This of course depends a lot on what you can offer as collateral and what the loan is for, but I'd be interested to see what kind of % you've managed to get and for what loans. I don't have any loans at the moment but I've been looking at an investment loan (under $10 000) and the best interest rate I've been able to find is 1.6% I think it's a great deal but still I'm a bit too cautious to take out this loan right now.