The lender may attempt to justify these rates by claiming superior service and terms. The main reason for extreme interest, however, is usually lack of business. There is probably a reason people avoid the lender in question. Steer clear of these types of companies. Low interest rates are often accompanied by high processing fees. This is just an attempt to hide outrageous extra fees.
Ask for a comprehensive list of all the fees before agreeing to the contract. Add up the interest and miscellaneous fees to get clear picture of the total charges. Low interest may actually point to a dishonest business.
Its Your Decision.
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