That makes it sound like the lender gets up to their quota of "regular" agreements then does everything else on RBP (risk-based pricing). This is *not* the case. Interest rates for personal loans (much like mortgages) are becoming more dependent on individual circumstances than they used to be. This is partly a good thing, as people who would previously have been declined altogether are now getting approved on an RBP scheme. But it is also not so good, as people who otherwise would have just been a flat-out accept have now been scaled down onto the RBP schemes and it's a little more expensive. The RBP scheme is not something that lenders can manipluate on a case-by-case basis. It's built into their decision-making systems and has underlying rules about scorecards and credit references that apply to every application, not every application past a certain point. The rules and cutoffs are in place with the knowledge in mind that 66% of the business has to be one mainstream rates. Always check advertising. If the words "Typical APR" appear, then it's a good indication that the company employs a risk-based approach to pricing their loans.