I've read about how quantitative easing has resulted in a lot of companies with money that they can't find a place to get a good return on. The result is stock buybacks and high startup valuations. So I would think that getting a personal loan to pay off credit card debt at an interest rate of somewhere between 5-8% APR wouldn't be that hard, if there really is all this money sitting around looking for a decent return. However, the best online loans I'm finding are about 11-12% APR. I'm employed full-time and have good credit, with the exception of one credit card that is near the limit.<p>Are there any startups offering loans at the rate I'm looking for? If not, why?