Firstly, its uncommon for the loan provider to give an offer without first seeking credit rating One has an 8,000 stability by having a 19.99 interest on a single charge card and a 7,000 stability with 24.99 rate of interest on another. A p2p loan provider is wilpng to provide him 16,000 for 5 years at mortgage loan of 12 along side a 5 fee in advance. The APR...