I've been with CBQ for some years now, i took out a loan before and paid it all off. good customer service, good company. they have on-line banking which i use when im out of the country and the sms service is great. they gave me a debit card and a creditcard the moment i applied with no questions. now my account (salary comes in) even earns interest. they say there are hidden charges but these are only insurance charges which are minimal... i suggest you shop around (ask) each bank how much their interest rate are specially with the amount of money you will take out.