The rate is prime rate plus 1. & o1 g* u3 K6 M# U8 q( v: J. ^) Y& D } x+ k0 Q( W
You can pay back whenever you want. $ a6 f# d) J+ c& O3 v
/ M) x# C: s7 s8 x) e) ^- hAs I know, the first time if you borrow over $30,000, it is service charge free. Otherwise, they will charge you some money. Anyway, not too much.