student Loans (Last Choice Option) - Must have good credit or cosigner to qualify - Comes with a variable interest rate - Can usually cover all education costs - Payments can be delayed until after school - Choose a private loan where the school certifies   the loan and receives the funds for you... - Avoid private loans where the money comes straight   to you -- these loans can be very expensive. Private student loans from banks can be a good option after you have maximized all of your federal student aid options first. Because private student loans are typically more expensive than federal student loans, it is not recommended that you use a private loan to cover all of your education costs. If you must take out a private student loan, use those funds to cover your extra or left-over expenses. Also, if possible, it is a good idea to make interest payments on your private loan while you are still in school. If you do not, you may be surprised by the amount of interest that has accrued while you were in school. If you are a graduate or professional degree student, consider the Graduate PLUS Loan before taking out a private student loan. Last word of advice: Check out your free money options before considering any student loan.

How Do I Choose the Best Student Loan to Pay for College?

Many students (and their parents) have to borrow money to pay for college. Today’s average student graduates after four years owing about $25,000 – and many students owe much more! Of the federal, state-based, and private student loans, which type is best for you? Here are some guidelines to help you evaluate your loan options:

1. Consider federal and state student loans first. Government loans have the most favorable repayment terms and interest rates. They also have the most liberal deferment and forbearance options. Wondering what those terms mean? Visit our student loan glossary.
2. Next, consider private loans. If you are unable to borrow a federal or state loan, or if you need additional loans, consider a private student loan from a trusted bank or other financial institution. Private loans usually require borrowers to pass a credit check or have a creditworthy co-signer. Explore private loan options before using high-interest credit cards or home-equity lines of credit to finance an education.
3. Credit cards are a last resort. You can pay for college expenses with a credit card, but their interest rates are usually far higher than those that the government or banks will charge you.

Even small differences in interest rates can really increase the total amount you must repay. Check out this chart which shows the different total costs for a 10-year loan:

Loan Type	If you borrow:	At this interest rate:	Estimated Monthly Payments:	The total cost of the loan is:
Federal or State Loans	$10,000	7%	$116	$13,920
Private Loans	$10,000	11%	$138	$16,530
Credit Cards	$10,000	17%	$174	$20,880

Interest rates are an important factor to consider when selecting a loan, but look at other aspects too, such as repayment terms. Download Selecting the Best Loan to help you can 

		Personal Loan Mania - FAST Online Personal Loans Nationwide Personal Loans throughout the United States for any purpose and loans are available for most all credit situations withPersonal Loans Mania. Are you in a tight crunch for both time and money? We have the perfect solution for you...if you need money right now, spend your time wisely and apply online now for your fast and free approval for personal loans. When you apply online now for personal loans, you will receive the same great service that thousands of American consumers receive on a daily basis. Even if you have had, or are now faced with some worrisome or severe credit isssues, do not be discouraged; bad credit personal loans are our specialty and programs are offered nationally to those who are considered high risk. We want you to know that even with bad credit you can be approved for personal loans without hassles. So what does that mean to you? Awesome service, quick and easy online personal loan approvals, and bad credit issues are no problem! A Personal Loan can be used for any purpose and there are no credit checks required! Unlike most financial institutions, a large collateral commitment is not required for personal loans. With services available nationwide and personal loan programs for nearly all credit situations you will enjoy how simple it is to qualify for your loan today. Getting approved for Personal Loans takes approximately three minutes on our secure server and your application is processed within seconds. To get approved today, just follow the link below to apply online now.

Undergraduate Student Loans

 

Looking for money to help out with eligible expenses such as tuition, housing, books, a laptop, and more? Wells Fargo makes it easy to borrow up to the cost of your education (minus other financial aid).¹ With a Wells Fargo private student loan, you can get money for college now and not make any payments while you're in school.²

• No payments until six months after you leave school³
• Competitive interest rates — choose between fixed and variable interest rates
• Interest rate discounts, including graduation and relationship discounts⁴
• It's quick, easy, and free to apply online
• Interest may be tax deductible⁵

Automotive Loans, Car Financing
Getting approved for a auto loan before you shop is a good idea. Cash offers on preowned vehicles might get you a better price. If you are buying from a automotive dealer you can avoid dealer financing. Automotive dealers make ALOT of money when they finance the vehicle. Not only do they make a profit from the sale of the automobile, but they also get the interest you pay on your car loan. Ultimately, all of the money they receive from the sale of your vehicle comes out of your pocket. Get a good rate elsewhere and avoid additional haggling.

