Chances are you have a car that you're paying 8.25% APR or more on. UnsecuredLoanServices says No matter what kind of account you have. A car loan, credit card, sears card, Macy's clothing stores credit card, tires depot, etc...you see where I'm going with this. About 5 years ago the prime rate of interest was 8.25%. If you opened let's say a car loan account. You went to Carmax or Rick Case Honda and bought a used 2006 Honda accord. You financed 15,000 over 60 months at somewhere between 8.25% (prime) and 19.99%. Well todays prime rate of interest is 6.0%. If you were to take all your account and get say an unsecured personal loan or personal line of credit. You could consolidate and say yourself a lot of money long term. Unsecured loans or lines of credit can be obtained under you presonal credit or if you own a business for two years or more.