 TITLE: What Is the Difference Between a Prime Loan and a Subprime Loan? CONTENT: Should You Get a Subprime Loan?\n-------------------------------\nIf you need money quickly, a subprime loan might be your best option. But keep in mind that the bigger the subprime loan amount, the more the higher interest costs will add up. For example, interest on a subprime mortgage loan over 30 years could cost you tens of thousands of dollars more than interest on a prime loan for the same amount. Think long and hard about whether you really need a loan immediately or whether you should wait until you've improved your credit score—and your odds of qualifying for a prime loan. END