 
Automotive
Need an Auto Loan?: Automotive is the leading information source on the Internet for the New & Used car shopper. FREE quotes on new cars, used cars, and auto loans, as well as access to a wealth of information and tools to assist them in making an intelligent and informed car buying decision.DriveTime
DriveTime is the nation's largest dealership with 98 locations specializing in selling used cars to people with credit problems. That's all we do, and because we're also the bank, we can get you a car regardless of your credit history. 
Shop DriveTime First! Bad credit, no credit, no problem. Apply on-line. 
My Auto Loan
MyAutoLoan: We offer New or Used car loans, Refinance loans, Private Party loans or a Lease Buyout loans. Customers complete 1 easy, fast and secure loan application and receive online up to 4 real loan offers to choose from. Apply for an Auto Loan Now
Road Loans
RoadLoans is a auto loan site. Once approved, customers are given a RoadLoansCheck to carry to the dealer, which allows them to negotiate like a cash buyer. 

 OfficialUSA Web Sites > USA Business Resoures > Banking, Savings, and Loans > Loans > Automotive Loans

Same Day Payday Loans No Credit Checks- Perfect Loans for You Only

The lenders of United States keep on trying to help the borrowers with some new advanced loans. In this course, they try to add some more features to the loans so as to increase the comfort of these borrowers. Even they may forget about their credit records while designing these loans. But still, deciding any loan as the perfect solution for one’s problems is rather a typical process. The same day payday loans no credit checks are the loans which have been categorized by the experts among the perfect loans of the state. If you are having different problems in your life just like bad credit problems, urgent cash requirements, no asset for offering that as collateral etc., then these loans are the perfect loans for you only. These loans are supportive to those borrowers who have been facing difficulties because of these issues in their life. So, you may very easily apply for these loans without any kind of hassle. The same day payday loans no credit checks are issued to the borrowers without any kind of credit checks. These loans are easily acquirable without any hurdle by them. They may take these loans without going through any kind of formality. Even these loans are free from all the paperwork and other formalities. The lenders issue these loans for the convenience of the borrowers only. These loans are issued by the lenders on the same day of the loan application. Thus, if you want to raise urgent money before your payday, then these loans are obviously the perfect loans for you. You may take these loans very easily through the internet. Even these loans are issued by the lenders without any collateral. Summary The same day payday loans no credit checks are the loans which have been categorized by the experts among the perfect loans of the state. If you are having different problems in your life just like bad credit problems, urgent cash requirements, no asset for offering that as collateral etc., then these loans are the perfect loans for you only.

Picking the Perfect Loan

Compare student loans to find the best match for you

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Think picking the perfect college was hard? Try picking the perfect loan. Like schools themselves, student loans vary tremendously in terms of size, quality, and student requirements. Here’s a brief breakdown of how to compare student loan packages:

Check the Interest Rates

Here’s where federal student loans trump private loans almost every time. Unlike private loans, loans from the government have fixed interest rates—6.8 percent for Stafford Loans, 5 percent for Perkins Loans, and 8.5 percent for PLUS loans—that are significantly lower than those from outside lenders where rates can run as high as 20 percent. All undergrad students may borrow up to $27,000 under the federal Stafford Loan program; however, students must financially qualify for additional government funds. If you need more than $23,000 to finance your education, try scoring Perkins or PLUS loans before turning to private lenders.

Check the Hidden Fees

In addition to the principal amount and interest, you’ll also have to pay origination, disbursement, default, and administrative fees. These vary from lender to lender; however, students almost always receive the best deal when they opt for federal over private loans. While Stafford Loan and PLUS fees are set at 4 percent, Perkins Loans have no fees at all. On the flip side, private loan fees can range anywhere from 0 to 15 percent, costing students thousands over a 10 to 20 year loan period. Before signing on to a loan, ask your lender to calculate the total amount you’ll have to pay back, including interest and fees.

Check the Stipulations

Scoring a loan is only part of the battle. Maintaining it is the other. In addition to paying back the principal amount plus interest and fees, some loans also requires students to remain full-time students for the duration of the loan as well as maintain a minimum GPA. While you’re investigating your academic responsibilities, ask about your postgraduate fiscal responsibilities as well. Though the Stafford and Perkins Loans won’t require you to begin payment until after you graduate, PLUS and many private loans require payments to start immediately. Before becoming an official loan recipient, compare rates, read the fine print, and ask your loan representative to outline (in print) exactly what they expect from you.

The Perfect Home Equity Loan

Are you considering buying a home? Have you shopped around and found the ideal house? So, what are you going to do about a home equity loan? Have you shopped around for a home mortgage?

Most people spend lots of time finding the ideal home, but spend very little time shopping for their home equity loan. This is a terrible mistake and can cost you dearly over the long haul.

There are many options available to people that are shopping around for a home equity loan. Before deciding on a mortgage loan and choosing one you should do your homework and study all the details of that mortgage.
The Steps You Need to Take When You Buy a Home

Before you decide on a new home, look at different mortgage lenders and get pre-approved mortgage quotes.
• First you will need to contact your local banks – check out their loan options and what their interest rates are. Look for 30 year fixed mortgage rates. It is really important to find a fixed mortgage because the last thing you want is for your interest rate to go up a few years down the road.
• Ask the seller about the finance companies he works with – they may be able to give you a better deal
• Search online – Before even shopping for a home you should look and study different mortgage options – You can also use online mortgage calculators to help you calculate your monthly payments based on different loan amounts.

