<prompt> Human: Some background:Im looking to get a loan for an odd amount just under 2,000. However, a lot of the financial institutions Ive shopped around at are sticking to a 2,000 minimum.Is it better for me to get the 2,000 loan and immediately pay back the difference, or for me to find the exact amount that I need?Assistant: Depends on interest rates and if there are any pre-payment penalties.Human: Pre-payment penalties? Id think a bank would want their money back ASAP but okay.  <response>: The banks arent loaning you the money as a favor, they make money off of the interest. 