$1000 for 15 months in a row = $15,000 That’s a 50% gain! You’d have to be desperate to turn that kind of interest down. Like, really in need of money right now. Actually, if I really needed $10,000 that bad, I’d probably borrow it from somewhere else at a lower interest rate and use my incoming $1000 payment to pay it off. Even at a crazy 20% interest rate ($12,000 total loan cost), I’d come out ahead by $3000 at the end of 15 months, but I’d get to have my $10,000 right now.