Credit Scores and How They Affect Your Ability in Getting a Good Mortgage Loan
Obviously the better credit score you have the better the mortgage loan you will qualify for. So it is very important that about a year before purchasing your home you keep up to date on your credit score. Check it every so often to make sure there is no misinformation. Clear up any mistakes and fix any problems you may have with it.

Why is this important? If your credit is not very good based on non payment or repossession, your mortgage options will be very limited and probably very costly.

Other Financing Options
There are other options you can take besides the conventional loan. For example if you don’t have a down payment some lenders may be willing to finance the down payment and sometimes even the closing costs. Ask the seller, he might be willing to finance the down payment. It may be advantageous to him tax wise.

K-12 FAMILY EDUCATION LOAN

Benefits

Rates & Terms

The K-12 Family Education Loan finances all education-related expenses. You can borrow a minimum of $1,000 up to the total cost of education. Your loan can pay for tuition, room and board (if necessary), books, computers, musical instruments, sports and theater, and other extracurricular activities that enrich your child's learning experience.

Choose a term that fits your needs

• Flexible repayment terms from 1-3 years1

Prepay your loan at any time without penalty.

Enjoy total convenience:

• 24/7 online account management
• Easy online application—about 15 minutes is all you need

Here's Why You Shouldn't Wait To Pay Back Student Loans










 Reddit user 'Red-helix' wondered whether he should rush to pay off his student loans. 

"Does it always make sense to sacrifice liquidity after college to kill those loans, when the government lets you deduct the interest without itemizing?" he asked. 

We reached out to Joseph Orsolini, a certified financial planner for College Aid Planners, for his take:

"The best way to save on interest is to pay the loans off as soon as possible. Teachers may be an exception to this idea of paying loans off early because of generous loan forgiveness programs available to them."

His reasoning is simple. A tax deduction isn't the same as a tax credit, as it only reduces your  taxable income.  

For example: Say you have $50,000 of taxable income and you want to report $2,000 worth of student loan interest paid off. You'd reduce your income to $48,000.  Plug this information into Turbo Tax's online tax calculator and you'd see that without the deduction, you'd owe $6,256 and with it, you'd owe $5,756.

So, you've saved $500 but you've paid $2,000 in interest and haven't even put a dent in your base loan yet. That's a net loss of $1,500. 

Another reason not to put off paying down student loans is that the IRS starts to cap the amount of interest you can deduct after you hit a certain salary mark. Once you make $75,000 or more you can't deduct it at all.

"People should be mindful of the phase out limits," says Orsolini. "Sometimes contributing to an IRA or increasing your 401k contribution to reduce your AGI can mean the difference between getting a deduction or not. If you are paying interest, it is better to get a deduction than not."

Here's Why You Shouldn't Wait To Pay Back Student Loans

Student loan changes you don't know about

The deal Congress approved today to freeze the interest rates on "Stafford"subsidized federal student loans is getting a lot of ink today. But there are other changes coming this fall to the student loan game that could be a similar big deal.

The Student Loan Network blog today writes:

Starting July 1, there are a handful of other updates to federal loan programs that borrowers should be aware of. These changes will not affect loans that were originated before July 1, only loans originated for 2012-2013.

No more subsidized loans for grad students. Just like undergraduates, graduate students were previously able to receive both subsidized and unsubsidized loans. Starting this year, only unsubsidized loans will be available for grad. students at a 6.8% interest rate.

Elimination of interest subsidy for grace periods. Subsidized Stafford Loans were less expensive than there unsubsidized counterparts because 1) the interest rate was lower and 2) interest was subsidized while enrolled in school and durning the 6 month grace period after leaving school. Starting this year, there will be no interest subsidy during grace periods, however, the subsidy will still exist while enrolled in school at least half-time.

Decreased eligibility. Last December, President Obama signed the Consolidated Appropriations Act 2012, which brought with it a change to the Pell Grant Program for the 2012-2013 year. Starting in Fall 2012, the Pell Grant is limited to 12 full-time semesters per student. The way this is calculated is by percent, where 600% is the maximum a student is eligible for. For example, if you receive a maximum Pell Grant for both semesters, your percentage used would be 100%.

Lowered income limit for automatic zero . When families file the FAFSA (Free Application for Federal Student Aid), they receive their Expected Family Contribution (EFC) - a number detailing how much of the school costs a family should be able to provide out of pocket. In previous years, anyone with an income of $32,000 or less received an automatic zero for the EFC. This allowed lower income families to be eligible for more need-based aid. This year, the income limit has been reduced to $23,000, which will cut funding for many students.

Termination of repayment incentives. The Department of Education can no longer offer repayment incentives to Direct Loan borrowers, except an interest rate reduction for auto payment. Again, this is only for loans originated after July 1, 2012 -- Repayment incentives may still be available for older loans.

The decreased eligibility seems worrisome given the economy and the financial troubles of many low-income families. What good is a better interest rate if you can't