Hi, as a hirer I belong to Cubair Redhill and Cabair Biggin who both offer 5-8% discount for money lodged up front. I'm happy to put up £1000-£2000 with these two schools for cheaper flying when bank interest rates are woeful.
Why would anyone pay you 5-8% to borrow your money when they could get it from the bank cheaper?
Answer: they wouldn't, they'd borrow from the bank.
Blindingly obvious deduction: the bank won't lend them the money at all, or thinks they're such a bad risk that they have to charge them an even higher interest rate than that.
So, you're better at judging risk than the bank, are you? Or maybe you just paid by credit card
