Some lenders will offer small loans to those without bank accounts.

The lenders offered loans to people who probably couldn't afford to pay the money back.

Most lenders offer lower interest rates to applicants who have scores above average.

Mortgages are available through local institutions, but generally foreign lenders will offer better terms.

Lenders typically offer a menu of interest rates and points.

Even some lenders who use the rule are offering alternatives.

Most lenders offer mortgages that allow buyers to trade off points for higher interest rates.

Some lenders offer the borrower the ability to lock in the rate for a certain period.

Many lenders offer this feature, but few borrowers take advantage of it.

With each incentive the lender may be offering a rate at less than the market cost of the borrowing.