JAK is actually misleading in their marketing, in reality you pay a "loan fee" which corresponds to 3-4.5%/year, which goes to salaries etc. The only real advan

JAK is actually misleading in their marketing, in reality you pay a "loan fee" which corresponds to 3-4.5%/year, which goes to salaries etc. The only real advantage to a "normal" bank is that this rate isn't (directly) market controlled.