from banks right?  banks are lending $100 for every $10 of book assets, so they can offer a lower than market rate.  

No one that actually had to earn the money would risk it for 5%

True market interest rates are probably 10-13%, if currency is inflating at 8%, the risk premium is 2-5% which seems about right for a low risk loan.

Sorry I am thinking of rates here in Canada. You can borrow secured around 5% and  unsecured around 7.5%.

grayruby

Where can they borrow at 6%?  Maybe if banks start offering loans but I think Strike is juat a maker and 11% is what they have to offer...just my limited understanding though.  Not the cheapest source of fiat credit but if you are tapped on the HELOC and other cheaper options...it works great