my normal bank is quoteing a 4.5 - 4.8 APR, depending on points, but bankrate.com found one advertising 3.75 APR. Is that a scam? Probably. Or a bait-and-switch. Or a mis-quote.I've gotten several loans from aimloan.com and amerisave.com. They are the first places I'd check, unless you have special financial circumstances.See also http://www.mtgprofessor.com/
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