I've finally decided to chase a dream and become self-employed. I'm going to need a loan to get everything started. The problem is that the loan is fairly large- $30,000.
I'll give you a basic idea of my credit situation. I don't own a home. The only debt I have out there is a student loan, and I've never been late on any payments. I have a credit card, but I keep the balance at 0.
I'm new to the whole loan thing. It may sound sad, but my mom set up the student loan for me. I've never applied for an auto loan (that's what bikes are for) or anything. I've done some Google searching and a lot of the sites out there look shady. I don't feel like entering my SSN all over the internet. My credit card is with Capital One, and I can get a 5-year loan with them for a fixed rate of 5.99%. "This offer is for 5.99% APR. If you don't qualify for this rate we'll automatically consider you for a rate up to 10.99% APR."
If I go to bankrate.com the rates are higher than that. Anyone more familiar with loans than I am? Would 5.99% be a good rate if I could get it?