<prompt> Translate the following text to EnglishKwa sababu ya kuwa na kiwango cha chini cha riba, ni rahisi sana kupata mkopo wa kiwango cha chini cha riba, na kwa sababu ya kuwa na kiwango cha chini cha riba, unaweza kupata mkopo wa kiwango cha chini cha riba, na kwa hivyo unaweza kupata mkopo wa kiwango cha chini cha riba.  <response>: you know very rarely do you receive one that has a real low interest rate theyre always more expensive and they uh you know if you stay if you stay with a good one for the while you get a good credit rating and you get a good um a good credit line so you dont like to i dont like to bother with it yeah 