Need some help with all those Christmas lists? Avoid high interest charges on your credit card and borrow what you need for a fixed rate of 4.15** percent APR for 12 months. Pay $23.18 in interest on a $1,000 loan, with a monthly payment of $87.35. Put the balance on a pre-paid Visa card and avoid writing checks or carrying cash. Limited Time Only. **Rates may be higher depending on individual credit history. Rates are subject to change.