You may consider balance transfer.. more work in terms of rolling over.. but better rates. currently scb is offer 0% for 6 months @ 1% processing, this will encourage you to pay back fast and in the event you can't do so by the end of 6 months, you can take a balance transfer from another bank to roll over. $10,000 flat $100 just need to make min sum for the first 5 months and pay in full on the last month. effective int rate 2.2%. uob offering 2.76% for 6 months no processing fees. =)