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Yours' isn't easy money as you most prob won't struggle to make your payments, so they can't whack you with even higher interest rates and any chances of late fees......

I guess it's all relative! Personally I would have thought a locked-in almost 0 risk £4-5K interest over 3 years is easy! I'd take that!

If you follow all the SPL Mav chat, its all abt ROI....stable payers are lower risk = lower ROI