hi this is Helen Hopkins senior underwriter I'm calling to give you a good news this is Helen Hopkins here I was looking at your request through 1 of our lending partners and it looks like I can put together a better personal loan for you your profile actually fits within a range where we can structure this better today both in terms of rate and overall repayment rates are going up slightly but we can still lock the last week lower 5.75 option for you this should be a straightforward process and in many cases like yours we can have funds available within just a few days once everything is finalized