Have any other link ? or a name ? <| sep |> I live in Tokyo , and Asian culture , requires lots of drinking . I wasn ' t this bad in America . <| sep |> Its an OBEY one from zumiez <| sep |> No , I didn ' t . Aww , hitler . <| sep |> You could do this and then get the benefit of a lower interest rate over the next 2 years but then after this time you ' ve added 999 onto the loan and will pay interest on that for x amount of years left . Yes monthly payments may be shorter for 2 years but you may find yourself with a higher loan balance after 2 years when you come to review again . OP Nationwide will have looked at the difference between the no fee option and the fee paid up front option , then multiplied that figure by 24 to see what the full saving will be over the 24 months then taken away the 999 fee to see whether it ' s cost effective or not .